Updated March 2026
State Requirements
New Hampshire is unique in not requiring auto insurance for all drivers, but if you are convicted of DUI, cause an uninsured accident, accumulate excessive violations, or face license suspension, the state mandates both coverage and SR-22 filing. Minimum liability limits are 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. High-risk drivers subject to SR-22 must maintain continuous coverage without lapse for the entire 3-year requirement period, or the filing period resets from the lapse date.
Cost Overview
High-risk auto insurance rates in New Hampshire are determined by violation type, time since incident, and claims history. DUI convictions increase premiums by 80–120% in the first year, while at-fault accidents raise rates 40–70%, and suspended license cases see increases of 50–90%. Rates decline progressively as violations age beyond 3 years, with most drivers recovering standard rates within 5–7 years of maintaining a clean record.
What Affects Your Rate
- Type of violation: DUI increases rates 80–120%, at-fault accidents 40–70%, suspended license 50–90%
- Time since incident: rates drop 15–25% annually after year 3 for drivers maintaining clean records
- SR-22 filing requirement adds administrative cost and limits carrier availability to non-standard insurers
- Claims history: prior at-fault accidents or comprehensive claims compound rate increases by 20–40%
- Urban vs. rural location: Manchester and Nashua rates run 10–20% higher than rural Coos or Carroll counties
- Credit-based insurance score: New Hampshire allows credit rating to influence premiums, adding 15–30% for poor credit combined with violations
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Get Your Free QuoteCoverage Types
SR-22 Insurance
State-mandated proof of financial responsibility filed by your insurer to the New Hampshire DMV. Required for DUI, suspended license, at-fault uninsured accidents, and excessive violation accumulation.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. State minimum is 25/50/25, but high-risk drivers should consider 50/100/50 or higher to avoid personal liability.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Not required in New Hampshire but must be offered by all carriers.
Non-Standard Auto Insurance
Specialized coverage from carriers that write policies for drivers with DUI, suspended licenses, SR-22 requirements, or multiple violations. Offers guaranteed SR-22 filing and reinstatement support.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, minus your deductible. Required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, animal strikes, and other non-collision events. Required by lienholders and recommended for vehicles worth over $5,000.
