New Hampshire SR-22 & High-Risk Auto Insurance
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationNew 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
Minimum Coverage Requirements in New Hampshire
New Hampshire does not mandate auto insurance for all drivers, making it one of only two states without a universal coverage requirement. However, drivers who cause accidents, receive DUI convictions, commit serious violations, or fail financial responsibility tests must obtain liability coverage and typically file SR-22 proof with the New Hampshire Division of Motor Vehicles. High-risk drivers often need coverage above these minimums to avoid gaps if sued beyond policy limits.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in New Hampshire
$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
- Non-standard carrier competition: New Hampshire has fewer high-risk insurers than neighboring states, limiting price competition
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry minimum liability coverage. Required after DUI, suspensions, uninsured accidents, or point accumulation in New Hampshire.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers: multiple violations, DUIs, suspensions, or long lapses. Accepts profiles standard insurers decline.
Liability Insurance
Covers injuries and property damage you cause to others. New Hampshire's 25/50/25 minimums are among the lowest in the nation and insufficient for serious accidents.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders if your vehicle is financed or leased.
Uninsured Motorist Coverage
Pays your medical bills and repairs if hit by an uninsured driver. Optional in New Hampshire but recommended due to high uninsured driver rates.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders; optional if you own your car outright.