As of June 2010 New Hampshire is the only state that does not require auto insurance unless you have proven yourself to be an "endangerment to others" such as having DUI's or too many at fault accidents, then they require insurance before they will reinstate your license.
Auto insurance laws in the United States vary by state. The majority of states require that you have a minimum amount of liability insurance. This insurance covers third party injuries and property damage when you are found at fault for an auto accident. The only states that do not have some sort of minimum insurance law is New Hampshire and Wisconsin. In addition to liability coverage some states require PIP insurance and uninsured motorist insurance as well.
Financial ResponsibilityAll 50 states require Financial Responsibility whenever your vehicle is operated on Public Roads. Buying Auto Insurance is not the only way to meet your financial obligations. Most states will allow you to post a bond or self insure as another means of metting your Financial Responsibility Requirements.
Financial ResponsibilityIt is possible in the United States. Some states allow you to post a cash bond with your State Department of Insurance in lieu of auto insurance and some states will allow you to be self insured. The laws in the USA after all do not require you purchase Auto Insurance, it does require you carry proof of Financial Responsibility whenever you are operating a motor vehicle on public roads which can usually be met in any one of several ways delineated under your states laws.Happy Motoring
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