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 operates under a unique "prove you can pay" system rather than mandatory insurance, but this ends immediately if you cause an accident, receive a DUI, or face a license suspension. At that point, the state typically requires 25/50/25 liability minimums and SR-22 filing through the New Hampshire Division of Motor Vehicles. High-risk drivers lose the no-insurance option entirely and must maintain continuous coverage to avoid extended suspensions.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- Prior insurance history: A lapse before the violation compounds the surcharge, as insurers view coverage gaps as additional risk
- County of residence: Manchester and Nashua see higher rates due to claim frequency and population density
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Certificate filed by your insurer with the New Hampshire DMV proving you carry minimum liability. Required for 3 years after DUI, suspension, or uninsured accident. Filing costs $15–$35, but the surcharge from being classified as SR-22-required raises premiums by 80% or more.
Non-Standard Auto Insurance
Specialty market coverage for drivers with DUI, suspensions, SR-22 requirements, or multiple violations who cannot access standard carriers. Rates are 60–150% higher than standard, but coverage is often the only option after serious violations.
Liability Insurance
Covers injuries and property damage you cause to others. New Hampshire requires 25/50/25 minimums after violations, but these limits leave you personally liable for damages exceeding the cap — a serious risk when one accident has already triggered SR-22.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance. Not required in New Hampshire, but the state's voluntary insurance law creates one of the highest uninsured driver rates in the country, making UM coverage a practical necessity despite added cost.
Full Coverage
Combines liability, comprehensive, and collision to protect both other drivers and your own vehicle. Lienholders require it regardless of driving record. For SR-22 drivers financing a vehicle, premiums can reach $350–$500/mo or higher.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lienholders and essential if you're financing. High-risk drivers face higher premiums and deductibles, often $1,000 or more in the non-standard market.