Most car insurance companies will require teens who live with their parents to be listed on the parents' policy. If you're the parent of a teen with a learner's permit, your policy should normally cover your teen without requiring you to take any action. New Hampshire is one of the few states that doesn't require liability insurance. However, having liability insurance can help prevent certain penalties.
Because of the cost of adding a young driver to your NH car insurance policy, you might be tempted to wait a bit. You've heard that the premium can decrease with each year of driving experience, so what's the real damage if you wait a couple of years? The chances of your son or daughter having an accident are slim. New Hampshire is different from most states. Technically, you don't need insurance, but there are exceptions to that rule.
In any case, it's always a good idea to stay covered. In New Hampshire, insurance rates are calculated to include young drivers who reside in the insured's home and young drivers who are out of school. You never know what might happen, and car insurance will save you from having catastrophic debt. With a motto like that, it's no surprise that New Hampshire doesn't require everyone to have car insurance.
Even if you don't have a car, you could benefit from insurance for people outside of you if you plan to borrow someone else's car. In fact, on its website, the New Hampshire Department of Safety states that it strongly recommends that all vehicle owners have liability insurance and property damage insurance. While you're not required to have car insurance in New Hampshire, it's always in your best interest to be covered.