Freedom#66 of 102 · Added October 21, 2024
Car Insurance, Optional
The one state that trusts drivers to decide
Data: New Hampshire Insurance Department, 2026 ↗nhmaps.com/12
Every other state makes buying insurance the law. NH makes insurers earn the sale.
Vehicle insurance mandate (membership)
Source & data: New Hampshire Insurance Department, 2026 ↗
View the data (50 states)
| # | State | Value |
|---|---|---|
| 1 | New Hampshire | Insurance optional |
| 2 | Alabama | Insurance required by law |
| 3 | Alaska | Insurance required by law |
| 4 | Arizona | Insurance required by law |
| 5 | Arkansas | Insurance required by law |
| 6 | California | Insurance required by law |
| 7 | Colorado | Insurance required by law |
| 8 | Connecticut | Insurance required by law |
| 9 | Delaware | Insurance required by law |
| 10 | Florida | Insurance required by law |
| 11 | Georgia | Insurance required by law |
| 12 | Hawaii | Insurance required by law |
| 13 | Idaho | Insurance required by law |
| 14 | Illinois | Insurance required by law |
| 15 | Indiana | Insurance required by law |
| 16 | Iowa | Insurance required by law |
| 17 | Kansas | Insurance required by law |
| 18 | Kentucky | Insurance required by law |
| 19 | Louisiana | Insurance required by law |
| 20 | Maine | Insurance required by law |
| 21 | Maryland | Insurance required by law |
| 22 | Massachusetts | Insurance required by law |
| 23 | Michigan | Insurance required by law |
| 24 | Minnesota | Insurance required by law |
| 25 | Mississippi | Insurance required by law |
| 26 | Missouri | Insurance required by law |
| 27 | Montana | Insurance required by law |
| 28 | Nebraska | Insurance required by law |
| 29 | Nevada | Insurance required by law |
| 30 | New Jersey | Insurance required by law |
| 31 | New Mexico | Insurance required by law |
| 32 | New York | Insurance required by law |
| 33 | North Carolina | Insurance required by law |
| 34 | North Dakota | Insurance required by law |
| 35 | Ohio | Insurance required by law |
| 36 | Oklahoma | Insurance required by law |
| 37 | Oregon | Insurance required by law |
| 38 | Pennsylvania | Insurance required by law |
| 39 | Rhode Island | Insurance required by law |
| 40 | South Carolina | Insurance required by law |
| 41 | South Dakota | Insurance required by law |
| 42 | Tennessee | Insurance required by law |
| 43 | Texas | Insurance required by law |
| 44 | Utah | Insurance required by law |
| 45 | Vermont | Insurance required by law |
| 46 | Virginia | Insurance required by law |
| 47 | Washington | Insurance required by law |
| 48 | West Virginia | Insurance required by law |
| 49 | Wisconsin | Insurance required by law |
| 50 | Wyoming | Insurance required by law |