New Hampshire SR-22 & High-Risk Auto Insurance
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
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New Hampshire at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
For high-risk drivers, SR-22 filing becomes mandatory after a DUI conviction, license suspension for point accumulation (12 points in 12 months), driving uninsured, or certain serious violations.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$167–$195/mo
Typical monthly rate in New Hampshire, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Coverage gaps: any lapse in coverage during SR-22 period restarts the 3-year clock and increases rates further
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in New Hampshire?
SR-22 filing is required for 3 years in New Hampshire from the date of license reinstatement or conviction, depending on the triggering offense. The requirement does not appear on your driving record permanently—it is a temporary proof-of-insurance obligation that expires after the 3-year period if no lapses occur. However, the underlying violation (DUI, suspension) remains on your record for 3–10 years and continues to affect insurance rates even after SR-22 filing ends.
Do I need SR-22 for a speeding ticket in New Hampshire?
No, speeding tickets alone do not trigger SR-22 requirements in New Hampshire. SR-22 is required for DUI convictions, license suspensions (typically after accumulating 12 points in 12 months), uninsured driving violations, and certain serious offenses. A speeding ticket will add points to your record (3–6 points depending on speed) and increase insurance rates, but will not require SR-22 filing unless it causes your license to be suspended.
How many points suspend your license in New Hampshire?
Your license is suspended in New Hampshire if you accumulate 12 points within a 12-month period. Points range from 1 point for minor violations to 6 points for serious offenses like speeding 25+ mph over the limit or reckless driving. After suspension, you must complete the suspension period, pay reinstatement fees, and file SR-22 for 3 years to regain driving privileges.
What happens if my SR-22 lapses in New Hampshire?
If your insurance policy lapses or is cancelled during the SR-22 requirement period, your insurer must notify the New Hampshire DMV within 10 days. Your license will be suspended immediately, and you must obtain new coverage, refile SR-22, and pay reinstatement fees to restore driving privileges. The 3-year SR-22 requirement period typically restarts from the date of the lapse.
How long do points stay on your license in New Hampshire?
Points remain on your New Hampshire driving record for 3 years from the date of conviction. After 3 years, the points are removed and no longer count toward the 12-point suspension threshold. However, the underlying violation conviction remains on your record and may continue to affect insurance rates for 3–5 years depending on the severity and your insurer's underwriting guidelines.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. New Hampshire's $25,000/$50,000/$25,000 minimums are low for drivers with prior violations—one additional at-fault accident can expose personal assets to lawsuit risk.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to prove continuous coverage. Required for DUI, suspended license reinstatement, and uninsured driving violations in New Hampshire.
Full Coverage
Combines liability, collision, and comprehensive into one policy. Required by lenders if you finance a vehicle, and strongly recommended for high-risk drivers maintaining SR-22 filing to avoid coverage gaps.
Non-Standard Auto Insurance
Specialty coverage for drivers with DUIs, suspensions, or multiple violations. Non-standard carriers accept higher-risk profiles and provide SR-22 filing services as part of the policy.
Uninsured Motorist Coverage
Pays for your injuries and damage if hit by a driver without insurance. Not required in New Hampshire, but uninsured driver rates are higher than in mandatory insurance states.
Collision Coverage
Covers damage to your vehicle from accidents, regardless of fault. Required by lenders and recommended for high-risk drivers with financed or leased vehicles to avoid out-of-pocket replacement costs.