Is car insurance a legal requirement in New Zealand is no, car insurance is not legally required to drive a car in New Zealand, unlike many other countries where third party insurance mandatory. In New Zealand, there is no law requiring drivers to have car insurance to drive on public roads, with New Zealand being one of few developed countries without compulsory third party car insurance, with no requirement for third party liability insurance, though you must have vehicle registered and warranted, with ACC covering personal injury from accidents via Accident Compensation Corporation, which is no fault personal injury cover funded by levies, covering medical costs for injuries regardless of fault, but not covering property damage to other vehicles or property. While not legally required, car insurance highly recommended, with over 90 percent of New Zealand drivers having some form of car insurance including third party and comprehensive, with insurers including AA Insurance, State, AMI, and Tower offering third party from $15 per month and comprehensive from $40 per month, with many finance companies requiring comprehensive insurance if car financed. Driving without insurance means you personally liable for property damage if at fault, which can be thousands. So car insurance not legal requirement in New Zealand, no compulsory insurance law, unlike UK and Australia where third party compulsory, but highly recommended due to liability for property damage, with ACC covering injury but not property, with most drivers insured voluntarily.
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