After SR-22 Insurance
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New Hampshire SR-22 Insurance After DUI or Suspension

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

$100

State license reinstatement fee

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

Minimum Coverage Requirements in New Hampshire

New Hampshire is unique: it does not mandate auto insurance for all drivers, but if you're convicted of a DUI, caught driving uninsured after an at-fault accident, or accumulate serious violations, the state will require you to carry liability coverage and file SR-22 proof with the New Hampshire Division of Motor Vehicles. For drivers completing their SR-22 period, the filing automatically ends after 3 years of continuous coverage, but rates remain elevated until you proactively shop with standard carriers who view your violation as aged.

Liability Insurance

Liability coverage pays for injuries and property damage you cause to others. New Hampshire requires SR-22 filers to maintain 25/50/25 minimums continuously with the Division of Motor Vehicles for the entire 3-year period. If your policy lapses even one day, the DMV resets your clock and you start the 3-year requirement over. Once your requirement ends, many post-SR22 drivers increase limits to 100/300/100 to access better carrier pricing and avoid future financial exposure.

Full Coverage

Full coverage combines liability, collision, and comprehensive protection. Lenders require it if you finance or lease, and it protects your vehicle investment after an at-fault accident or theft.

Uninsured Motorist Coverage

New Hampshire does not require all drivers to carry insurance, which means uninsured motorist (UM) coverage is critical for protecting yourself if hit by an uninsured driver. For post-SR22 drivers rebuilding their financial footing, UM coverage prevents a second financial hit from someone else's lapse.

Comprehensive Coverage

Comprehensive coverage pays for non-collision damage: theft, vandalism, fire, weather, and animal strikes. New Hampshire winters bring heavy snow and ice, and comprehensive claims for weather damage are common in Manchester, Nashua, and Concord.

SR-22 Insurance

SR-22 is not insurance—it's a certificate your insurer files with the Division of Motor Vehicles proving you carry continuous liability coverage. Once your requirement ends, you must request formal removal from the DMV and immediately shop standard carriers; your non-standard insurer will not automatically lower your rates.

What Drivers Pay in New Hampshire

$100–$231/mo

Typical monthly rate in New Hampshire, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Violation type: DUI surcharges last 5–7 years; at-fault accidents typically 3–5 years
  • Carrier competition: Manchester and Nashua have 12+ carriers actively competing for post-SR22 drivers; rural areas have fewer options
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If 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

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Required for all SR-22 filers in New Hampshire at 25/50/25 minimums.

Full Coverage

Combines liability, collision, and comprehensive. Protects your vehicle and satisfies lender requirements if you finance.

SR-22 Insurance

Proof-of-insurance certificate filed with the Division of Motor Vehicles for 3 years. Costs $15–$35 to file.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if hit by a driver with no insurance. Optional in New Hampshire but recommended.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, fire, and animal strikes. Optional unless you finance your vehicle.

Non-Standard Auto Insurance

Coverage for high-risk drivers who cannot qualify for standard carriers. Rates are 50–150% higher but provide required SR-22 filing.

Find Your City in New Hampshire

Manchester

urban

Nashua

suburban

Concord

suburban

Derry

suburban

Dover

suburban

Rochester

suburban

Keene

urban

Portsmouth

urban