Insurance — New Hampshire Permit Test

Insurance on the New Hampshire permit test — 5 rules, each with the reason behind it and a question on it while it is fresh.

The rules

New Hampshire has no mandatory insurance law, so a driver may drive within the state without insurance.

This is unusual, and it is why the consequences of an uninsured crash here fall so heavily on the driver.

New Hampshire has no mandatory law, so a driver may drive a vehicle within the State of New Hampshire without insurance.
New Hampshire Driver's Manual, p.32

A driver in an uninsured accident could be held responsible for payment of all damages to the other person’s property and all medical bills arising out of the crash.

Without insurance the bill is not shared with anybody, and a serious crash costs more than most people have.

they could be held responsible for payment of all damages to the other person’s property and the payment of all medical bills arising out of the crash.
New Hampshire Driver's Manual, p.32

If a driver is unable to pay damages and medical bills, New Hampshire law requires the Division of Motor Vehicles to suspend their driving privileges until a settlement has been reached.

The suspension is not a punishment for the crash. It lasts until the money is settled, however long that takes.

New Hampshire law requires the Division of Motor Vehicles to suspend the driver’s driving privileges until a settlement has been reached.
New Hampshire Driver's Manual, p.32

New Hampshire law may require a driver to carry insurance for several years after an uninsured accident, in the form of an SR-22 certificate filed by an insurance company.

After an uninsured crash the state stops leaving it to the driver, and the insurer has to confirm the cover directly.

New Hampshire law may also require a driver to carry insurance for several years after having an uninsured accident in the form of an SR-22 certificate being filed by an insurance company.
New Hampshire Driver's Manual, p.32

An SR-22 gives protection to the driver, to the occupants of the vehicle, and for damages to any vehicle involved in the accident.

It covers the people as well as the metal, which is the part that costs most after a serious crash.

This type of insurance gives protection to the driver, to the occupants of the vehicle, and any damages to any vehicle involved in the accident.
New Hampshire Driver's Manual, p.32

On the test

What does New Hampshire law require about automobile insurance?

There is no mandatory insurance law. This is unusual, and it is why the consequences of an uninsured crash here fall so heavily on the driver. New Hampshire Driver's Manual, p.32: “New Hampshire has no mandatory law, so a driver may drive a vehicle within the State of New Hampshire without insurance.”

How this works

Most practice tests hand you a bank of questions and leave the manual somewhere else. This one puts them together.

You read one law and the reason behind it, then answer a question on that law while it is still fresh. Get it right and you move on; get it wrong and you have found the gap while it is cheap to fix, not on the morning of the exam.

Learning one rule at a time, and proving it immediately, is what turns a manual you skimmed into something you actually know — and it makes studying feel like getting somewhere rather than like waiting to find out.

What it costs

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All New Hampshire permit topics

Where these come from

Every rule here is checked against New Hampshire Driver's Manual, published by the New Hampshire Division of Motor Vehicles, and against the state code itself. Last checked 2026-09-16.