Updated: May 20, 2024
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Progressive is MoneyGeek’s pick as the best full coverage and minimum coverage insurance provider following a DUI in New Hampshire. Our research found that Progressive is also the cheapest car insurance provider for both full and minimum coverage insurance in the state following a DUI.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Insurance companies in New Hampshire can legally refuse to insure you if you have a DUI on your record. Providers may still offer you car insurance after getting a DUI, but you could pay up to 73.45% higher compared to drivers with clean records.
Your rates get more expensive after a DUI because having such a violation indicates that you’re a high-risk driver. Aside from severe financial setbacks, a DUI in New Hampshire can result in jail time, fines, license suspension and mandatory interlock installation.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Nationally, the cheapest car insurance companies for people with a DUI are Progressive and State Farm. In New Hampshire, Progressive has the most affordable rates for DUI offenders while State Farm’s offers are averagely priced. It is important to note that the lowest rates can change based on your location.
The price of your car insurance premiums after a DUI can vary based on your desired coverage level. Full coverage insurance provides more financial protection in case of an accident, but they are pricier compared to minimum coverage policies.
You can find the cheapest rates if you are buying post-DUI full coverage insurance in New Hampshire from these companies:
At around $723 per year, USAA is also an affordable option, but it’s only available for veterans, military members and their families.
| 1 | CompanyProgressive | Annual Premium$695 |
| 2 | CompanyUSAA | Annual Premium$723 |
| 3 | CompanyConcord Group | Annual Premium$1,015 |
| 4 | CompanyAllstate | Annual Premium$1,144 |
| 5 | CompanyGEICO | Annual Premium$1,221 |
After a DUI, the amount of coverage you choose can affect the price of your car insurance. Minimum coverage policies are often the cheapest available, but they have less protection compared to full coverage policies.
In New Hampshire, you can find the lowest offers from these companies if you’re looking for state minimum car insurance after a DUI:
USAA has the cheapest prices for state minimum insurance for those with a DUI at around $360 per year, but it’s only available to active and retired military members and their families.
| USAA | Minimum Annual Premium$360 |
| Progressive | Minimum Annual Premium$409 |
| Concord Group | Minimum Annual Premium$582 |
| Allstate | Minimum Annual Premium$675 |
| Commerce Group Inc | Minimum Annual Premium$834 |
While state minimum insurance is usually the most affordable car insurance on the market, most people may find this protection to be insufficient. These policies only have liability coverage, which pays for damages in case you’re at fault in an accident. However, minimum coverage policies don’t have comprehensive and collision coverage. It’s best to think about the amount of insurance you need before deciding on a policy.
MoneyGeek ranked the top car insurance companies in New Hampshire for drivers with a DUI. We scored carriers based on affordability, customer satisfaction, financial stability, and more. Based on our analysis, Progressive scored the highest for both minimum coverage policies and full coverage insurance.
MoneyGeek’s scoring system found that Progressive and Allstate are the best options in New Hampshire for drivers with a DUI looking for full coverage car insurance. They achieved the highest ratings out of the six companies in our study. Progressive scored excellent in complaints, financial stability and discounts, while Allstate had good scores on customer satisfaction and complaints.
If you have a DUI in New Hampshire, Progressive offers the cheapest full coverage policies in the state at around $695 per year. You’ll be paying 17.20% higher compared to what someone with a clean record pays, which is approximately $593 per year.
Progressive scored excellent in complaints, financial stability and discounts, but they have an average customer satisfaction score. They offer multiple discounts such as bundling, multiple cars, good student, safe driving, pay-in-full and paperless. They also offer unique add-ons like custom parts and equipment coverage. However, they are expensive for young drivers and lack common discounts like anti-theft systems, defensive driving and airbag.
Allstate offers full coverage car insurance for DUI offenders at roughly $1,144 per year. This rate is 23.76% higher than the $924 per year that drivers without a DUI pay for the same policy.
Allstate is our runner-up pick as the best car insurance provider for DUI offenders in New Hampshire. This provider gained high scores for customer satisfaction and complaints, and it’s cheap for young drivers. It also offers custom parts and sound system coverage. However, you can’t get common discounts such as multiple cars and defensive driving from this company, and it has below-average scores for affordability and discounts.
MoneyGeek’s analysis found that Progressive and Allstate are the highest scoring providers in New Hampshire for DUI offenders looking for state minimum policies. Keep in mind that despite the affordability of minimum coverage policies, their protection may not be enough for most people.
Following a DUI violation, you can buy Progressive’s’ state minimum insurance in New Hampshire for approximately $409 per year. Meanwhile, a driver with a clean record would pay an average of $356 per year for the same coverage. Drivers with a DUI pay an average of 12.9% more.
Progressive scored excellent in complaints, financial stability and discounts, but they have an average customer satisfaction score. Nonetheless, they offer multiple discounts such as bundling, multiple cars, good student, safe driving, pay-in-full and paperless. They also offer unique add-ons like custom parts and equipment coverage. However, they are expensive for young drivers and lack common discounts like anti-theft systems, defensive driving and airbag.
In New Hampshire, Allstate’s minimum coverage policies for drivers with DUI costs around $675 per year. The same policy costs approximately $563 per year for drivers without a DUI. Drivers with a DUI pay an average of 16.6% more.
Allstate is our runner-up pick as the best car insurance provider for DUI offenders in New Hampshire. This provider gained high scores for customer satisfaction and complaints, and it’s cheap for young drivers. It also offers custom parts and sound system coverage. However, you can’t get common discounts such as multiple cars and defensive driving from this company, and it has below-average scores for affordability and discounts.
A DUI arrest or conviction in New Hampshire can increase your car insurance premiums by 73.45% because you have proven to be a risky driver. MoneyGeek’s found that DUI offenders pay approximately $1,291 per year for a full coverage policy, while the same policy for drivers with a clean record costs around $744 per year.
Compare insurance costs before and after a DUI using the table below.
How long does a DUI affect the cost of your car insurance?
The length of time that a DUI stays in a driver’s record is called the look-back period. Law enforcement agencies use this to count your subsequent DUIs for sentencing purposes. Although the length of time varies among states, New Hampshire’s look-back period is 10 years.
Full Coverage
$744
Full Coverage
$1,291This is 74% more expensive.
You can expect your car insurance rates to go up after a DUI violation. This is because driving under the influence of alcohol or drugs is risky. If you get a DUI, it only proves to insurance companies that you’re a high-risk driver. Nonetheless, you can use MoneyGeek’s car insurance calculator to get a personalized estimate of rates based on your profile.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 27, 2024
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A DUI violation can become a costly experience for you. Not only will you have to pay higher insurance premiums, but you’ll also have to deal with additional costs:
It can get challenging for you to get car insurance after a DUI. Because insurance companies are private businesses, they are usually free to refuse to insure you. If you have a DUI, that means you’ve engaged in risky behavior, making you a high-risk driver in the eyes of insurance carriers. With a 10-year look-back period, you can expect difficulties obtaining insurance during this period.
However, it’s still possible for you to find car insurance companies who will offer you auto insurance, but expect that they will charge more. Shopping around and comparing offers is the best way to get the lowest rates available for you.
In New Hampshire, drivers with a high-risk traffic violation such as a DUI are legally required to buy SR-22 insurance before they can restore their driving privileges. It’s a document that confirms that a driver’s insurance coverage meets the state’s minimum requirements. SR-22 insurance policies and regular insurance policies are essentially the same. However, the latter is more expensive due to the increased insurance premiums that usually follow a high-risk violation.
In New Hampshire, driving under the influence of alcohol or drugs has severe legal consequences. Depending on your prior DUI convictions, you can get jail time, pay fines and lose your driving privileges. MoneyGeek broke down DUI laws in New Hampshire in the table below.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) refers to the percentage of alcohol in your bloodstream. In New Hampshire, operating a vehicle with a BAC of 0.08% (0.02% for under-21 drivers) or higher is considered a DUI. Additionally, you can still get arrested with a lower BAC if your ability to drive is noticeably impaired.
Driving with a BAC of 0.16% or higher will result in increased penalties
If you’re caught driving with a BAC of 0.16% or higher, you’ll be facing more severe penalties because that’s considered an aggravated DUI. Driving with a BAC of .16% or higher is considered a Class A misdemeanor.
Six-month administrative license suspension on first offense
During your first DUI offense, your license can get suspended for six months.
Ignition interlocks are mandatory
You’ll be required to install an ignition interlock device after your license reinstatement. Depending on the court ruling, it can be anywhere from 1–2 years.
Has open container laws
New Hampshire prohibits you from possessing open containers of alcohol inside a vehicle, whether you’re a driver or a passenger.
Has repeat offender laws
If you’ve committed another DUI during your look-back period, you’ll be given harsher penalties.
It can be challenging to find car insurance after a getting DUI in New Hampshire. MoneyGeek answered some frequently asked questions to help you know more.
After a DUI violation, your insurance carrier can legally drop your car insurance or refuse to renew your policy. If your company decides to keep you, you should expect higher rates.
In New Hampshire, your car insurance rates can increase by 73.45% after a DUI. The average price of a full coverage policy for someone with a DUI in the state is $1,291 per year.
Progressive offers the lowest rates for DUI offenders in New Hampshire looking for full coverage insurance and state minimum coverage. In addition, Progressive is our pick as the best full coverage insurance provider and minimum coverage insurance carrier in the state.
In New Hampshire, a DUI violation stays in your records for 10 years. You can expect that your car insurance rates will be affected throughout that period.
Shopping around and comparing quotes from various companies is the best way to get car insurance if you have a DUI.
To determine the top companies for individuals with DUIs in New Hampshire, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
