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.
Best 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.
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Cheapest Car Insurance Companies in New Hampshire After a DUI
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.
Cheapest Companies for Full Coverage in New Hampshire After a DUI
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:
- Progressive: $695 per year
- Concord Group: $1,015 per year
At around $723 per year, USAA is also an affordable option, but it’s only available for veterans, military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in New Hampshire After a DUI
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:
- Progressive: $409 per year
- Concord Group: $582 per year
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.
Cheapest Car Insurance for Minimum Coverage After a DUI
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.
Top Car Insurance Companies in New Hampshire After a DUI
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.
Best Companies for Full Coverage in New Hampshire After a DUI
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.

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.

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.
Best Companies for Minimum Coverage in New Hampshire After a DUI
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.

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.
How Much Does Car Insurance Cost in New Hampshire After a DUI?
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?
Full Coverage
$744Full 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.
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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:
- Fines, court and attorneys’ fees: You’ll need to pay fines and court fees following a DUI arrest or conviction. It may also be necessary for you to hire a lawyer in case you need to post bail or challenge an unfair ruling.
- Towing or impound fee: After your arrest, your car can get towed and impounded. You’ll need to pay the corresponding towing and impounding fees to reclaim your vehicle.
- Drug education and treatment: You may be required to undergo drug education and treatment after a DUI.
- DMV reinstatement fee: You’ll have to pay a fee to reinstate your driving privileges after your license revocation.
Getting Car Insurance in New Hampshire After a DUI
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.
New Hampshire DUI Laws
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.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Frequently Asked Questions
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.
Methodology
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

sources
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.
- Insurance Institute for Highway Safety. "Alcohol and Drugs." Accessed April 25, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.
- New Hampshire DMV. "Alcohol Ignition Interlock Program." Accessed April 25, 2022.
- New Hampshire DMV. "Suspension/Revocation." Accessed April 25, 2022.