Cheapest SR-22 Car Insurance in New Hampshire

Hanover offers the cheapest SR-22 insurance in New Hampshire at $24 monthly for minimum coverage, 67% less than the state average. For full coverage, Progressive provides the best rate at $79.

State Farm offers the cheapest non-owner SR-22 insurance in New Hampshire at $27 monthly or $326 annually. Non-owner car insurance helps drivers who don’t own a vehicle meet state minimum coverage requirements.

The table below shows providers and average costs for minimum coverage.

The average cost of car insurance in New Hampshire for drivers with an SR-22 is $861 annually for minimum coverage, 121% higher than the $389 average for clean-record drivers.

SR-22 drivers pay an average of $1,640 annually for full coverage, a 112% increase compared to $773 for drivers with clean records.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the violation. The table below compares SR-22 insurance prices in New Hampshire for common violations across age groups.

An SR-22 is a form that proves you have car insurance meeting the state's minimum coverage. In New Hampshire, drivers with certain violations must file an SR-22 to get their license back. Insurers consider these drivers high-risk, which raises their premiums.

An SR-22, also known as an SR-22 bond or certificate of financial responsibility, isn't insurance. It's a certification your insurer files to confirm you have enough insurance to meet New Hampshire's reinstatement requirements.

New Hampshire requires an SR-22 after serious traffic violations to prove compliance with minimum coverage laws. Key requirements include:

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

In New Hampshire, SR-22 certificates must be held for three years.

Along with using an SR-22 for three years to comply with New Hampshire's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of New Hampshire during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tougher than for drivers with clean records. Insurers might cancel your policy or deny coverage when you file.

High-risk drivers in New Hampshire may find fewer companies offering coverage, often resulting in higher premiums and limited choices. When obtaining an SR-22 insurance quote, check with your insurer for the exact fee if it's your first time filing. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers frequent drivers without a car, protecting you when driving someone else's vehicle. It's ideal for those who rent cars or drive for rideshare services, covering third-party injuries or property damage if you're at fault.

This type of insurance is often cheaper than standard policies. To find affordable rates, compare quotes from different insurers. Once you purchase a non-owner policy, your provider can file an SR-22 form, helping you comply with state law and reinstate your license after three years.

In New Hampshire, serious driving offenses require filing an SR-22 to prove you have state minimum coverage. You'll need this for three years for severe or repeated offenses. While SR-22 rates are higher, comparing quotes from cheap car insurance providers in New Hampshire helps save money.

Below are frequently asked questions about SR-22 certifications in New Hampshire:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for New Hampshire drivers with various profiles and needs.

New Hampshire Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on New Hampshire's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.