New Hampshire SR-22 & High-Risk Auto Insurance
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Find Carriers That Accept PointsNew 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 does not mandate auto insurance for all drivers — it operates under a "prove financial responsibility when required" model. However, if you have a DUI, at-fault accident without insurance, license suspension, or certain traffic violations, the New Hampshire Division of Motor Vehicles typically requires proof of financial responsibility via SR-22 filing. High-risk drivers subject to SR-22 requirements must maintain continuous coverage for the full filing period — typically 3 years — or face license suspension and filing period restart.
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
- Points on license: New Hampshire assigns 3–6 points per violation; drivers near the 12-point suspension threshold face the highest surcharges
- Time since violation: rates begin to decrease after 1–2 years of clean driving, with full violation removal from rate calculations after 3–5 years
- Location: urban areas like Manchester and Nashua show higher rates due to accident frequency; rural areas may see lower premiums but fewer carrier options
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. New Hampshire's 25/50/25 minimums are the legal floor when insurance is required, but a single serious accident can exceed these limits and leave you personally liable for the difference.
SR-22 Insurance
Proof of financial responsibility filed by your insurer with the New Hampshire DMV. Required after DUI, uninsured accidents, repeated violations, or license suspension. The filing itself is not insurance — it certifies you carry the state-required minimums.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers with violations, SR-22 requirements, and license suspensions. Non-standard insurers often approve drivers that standard carriers decline and may offer more competitive rates for drivers with multiple points or DUIs.
Full Coverage
Combines liability, collision, and comprehensive coverage. Protects both your liability to others and your own vehicle from accidents, theft, vandalism, and weather damage.
Uninsured Motorist Coverage
Pays for your medical bills and vehicle damage if you are hit by a driver with no insurance or insufficient coverage. Not required in New Hampshire, but recommended because the state's no-mandate insurance model results in a higher share of uninsured drivers than in states with universal requirements.
Point Reduction and Rate Recovery
New Hampshire assigns 3–6 points per violation and suspends licenses at 12 points within 12 months or 3 speeding violations in 12 months. Points remain on your record for 3 years but may stop affecting insurance rates after 1–2 years of clean driving.