New Hampshire SR-22 Insurance: What It Is and How Much It Costs

SR-22 insurance is a requirement for New Hampshire drivers convicted of high-risk traffic offenses, including reckless driving, at-fault collisions and driving under the influence (DUI). In these cases, New Hampshire requires that your insurance company files an SR-22 form to confirm that your coverage meets New Hampshire’s minimum auto insurance requirements. SR-22 insurance policies and standard insurance coverage are basically the same, but high-risk violations often result in increased insurance premiums. MoneyGeek found that the cheapest provider of SR-22 insurance in New Hampshire is USAA, with an average cost of $360 per year, followed by Progressive at $409 annually.

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Which New Hampshire Insurance Companies Offer the Cheapest SR-22 Insurance?

Insurance companies charge more for SR-22 insurance than a standard policy. Most of this cost is associated with the risk of covering a driver with a serious offense, like a DUI or a hit-and-run. The SR-22 itself costs only a small fee.

On average, the minimum SR-22 insurance cost in New Hampshire is $780 per year if the SR-form was filed because of a DUI. In contrast, a standard car insurance policy with no SR-22 costs an annual average of $409.

There are a variety of options available for cheap SR-22 insurance in New Hampshire. MoneyGeek found that the most inexpensive SR-22 insurance provider in the state was USAA, with an average cost of $360 per year. However, USAA coverage is only available to military persons with their families. For non-eligible drivers, Progressive is the cheapest alternative, with an average annual cost of $409.

Cheapest Companies for SR-22 Insurance in New Hampshire

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The average annual costs above apply to a car insurance policy that meets the minimum state insurance requirements, along with a full coverage policy with bodily injury liability costs per person of $100,000, accident coverage of $300,000 and $100,000 of property damage costs.

Different insurance companies charge different average insurance premium rates based on factors such as driving violations, loss of discounts and the SR-22 form filing fee. To get the lowest possible rates with an SR-22 filing in New Hampshire, take the time to compare quotes from at least three providers.

Key Takeaways

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Filing the SR-22 form in New Hampshire comes with a one-time fee of about $25.

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Even if you have been enjoying good driver discounts, purchasing SR-22 insurance disqualifies you from them, meaning you’ll pay more for your car insurance.

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SR-22 insurance costs in New Hampshire vary depending on the severity of your case. Violations such as a hit-and-run can cause rates to surge significantly.

What Is SR-22 Insurance in New Hampshire? Who Needs It? How Do You Get It?

SR-22 is not an insurance policy, although most people refer to it as such. Rather, it is a form filed by your car insurance provider to indicate your coverage meets the state’s minimum liability coverage demands. New Hampshire insurers can file SR-22 forms at the Division of Motor Vehicles (DMV).

Drivers convicted of severe traffic offenses such as reckless driving or DUI may have their driving privileges revoked. To have these reinstated, they’ll need to purchase SR-22 insurance. Securing car insurance after a DUI is often more costly than when you have a clean driving record.

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NEW HAMPSHIRE MINIMUM CAR INSURANCE REQUIREMENTS

Purchasing car insurance in New Hampshire is optional. However, drivers who file an SR-22 need to verify they meet the state’s minimum car insurance limits, which are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage

Who Needs SR-22 Insurance in New Hampshire? And for How Long Do They Need It?

High-risk violations that trigger the SR-22 insurance requirement vary from state to state. New Hampshire requires you to file for SR-22 insurance if you are convicted of any of the following violations:

  • Reckless driving
  • Driving with a suspended license
  • DUI

Drivers found with minor violations such as a ticket or accident do not need to file an SR-22. While seeking insurance after an accident or ticket, comparing quotes from various companies can help you find the best rates. Your insurance costs won’t be as high as someone who needs to purchase an SR-22.

How Do You Get SR-22 Insurance in New Hampshire?

Although New Hampshire has no official car insurance laws or requirements, drivers with certain violations are required to obtain insurance and file an SR-22 through their provider, who submits it to the state’s DMV.

The terms used by each insurance provider differ, and some do not provide SR-22s. In case your insurer declines your request for an SR-22 form, you can switch to a new company. However, note that the rates will be higher than those of a standard policy.

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Non-Owner SR-22 Insurance in New Hampshire

After a major driving offense in New Hampshire, your license may be suspended. To get your license reinstated, you might need to file an SR-22 form to verify you have purchased insurance, even if you don’t own a car.

Non-owner car insurance policies are an affordable way to provide proof of liability insurance coverage. This policy is ideal for someone who needs proof of insurance to get a license or who doesn’t own a car but regularly rents cars or borrows them from friends or family. To find cheap non-owner car insurance, you should ideally shop around and compare quotes from multiple providers.

The average cost of a non-owner auto insurance policy in New Hampshire is $448 per year. USAA offers the least expensive SR-22 non-owner insurance in New Hampshire at $200 per year on average, but it is only available to military personnel and their families. GEICO is the next cheapest with average annual rates of $220.

The Average Cost of Non-Owner SR-22 Car Insurance in New Hampshire

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These prices for non-owner car insurance are for drivers with a DUI on their record, buying policies in New Hampshire covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in New Hampshire

While looking for SR-22 insurance in New Hampshire, various questions arise about providers, premiums and the filing procedures. Some of these include:

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Methodology

MoneyGeek analyzed renters insurance premiums from ten of the top insurance companies in New Hampshire that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across New Hampshire. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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