Cheapest SR-22 Car Insurance in New Hampshire

MMG Insurance offers New Hampshire's cheapest SR-22 insurance at $832 for minimum coverage and $1,495 for full coverage. Its minimum coverage rate is $862 below the state average of $1,694, or around 43% cheaper, highlighting MMG Insurance's strong competitive edge in this market.  

Allstate, the most expensive on our list, costs $1,308 for minimum coverage, still 16% below the state average but $476 more than MMG Insurance. Price shopping can uncover affordable coverage for high-risk drivers after SR-22 filings.

The table below shows the top five companies with the lowest SR-22 insurance rates in New Hampshire.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive frequently ranks as the lowest-cost SR-22 carrier across categories. The least expensive category is Drivers With Other Violations, at $626 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, at $961 with Progressive. The $335 spread shows how age and suspension history push rates higher.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Contoocook has New Hampshire's lowest minimum coverage SR-22 at $653 (MMG Insurance), while Manchester averages $935 (Progressive). The $282 difference, about 43% higher, reflects typical urban cost variations.

Even in smaller states, traffic patterns and regional repair costs can significantly affect SR-22 pricing.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive stands out as the best car insurance provider for SR-22 filing in New Hampshire, offering an excellent balance of affordable rates, quality customer service and comprehensive coverage options. While Progressive leads the pack, you should also consider Auto-Owners, MMG, GEICO and Allstate for your SR-22 insurance needs.

New Hampshire drivers pay $1,445 annually for minimum SR-22 coverage and $2,360 for full coverage policies.New Hampshire ranks as the 16th most affordable for minimum coverage and 8th for full coverage insurance. Monthly premiums vary from $61 to $653, depending on individual driver factors.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our research shows Walpole has the lowest SR-22 insurance rates in New Hampshire at $100 monthly, while Manchester costs the most at $138 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with New Hampshire laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are required for three years. This period can extend to 5 years with violations or noncompliance with requirements.

Beyond meeting New Hampshire's SR-22 filing requirements, drivers must also comply with various state insurance regulations and coverage mandates.

In New Hampshire, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in New Hampshire:

MoneyGeek analyzed hundreds of thousands of quotes across New Hampshire to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

New Hampshire SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on New Hampshire's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.