Updated March 2026
State Requirements
New Hampshire is the only state without a mandatory auto insurance requirement for registered vehicles, but drivers involved in at-fault accidents or convicted of certain violations must maintain liability coverage and file SR-22 proof. State minimums are 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. SR-22 filing is triggered by DUI convictions, driving without insurance when required, license suspensions, and accumulating 12 points within 12 months. High-risk drivers face significantly elevated premiums even after meeting reinstatement requirements.
Cost Overview
High-risk auto insurance premiums in New Hampshire vary significantly based on violation type, with DUI convictions carrying the steepest surcharges. Rates range from $2,200–$5,400 annually for drivers with SR-22 requirements, compared to $1,200–$1,800 for standard profiles. New Hampshire's unique optional insurance law creates a smaller non-standard carrier market, limiting options for high-risk drivers.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 80–150%, while speeding tickets add 20–40%
- Years since violation: rates drop 15–25% annually as violations age beyond 3 years
- SR-22 filing status: adds $400–$1,200 annually beyond violation surcharges
- Credit history: New Hampshire allows credit-based insurance scoring, impacting high-risk rates by 20–35%
- Coverage gaps: lapses within past 3 years trigger non-standard placement and 25–50% surcharges
- Multiple violations: each additional moving violation compounds surcharges exponentially
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Frequently Asked Questions
Sources
- New Hampshire Department of Safety Division of Motor Vehicles
- New Hampshire Insurance Department
- New Hampshire Revised Statutes Title XXI (RSA 264:2, RSA 261:153)