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Cheapest SR-22 Car Insurance in New Hampshire (2023)


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Updated: Oct 26, 2023
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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.

MoneyGeek Logo IconCheapest SR-22 InsuranceNew Hampshire
2023

Cheapest Companies for SR-22 Car Insurance in New Hampshire

Cheapest Companies for SR-22 Car Insurance in New Hampshire

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

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.

Company
Annual Premium
Monthly Premium

State Farm

$233

$19

State Farm

$233

$19

State Farm

$247

$21

State Farm

$247

$21

Concord Group

$271

$23

Concord Group

$273

$23

State Farm

$296

$25

State Farm

$296

$25

Concord Group

$306

$26

Concord Group

$309

$26

Vermont Mutual

$311

$26

Safety Group

$316

$26

MAPFRE

$321

$27

Vermont Mutual

$349

$29

Vermont Mutual

$349

$29

State Farm

$357

$30

Safety Group

$367

$31

Safety Group

$367

$31

Vermont Mutual

$368

$31

GEICO

$369

$31

State Farm

$373

$31

Safety Group

$375

$31

Concord Group

$386

$32

Concord Group

$391

$33

MAPFRE

$398

$33

Concord Group

$403

$34

Nationwide

$417

$35

State Farm

$429

$36

Nationwide

$440

$37

Concord Group

$455

$38

GEICO

$460

$38

Concord Group

$465

$39

Vermont Mutual

$466

$39

Concord Group

$470

$39

GEICO

$482

$40

Vermont Mutual

$486

$40

Nationwide

$492

$41

State Farm

$500

$42

State Farm

$500

$42

MAPFRE

$504

$42

MAPFRE

$504

$42

Nationwide

$511

$43

MAPFRE

$513

$43

MAPFRE

$513

$43

GEICO

$515

$43

State Farm

$540

$45

State Farm

$540

$45

GEICO

$541

$45

Allstate

$549

$46

Concord Group

$552

$46

Progressive

$562

$47

Nationwide

$572

$48

Safety Group

$573

$48

Safety Group

$573

$48

Concord Group

$575

$48

Concord Group

$576

$48

Allstate

$588

$49

GEICO

$591

$49

Progressive

$593

$49

Vermont Mutual

$595

$50

Vermont Mutual

$595

$50

Allstate

$599

$50

Allstate

$603

$50

Concord Group

$619

$52

GEICO

$623

$52

Nationwide

$624

$52

Concord Group

$630

$52

Progressive

$636

$53

Allstate

$640

$53

Allstate

$647

$54

Allstate

$654

$55

Nationwide

$654

$55

State Farm

$662

$55

Vermont Mutual

$674

$56

Progressive

$676

$56

GEICO

$680

$57

State Farm

$681

$57

State Farm

$681

$57

Nationwide

$689

$57

Allstate

$690

$58

Concord Group

$695

$58

Allstate

$705

$59

Allstate

$708

$59

State Farm

$708

$59

Vermont Mutual

$712

$59

Nationwide

$715

$60

GEICO

$717

$60

Progressive

$723

$60

Safety Group

$725

$60

Progressive

$737

$61

Safety Group

$738

$61

State Farm

$747

$62

Safety Group

$749

$62

Allstate

$755

$63

Progressive

$758

$63

State Farm

$763

$64

Nationwide

$768

$64

Vermont Mutual

$770

$64

Vermont Mutual

$770

$64

Concord Group

$771

$64

Concord Group

$774

$64

Allstate

$774

$65

GEICO

$778

$65

Concord Group

$785

$65

GEICO

$811

$68

Vermont Mutual

$814

$68

State Farm

$819

$68

Nationwide

$827

$69

MAPFRE

$833

$69

Progressive

$836

$70

Nationwide

$837

$70

Safety Group

$844

$70

Safety Group

$844

$70

Nationwide

$853

$71

Progressive

$863

$72

Safety Group

$865

$72

Concord Group

$872

$73

State Farm

$872

$73

GEICO

$876

$73

Nationwide

$878

$73

Allstate

$880

$73

Nationwide

$881

$73

Nationwide

$903

$75

Allstate

$924

$77

Concord Group

$933

$78

GEICO

$941

$78

Safety Group

$941

$78

Concord Group

$949

$79

MAPFRE

$950

$79

MAPFRE

$960

$80

Progressive

$978

$82

Allstate

$985

$82

GEICO

$992

$83

Nationwide

$1,001

$83

GEICO

$1,001

$83

GEICO

$1,018

$85

Nationwide

$1,020

$85

Progressive

$1,025

$85

Progressive

$1,035

$86

Allstate

$1,035

$86

Vermont Mutual

$1,035

$86

Allstate

$1,036

$86

GEICO

$1,040

$87

MAPFRE

$1,040

$87

Nationwide

$1,043

$87

State Farm

$1,052

$88

Allstate

$1,069

$89

Vermont Mutual

$1,081

$90

Concord Group

$1,094

$91

Progressive

$1,097

$91

State Farm

$1,098

$92

Nationwide

$1,109

$92

Progressive

$1,119

$93

Allstate

$1,127

$94

Allstate

$1,169

$97

MAPFRE

$1,171

$98

MAPFRE

$1,171

$98

Allstate

$1,172

$98

MAPFRE

$1,195

$100

MAPFRE

$1,195

$100

GEICO

$1,196

$100

Hanover

$1,199

$100

Progressive

$1,199

$100

GEICO

$1,237

$103

Allstate

$1,239

$103

State Farm

$1,262

$105

Progressive

$1,270

$106

Allstate

$1,277

$106

Nationwide

$1,278

$107

Progressive

$1,295

$108

Vermont Mutual

$1,305

$109

Safety Group

$1,307

$109

Safety Group

$1,318

$110

Concord Group

$1,323

$110

Vermont Mutual

$1,325

$110

Safety Group

$1,326

$110

Safety Group

$1,326

$110

Vermont Mutual

$1,329

$111

Vermont Mutual

$1,329

$111

Nationwide

$1,344

$112

GEICO

$1,352

$113

MAPFRE

$1,382

$115

Progressive

$1,397

$116

Nationwide

$1,397

$116

Allstate

$1,406

$117

Progressive

$1,471

$123

Progressive

$1,485

$124

Safety Group

$1,513

$126

MAPFRE

$1,525

$127

MAPFRE

$1,525

$127

Vermont Mutual

$1,551

$129

GEICO

$1,578

$131

Vermont Mutual

$1,595

$133

Nationwide

$1,656

$138

Hanover

$1,666

$139

GEICO

$1,673

$139

Progressive

$1,678

$140

MAPFRE

$1,707

$142

Safety Group

$1,711

$143

MAPFRE

$1,735

$145

Safety Group

$1,737

$145

Progressive

$1,807

$151

GEICO

$1,903

$159

Progressive

$1,936

$161

Hanover

$1,979

$165

GEICO

$2,014

$168

MAPFRE

$2,110

$176

Progressive

$2,129

$177

Hanover

$2,129

$177

Hanover

$2,145

$179

Safety Group

$2,184

$182

Hanover

$2,415

$201

Hanover

$2,531

$211

Hanover

$2,547

$212

Hanover

$2,712

$226

Hanover

$2,715

$226

Hanover

$2,720

$227

Hanover

$2,871

$239

Vermont Mutual

$2,941

$245

Vermont Mutual

$2,986

$249

Safety Group

$3,040

$253

Safety Group

$3,067

$256

Hanover

$3,084

$257

Vermont Mutual

$3,501

$292

Safety Group

$3,522

$293

MAPFRE

$3,611

$301

Hanover

$3,662

$305

MAPFRE

$3,840

$320

MAPFRE

$3,840

$320

Hanover

$4,535

$378

Hanover

$4,686

$390

MAPFRE

$4,739

$395

Hanover

$4,786

$399

Hanover

$5,516

$460

Hanover

$5,535

$461

Hanover

$5,665

$472

Hanover

$5,913

$493

Hanover

$6,048

$504

Hanover

$6,543

$545

Hanover

$6,991

$583

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What Is SR-22 in New Hampshire?

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.

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Once you complete the filing period for your SR-22, your insurance company must inform New Hampshire by submitting a Financial Responsibility Cancellation Form, commonly referred to as SR-26. This form serves as a notification to the state that you have complied with the SR-22 requirement. The Bureau of Financial Responsibility may need to review your record to determine if your SR-22 compliance needs an extension.

Cheapest Companies for Non-Owner SR-22 Car Insurance in New Hampshire

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

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.

Company
Annual Premium
Monthly Premium

State Farm

$255

$21

State Farm

$326

$27

GEICO

$362

$30

Progressive

$471

$39

GEICO

$530

$44

Nationwide

$595

$50

Progressive

$783

$65

Nationwide

$807

$67

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WHAT IS NON-OWNER CAR INSURANCE?

Insurance providers offer non-owner car insurance to protect drivers without a car from liability after an at-fault accident. It specifically covers expenses related to property damage and bodily injuries suffered by others involved in the accident. It does not, however, provide coverage for damage to the vehicle you are driving or personal injuries. This type of insurance can benefit car renters, rideshare drivers and professional drivers. If you need to file an SR-22 but do not own a car, you may need to acquire non-owner vehicle insurance in New Hampshire.

Average Cost of SR-22 Car Insurance in New Hampshire

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.

Driving Record
Annual Premium
Monthly Premium

Ticket

$1,330

$111

At-Fault Accident

$796

$66

DUI

$1,080

$90

Ticket

$874

$73

Clean

$505

$42

Ticket

$1,891

$158

Ticket

$1,322

$110

At-Fault Accident

$1,045

$87

At-Fault Accident

$1,617

$135

DUI

$1,323

$110

DUI

$2,117

$176

Clean

$950

$79

DUI

$1,059

$88

Ticket

$653

$54

Clean

$714

$59

Clean

$1,044

$87

At-Fault Accident

$2,237

$186

Clean

$1,599

$133

DUI

$2,116

$176

At-Fault Accident

$1,623

$135

At-Fault Accident

$812

$68

DUI

$2,775

$231

Clean

$463

$39

Ticket

$639

$53

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We recommend comparing rates from several insurers annually or whenever renewing your coverage. Comparing rates lets you find the best SR-22 insurance in New Hampshire that fits your budget. Other companies may offer discounts that help reduce the cost of car insurance. You can also look for coverages that can give improved financial protection.

How SR-22 Affects Car Insurance Rates in New Hampshire

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.

Car Insurance Rate Comparison Based on Driving Records in New Hampshire

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$459
accident2
After a DUI

Annual Premium for Minimum Coverage

$1,059
Car insurance premiums after a DUI are on average: :$600 more

This is 131% more expensive.

Other Effects of SR-22 on Car Insurance in New Hampshire

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:

1

Limited number of insurance options

Insurance companies handle the filing of the SR-22 form on your behalf, though not all insurers will do this. Therefore, if you need an SR-22 certificate, you must get coverage from an insurer capable of filing the form and licensed to operate in New Hampshire. These requirements can limit your choices of insurance providers.

2

Possible policy cancellation

Your insurance provider may cancel your policy altogether following a driving violation. Insurers may cease offering coverage if your license has been revoked or suspended due to a driving offense. Additionally, insurers may cancel a policy because of a conviction or forfeiture of bail. You can also risk losing your coverage if you have excessive driving violations.

3

Length of required filing

New Hampshire requires drivers to maintain their SR-22 for three years from conviction, accident or administrative action. In the case of a second DWI offense, the three-year period accrues from the date of restoration eligibility. Drivers can request relief after this period, although their records will still be under review.

4

Filing fees

SR-22 filing fees vary by state and range from $15 to $50. You may also have to pay fees to reinstate your driver's license or vehicle registration. Contact your insurance company and local DMV for more information about filing the paperwork, receiving the certificate and the corresponding fees.

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How to Get SR-22 Insurance in New Hampshire

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.

driverLicense icon
NEW HAMPSHIRE LICENSE REINSTATEMENT FEE

License reinstatement fees after an SR-22 filing can vary from state to state. It typically falls within $75 to $150 and is subject to change. We recommend checking with your local DMV for up-to-date information regarding fees and any additional regulations concerning the reinstatement of your driver's license.

How to Get Cheaper Car Insurance in New Hampshire After a DUI

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.

  • find icon

    Compare quotes immediately

    After a driving violation, consider comparing quotes from different insurers right away. It can help you find the best SR-22 insurance in New Hampshire that fits your budget while still offering quality service. Remember that your insurer can affect the cost of your policy, so it’s crucial to explore your options.

  • car icon

    Complete DWI classes or programs

    Participating in DWI programs and classes can provide valuable knowledge on avoiding future violations. Completing these programs can lead to lower insurance rates, though it might depend on your provider. One of these programs in New Hampshire is the Impaired Driving Program provided by the Department of Health & Human Services. Reputable organizations may also offer DWI programs and classes.

  • coins2 icon

    Look for discounts

    Drivers can save money on car insurance by looking for discounts. Insurers might provide a variety of discounts for different driver profiles. Some discounts that require a clean driving record, like safe-driver or good-driver discounts, may not be available to you. Although your options may be limited, you can check what discounts apply to you.

  • seatbelt icon

    Practice safe driving

    Always prioritize safety measures while driving to prevent accidents. Simple steps like checking your mirrors or keeping a safe distance from other vehicles can save you from an accident. You can also reduce the frequency of long-distance drives or limit how often you drive. It’s crucial to not drive under the influence to avoid accidents.

  • calendar icon

    Shop rates over time

    Insurance premiums may not be consistent over time. The cheapest provider for you this year may be different next year. By comparing rates, you can identify how car insurance costs vary for every insurer. We recommend exploring your options before renewing your policy, as you might find more reasonable rates from other insurers.

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Providers offer non-standard auto insurance for drivers who might be refused coverage by insurance companies due to being considered high-risk to insure. These policies may cover individuals with several speeding tickets, DWI convictions, limited driving experience, a record of causing accidents or a poor credit history. These drivers often encounter expensive premiums because of their higher-risk profiles.

Frequently Asked Questions About SR-22 Insurance in New Hampshire

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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