New Hampshire SR-22 & High-Risk Auto Insurance
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowNew Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New Hampshire does not mandate auto insurance for all drivers—it is one of only two states with this approach—but requires vehicle owners to prove financial responsibility if involved in an accident, convicted of certain violations, or caught driving uninsured. Drivers with DUI convictions, suspended licenses, or at-fault accidents without insurance must file SR-22 to reinstate driving privileges. Once SR-22 is triggered, maintaining continuous coverage becomes mandatory for the filing period.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$231–$235/mo
Typical monthly rate in New Hampshire, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- SR-22 filing requirement adds immediate surcharge and restricts you to non-standard carriers with higher base rates
- Time since violation—rates decrease as violations age, with steepest drops after 3 years
- Coverage lapses during SR-22 period restart the filing requirement and trigger additional penalties
- Vehicle type and age—older vehicles with liability-only coverage cost less than newer financed vehicles requiring full coverage
- City of residence—Manchester and Nashua have higher rates due to accident frequency and uninsured driver rates
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Limited Driving Privilege (limited privilege license, RSA 263:57-b)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in New Hampshire?
New Hampshire requires SR-22 filing for 3 years from the date your insurer submits the certificate to the DMV. If your policy lapses or is canceled during this period, the 3-year requirement restarts from the date you file a new SR-22. You cannot reduce the filing period, but rates typically decrease after 3–5 years of continuous coverage.
Can I get car insurance in New Hampshire without SR-22 after a DUI?
No. If the New Hampshire DMV requires SR-22 filing due to a DUI conviction, you must maintain the certificate for the full 3-year period. No insurer can legally provide coverage without filing SR-22 on your behalf. Attempting to drive without SR-22 during the requirement period will result in license suspension and criminal charges.
Which insurance companies offer SR-22 in New Hampshire?
Non-standard carriers specializing in high-risk drivers file SR-22 in New Hampshire. Standard carriers typically refuse SR-22 business or charge prohibitive rates. Most SR-22 filers work with regional non-standard carriers or national high-risk specialists. Availability varies by violation type—DUI convictions limit options more than minor violations.
Do I need car insurance in New Hampshire if I don't have SR-22?
New Hampshire does not require insurance for all drivers, but you must prove financial responsibility if involved in an accident, convicted of certain violations, or caught driving uninsured. Once SR-22 is triggered, you are legally required to maintain continuous liability coverage for 3 years. Driving without insurance during the SR-22 period results in immediate license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New Hampshire's 25/50/25 minimums are low—serious accidents often exceed $100,000 in damages, leaving high-risk drivers personally liable for the difference.
SR-22 Certificate Filing
State-mandated proof of continuous liability coverage filed by your insurer with the New Hampshire DMV. Required for 3 years following DUI, suspension, or uninsured accident.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you are hit by a driver without insurance. Not required in New Hampshire, but approximately 12% of drivers are uninsured.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with DUIs, suspensions, or SR-22 requirements. Premiums are higher but acceptance rates are broad.
Collision Coverage
Pays for vehicle damage regardless of fault. Required by lenders if you finance or lease a vehicle during your SR-22 period.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Frequently required by lenders alongside collision during your SR-22 filing period.