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New Hampshire SR-22 & High-Risk Auto Insurance

New Hampshire requires 25/50/25 liability coverage and is an at-fault state.

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New 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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in New Hampshire

New Hampshire is the only state that does not mandate auto insurance for most drivers, but the Division of Motor Vehicles requires SR-22 filing after specific violations regardless of the state's optional coverage approach. If you're convicted of DUI, driving uninsured and causing an accident, or suspended for a serious violation, you'll need to carry SR-22-certified liability insurance for 3 years. Even though New Hampshire doesn't require insurance otherwise, SR-22 filers must maintain continuous coverage or face license suspension and restart the 3-year clock.

SR-22 Liability Insurance

In New Hampshire, this is filed with the Division of Motor Vehicles by your insurer after a high-risk event. SR-22 filers cannot drop coverage during the 3-year requirement period—any lapse triggers an immediate license suspension and resets the filing clock to day one.

Non-Standard Auto Insurance

High-risk drivers in New Hampshire typically need non-standard or assigned-risk carriers willing to write policies after DUI, suspension, or multiple violations. Because New Hampshire lacks a state mandate for most drivers, standard carriers are particularly selective, leaving many SR-22 filers to work with specialty insurers. Non-standard policies often carry 2–4 times the rate of a clean-record policy but provide the only path to legal reinstatement.

Bodily Injury Liability

Bodily injury liability covers medical expenses, lost wages, and legal costs if you injure someone in an at-fault accident.

Property Damage Liability

Property damage liability pays for vehicle and property repairs you cause in an at-fault accident.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you're hit by a driver without insurance—a real risk in New Hampshire, where insurance is optional for most residents. This coverage is not mandated for SR-22 filers, but given the state's unique no-mandate status, a significant portion of drivers on the road carry no liability coverage.

Full Coverage (Comprehensive + Collision)

Full coverage combines comprehensive and collision insurance to repair or replace your vehicle after theft, vandalism, weather damage, or an at-fault accident. New Hampshire does not require this for SR-22 filers unless you're financing a vehicle, but full coverage protects your financial investment if you're driving a car worth more than a few thousand dollars.

What Drivers Pay in New Hampshire

$167–$195/mo

Typical monthly rate in New Hampshire, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • SR-22 duration: 3-year filing requirement keeps you in high-risk rating tier even after clean driving resumes
  • Limited carrier competition: New Hampshire's no-mandate status means fewer standard carriers compete for high-risk drivers, reducing price pressure
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Shop Again Before Your Next Renewal Hits

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry continuous liability coverage after a major violation. Required by the Division of Motor Vehicles for 3 years after DUI, suspension, or uninsured accident.

Non-Standard Auto Insurance

Policies written by specialty carriers for high-risk drivers rejected by standard insurers. Typically 2–4 times the cost of clean-record coverage but often the only option after DUI or multiple violations.

Full Coverage Insurance

Combines liability, comprehensive, and collision to cover damage to your vehicle and others' property. Required by lenders if you finance or lease; optional but recommended if your car is worth more than a few thousand dollars.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. New Hampshire requires this only for SR-22 filers, with minimums of 25/50/25.

Uninsured Motorist Coverage

Protects you if you're hit by a driver without insurance. Not required in New Hampshire but strongly recommended given the state's optional coverage system.

DUI Auto Insurance

High-risk insurance for drivers convicted of DUI or DWI. Requires SR-22 filing and non-standard carrier in most cases. Premiums are 80–150% higher than clean-record rates.

Find Your City in New Hampshire

Manchester

urban

Nashua

suburban

Concord

suburban

Derry

suburban

Dover

suburban

Rochester

suburban

Keene

urban

Portsmouth

urban