Cheapest SR-22 Car Insurance in New Hampshire: 2026 Rates and Requirements

New Hampshire is the only state in the country where auto insurance isn't legally required for all drivers, but SR-22 is still mandatory after qualifying violations, and the filing runs through the standard DMV process. Progressive is the cheapest SR-22 insurer at $77 per month for minimum coverage, $12 below GEICO's $89 per month. Drivers with a clean record pay $45 per month for minimum coverage, making the cheapest SR-22 rate 71% higher than that baseline.

Drivers who need minimum coverage to reinstate their license at the lowest possible cost should start with Progressive at $77 per month. Those with a financed vehicle who need  full coverage car insurance in New Hampshire will find Progressive's $116 per month full coverage rate equally competitive. Drivers concerned about credit history can review options for car insurance for drivers with bad credit alongside their SR-22 search.

GEICO offers the lowest single-provider rate in New Hampshire's violation table at $52 per month for Other Violations. MMG leads hit-and-run ($69) and racing ($68) categories, and GEICO leads multiple speeding tickets at $67 per month. Progressive leads Most Drivers ($72), Senior Drivers ($71) and Young Drivers ($80). Drivers with a DUI pay the highest rates at $80 per month on average, a $26 monthly gap above the $54 per month speeding-ticket rate. Drivers with a DUI should review car insurance after a DUI to find the most competitive rate for their situation.

Contoocook and Walpole are tied as the cheapest cities for SR-22 minimum coverage at $54 per month through MMG, while Manchester is the most expensive at $78 per month, a $24 monthly spread. MMG leads as the cheapest company in three of the four New Hampshire cities analyzed, with Progressive taking the top spot in Manchester at $78 per month. Drivers looking to reduce costs beyond the SR-22 period should review the cheapest car insurance in New Hampshire for rates available once the filing requirement ends.

Progressive is the top-ranked SR-22 insurance company in New Hampshire, based on MoneyGeek's affordability scores. At $77 per month for minimum coverage, Progressive works best for drivers who need to reinstate their license at the lowest possible cost. Progressive writes policies statewide, so New Hampshire drivers with any violation type can access its rates.

Auto-Owners ranks second, with a 5/5 customer experience score, the highest in this category among SR-22 providers analyzed. Auto-Owners is the right pick for drivers who prioritize claims handling and service quality during the SR-22 period. Drivers who want to compare additional options can review the best car insurance in New Hampshire and the best car insurance companies nationally.

New Hampshire drivers with a DUI pay an average of $80 per month for SR-22 minimum coverage, compared to $45 per month for a clean-record driver, a 78% increase. Other violations carry lower rates, with speeding ticket holders averaging $54 per month. Drivers can use the average cost of car insurance in New Hampshire guide and the car insurance calculator New Hampshire to model their specific situation.

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the New Hampshire Division of Motor Vehicles (DMV) to confirm you carry the required minimum liability coverage. New Hampshire requires the SR-22 on file for three years from the date of conviction. New Hampshire does not use FR-44; SR-22 is the only financial responsibility certificate required in the state.

If coverage lapses at any point during the three-year period, your license is re-suspended immediately with no grace period, and the three-year clock restarts from scratch. You will also owe the $100 reinstatement fee again before your license can be reissued. Drivers who need guidance on reinstating a suspended license can review SR-22 insurance requirements at the national level for context.

Progressive is the best choice for drivers who need SR-22 minimum coverage at the lowest cost, at $77 per month in New Hampshire. Drivers with a financed vehicle who need full coverage to satisfy lender requirements will find Progressive equally competitive at $116 per month, making it the top pick for both coverage tiers. Before the three-year SR-22 period ends, confirm with your insurer that the filing will be removed automatically and that no lapse occurs during the final renewal cycle; any gap restarts the clock. Once the SR-22 requirement expires, compare the cheapest car insurance in New Hampshire to find standard market rates that may be substantially lower than what you paid during the filing period.