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

An SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have liability coverage. While the form doesn't raise your rates, the violations requiring an SR-22 can lead to higher premiums.

For New Hampshire drivers, Hanover and Progressive offer the cheapest SR-22 insurance, with annual state minimum coverage premiums averaging $283 and $411, respectively. State Farm and GEICO are the most affordable for non-owner SR-22 insurance, with yearly rates of $326 and $530, respectively.

The cheapest companies for state minimum coverage SR-22 car insurance in New Hampshire are:

• Hanover: $24 per month; $283 per year
• Progressive: $34 per month; $411 per year

The least expensive providers for full coverage car insurance SR-22 in New Hampshire are:

• Progressive: $79 per month; $950 per year
• MAPFRE: $83 per month; $998 per year

Expect to pay more for car insurance after a moving violation, as you're seen as a high risk. Still, you can find cheap SR-22 car insurance by comparing quotes from various insurers and opting for minimum coverage.

The companies with the cheapest non-owner SR-22 insurance in New Hampshire are:

• State Farm: $27 per month; $326 per year
• GEICO: $44 per month; $530 per year

Non-owner car insurance can satisfy the state minimum coverage requirements for drivers who need to file an SR-22 but don't own a car. This applies to those with a license suspension, revocation or severe traffic infractions.

An SR-22 in New Hampshire is a form that proves you have the state's minimum auto insurance. It's not insurance but a certificate your insurer or you must file. You'll need it for three years after certain violations like DUI, driving without insurance or repeat traffic offenses. If your SR-22 is canceled or lapsed, your insurer will notify the state's Public Safety Department.

An SR-22 verifies that you meet minimum car insurance requirements in New Hampshire, including:

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

Even without a car, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card can't replace an SR-22 form.

New Hampshire drivers may need to file an SR-22 after driving under the influence (DUI), driving without insurance or a major traffic violation to prove they have the minimum required auto insurance. This helps them keep their driver's license.

Your insurance company can handle the filing and must notify the state if your policy is canceled. The SR-22 requirement typically lasts for three years. Here's a list of convictions that require an SR-22:

Filing an SR-22 in New Hampshire can lead to higher insurance rates, fewer coverage options and extra fees. Worse, insurers might cancel your policy mid-term or refuse to provide coverage. Keep your insurance active, as any gap could reset the time you need an SR-22, which typically lasts three years. Understanding these consequences helps you avoid unexpected challenges and maintain minimum coverage.

Here's how an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 car insurance for drivers with a DUI in New Hampshire is $826 for minimum coverage and $1,572 for full coverage. Drivers with a clean record pay $377 for minimum coverage and $748 for full coverage. This shows a significant increase in premiums for those with a DUI.

The severity of your offense impacts your premiums. It's not the SR-22 certificate that raises your rates but the associated violations. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or could increase your rates at renewal.

Filing an SR-22 in New Hampshire is essential for drivers with certain serious violations, such as DUI or driving without minimum coverage. Not filing can lead to severe legal consequences. The mandate lasts three years and ensures compliance with state minimum coverage requirements.

Here are the steps to secure an SR-22 in New Hampshire:

If you let your SR-22 certificate lapse in New Hampshire, your driving rights will be suspended again. You need to keep minimum coverage for three years. To drive again, you need to get a new SR-22.

A DUI will increase your car insurance premiums. While a clean record might cost around $377 per year, a DUI can raise it to about $826. This is a significant jump from $31 to $69 per month.

Despite this, affordable car insurance after a DUI is available. Shopping around can help you find a more budget-friendly rate.

Finding affordable SR-22 car insurance in New Hampshire can be challenging. Here are answers to common questions about cost-effective options.