New Hampshire Golf Cart Insurance (2026)

New Hampshire is unique in that it is the only state that does not require drivers to carry auto insurance. However, this does not mean driving without insurance is consequence-free. New Hampshire operates under a "financial responsibility" system where drivers must be able to demonstrate the ability to pay for damages in an accident. The minimum financial responsibility amounts are 25/50/25.

For golf cart and LSV owners, this means insurance is not legally mandated, but it is strongly recommended. If you are involved in an accident and cannot demonstrate financial responsibility, your license and registration can be suspended. Most lenders and many communities require insurance regardless of the state law.

Despite the lack of a mandate, the vast majority of New Hampshire drivers (and golf cart owners) carry insurance voluntarily. The state's insurance market is competitive, with affordable rates due to low population density and a rural character. Lake communities like Lake Winnipesaukee and resort areas in the White Mountains region see seasonal golf cart use.

• No Insurance Mandate: New Hampshire is the only state without mandatory auto insurance, but financial responsibility is required.
• Financial Responsibility: If you cause an accident without insurance, your license and registration can be suspended until you prove ability to pay.
• Strongly Recommended: Even though not required, insurance is strongly recommended for all golf cart/LSV owners in New Hampshire.
• Lake Winnipesaukee: The state's largest lake area has seasonal golf cart use in surrounding communities.
• Amica Mutual: Based in nearby Rhode Island, Amica is a respected carrier available in New Hampshire with competitive rates.
• Seasonal Use: Golf cart use is primarily from May to October; seasonal policies are common.