Cheapest SR-22 Car Insurance in New Hampshire (2024)

Concord Group and Progressive offer the most affordable rates for SR-22 car insurance in New Hampshire, with average annual premiums of $470 and $636, respectively. SR-22 car insurance is a certificate you must obtain after a severe driving offense. This certificate demonstrates financial responsibility and compliance with the state's minimum liability requirements for car insurance.

For drivers who do not own a vehicle, purchasing non-owner SR-22 car insurance is necessary for liability coverage. State Farm and GEICO are New Hampshire’s cheapest non-owner SR-22 car insurance providers. State Farm’s average annual policy is $326, while GEICO’s is $530.

MoneyGeek demystified SR-22 car insurance in New Hampshire by ranking affordable providers and illustrating state requirements.

The companies offering the cheapest minimum coverage car insurance in New Hampshire for drivers with a DWI are:

• Concord Group: $470 per year
• Progressive: $636 per year

If you’re looking for a full coverage policy, the most affordable SR-22 car insurance options are:

• Concord Group: $949 per year
• Allstate: $1,069 per year

Car insurance rates increase following a driving violation because providers think you may be riskier to insure. However, you can still find affordable rates by comparing quotes from different providers. The table below displays the insurance companies offering the lowest rates for SR-22 car insurance in New Hampshire. Average annual rates for minimum coverage SR-22 insurance policies range from $470 to $2,715.

An SR-22 is a certificate demonstrating your financial responsibility for at-fault accidents. You may need to secure this form after committing driving offenses, like a DWI. It is not a kind of insurance on its own. Submitting the form to the state allows you to reinstate your license and vehicle.

Drivers in New Hampshire need to keep their SR-22 for three years) from conviction, accident or administrative action. If you get a second DWI, the three years start when you’re eligible for license restoration.

Your insurer should file the SR-22 certificate. It’s important to immediately inform your insurer once the DMV has required you to obtain an SR-22. Your insurer must be licensed to do business in New Hampshire to file the certificate for you. Filing an SR-22 may increase your premiums, as your insurer might consider you a high-risk driver.

The cheapest companies in New Hampshire for non-owner SR-22 car insurance are:

• State Farm: $326 per year
• GEICO: $530 per year

USAA is an excellent choice for non-owner SR-22 car insurance for military members and veterans. Its average annual premium is $251 making it the most affordable company among the ones we analyzed.

Drivers who don't own a car may need non-owner car insurance. You may need this type of insurance if you lease or borrow cars, if your car has been totaled or taken away or if you’re driving for a ridesharing service. New Hampshire may also require a non-owner policy for reinstating your driver’s license.

The following table features New Hampshire’s least expensive car insurance companies for non-owner SR-22 car insurance, with their corresponding rates ranging from $255 to $807. USAA offers the most affordable rates among these companies, while Nationwide is the most expensive provider.

The average cost of car insurance in New Hampshire for drivers with a DWI is $2,117 per year for a full coverage policy and $1,059 per year for a minimum coverage policy. Drivers with DWIs, speeding tickets and at-fault accidents may be required to file an SR-22 form. If the DMV has directed you to get an SR-22 certificate, you need to contact your insurance company so it can start the process immediately. Remember that filing the SR-22 may increase your insurance premiums since insurers view you as riskier to insure with offenses on your record.

Drivers with violations may need an SR-22 certificate to demonstrate their financial responsibility. New Hampshire may require drivers to file an SR-22 form after any DWI, a second offense for Reckless Operation or leaving the scene of an accident.

After filing an SR-22, insurers may assume you are more likely to be involved in accidents and raise your rates. As a result of a DWI, your average car insurance expenses could escalate from $459 per year to $1,059 per year.

SR-22 car insurance is more expensive than typical car insurance rates. However, increased premiums aren't the sole consequence of SR-22 insurance. You may also have fewer insurance options, face fines or lose coverage. The following are some of the effects of SR-22s on auto insurance:

To secure insurance coverage after a violation, drivers typically go through the following steps:

1. Find an insurance company that caters to drivers with violations on their records, can assist with filing an SR-22 form and is licensed to operate in New Hampshire.
2. Check whether the liability limits of your desired policy align with New Hampshire’s minimum car insurance requirements.
3. Request your insurer to file an SR-22 form on your behalf. Be prepared to pay any fees and keep your premium payments up to date as required.

By completing this process, you can acquire a car insurance policy that provides adequate financial protection. Remember that an SR-22 certificate is essential for reinstating your driver's license.

Insurers consider DWI drivers high-risk, leading to expensive premiums. The cost of car insurance for drivers with poor driving history can vary depending on the insurer. Although car insurance costs more after a DWI, comparing rates, seeking discounts and taking driver's education programs can help lower premiums. The following tips can help reduce your SR-22 car insurance premiums.

MoneyGeek gathered a list of commonly asked questions regarding SR-22 insurance in New Hampshire. We provided answers to assist you in finding a policy that meets your needs.