SR-22 Insurance New Hampshire [2020]

SR-22 car insurance in NH can cost drivers $15-$25 to file an NH SR-22 insurance form, and the average SR-22 car insurance in NH is $110/month.

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Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance...

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Reviewed byRachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 26, 2020

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Finding the best SR-22 Insurance New Hampshire can be time-consuming and difficult to navigate. We’ve created this comprehensive guide to tell you everything you need to know about finding the right SR-22 car insurance in New Hampshire. Car insurance in New Hampshire isn’t mandatory, but drivers may be required to have SR-22 insurance under certain circumstances.

What is an SR-22 and when is it needed? We go into detail about what an SR-22 in New Hampshire is, why you might need it, how to get it, and SR-22 insurance New Hampshire rates.

You can get SR-22 insurance quotes with our online quote tool to find the best SR-22 insurance rates near you.

New Hampshire Minimum Car Insurance Requirements

New Hampshire is one of the few states that does not require that a driver carry car insurance. However, if you choose not to carry insurance, you are personally responsible for damages.

Many different companies offer car insurance coverage in New Hampshire, so it’s important to shop around for the coverage that fits your specific needs.

If you do choose to carry car insurance in New Hampshire, you must meet these liability coverage minimums:

  • $25,000 for bodily injury for one person
  • $50,000 for bodily injury for multiple people
  • $25,000 for property damage

Remember, minimum liability car insurance only covers damages to property and people not in your vehicle. You may want to add additional coverages to make sure you are covered in any eventuality.

Although it is not required, most people realize the importance of having insurance anyway. That’s why only less than 10 percent of the population in New Hampshire drives without insurance.

 If you choose to carry car insurance in New Hampshire, then you must also carry medical payment and uninsured/under-insured motorist coverages.

If you choose not to carry car insurance and are in an accident, you may be required to file SR-22 insurance. Also if you have your license suspended or revoked, or have been convicted of DWI, you will have to have SR-22 insurance.

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SR-22 Insurance New Hampshire

SR-22 insurance forms are documents to verify that a person holds financial responsibility in the event of an accident. The SR-22 form proves continuous coverage is and will be maintained by the motorist for a certain amount of time.

Since New Hampshire doesn’t require auto insurance for every driver, they will notify you in writing if you require an SR-22. If you are notified, your car insurance provider will have to file a New Hampshire SR-22 auto insurance form as proof that you, the driver, is carrying auto insurance liability.

How does my driving record change my rates with car insurance companies in New Hampshire?

It should be obvious that your driving record will affect your car insurance rates. If your driving record shows you have risky behaviors like speeding, insurance companies are going to charge you more since you are more likely to be in an accident. The riskier the driving, the higher the car insurance.

Average Annual Car Insurance Rates in New Hampshire by Driving Record
CompaniesClean RecordOne Speeding ViolationOne Accident ViolationOne DUI Violation
State Farm$2,013.89$2,013.89$2,157.23$2,562.23
Liberty Mutual$5,324.37$9,084.16$9,624.42$9,874.47
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Geico is the company with the cheapest rates if you have any tickets, and Liberty Mutual is the most expensive. Poor driving habits can cost you thousands of dollars every year.

Driving safely and obeying traffic laws are easy ways to keep more money in your pocket.

Who needs SR-22 insurance in New Hampshire?

In New Hampshire, those who have been in crashes that resulted in injury, death, or property damage resulting in excess of 1 thousand dollars are required to file a New Hampshire SR-22 auto insurance form, if they did not have adequate liability coverage at the time.

Also, those who are convicted of driving while intoxicated (DWI) and/or have license suspensions or revocations will need to file. Scroll down to learn more about New Hampshire DUI laws and how they can affect your car insurance rates.

Even though car insurance isn’t required in New Hampshire, if you are in an accident and do not have car insurance, you will have to provide proof that you can cover the required amounts for property damage and bodily injury. If you can’t supply that proof, you may have to file SR-22 insurance to show that you are covered going forward.

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How much is SR-22 insurance in New Hampshire?

Filing SR-22 in New Hampshire can cost $15-$25 depending on your age, gender, driving history, and credit score. However, this fee may be tacked onto the motorist’s premium.

Does SR-22 raise your insurance? Yes, it can.

If SR-22 is required, your auto insurance provider might consider you a high-risk driver. High-risk car insurance rates run higher than low-risk driver rates, and they will be influenced by your age, gender, driving history, and credit score, too.

Take a look at this table to see the average rates of high-risk car insurance in New Hampshire:

The Average NH Monthly High-Risk Car Insurance Rates
Average Monthly High Risk Insurance RateAverage Monthly Rate with DUI/DWIAverage Monthly Rate with Speeding Violation
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Remember, these rates are just the average car insurance costs for high-risk policies in New Hampshire. Why you need an SR-22 will affect your individual car insurance price, because not every SR-22 will increase your risk and not every high-risk driver will need an SR-22.

Scroll down for more information on which driving charges will influence your insurance rates. Or enter your ZIP code now to get auto insurance quotes and find cheap SR-22 insurance.

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How long do you need an SR-22 in New Hampshire?

If you’re required to file and SR-22, coverage must be carried for a minimum of 3 years. Those on a second offense DWI will have to remain covered for 5 years. Depending on your driving record, how long you need an SR-22 may vary.

Are there different types of New Hampshire SR-22 forms?

The State of New Hampshire recognizes three types of New Hampshire SR-22 car insurance forms. Those would be the Owner Certificate, the Operator Certificate, and the Owner-Operator Certificate.

The Owner’s Certificate is meant for those who do own vehicles, the Operator’s for those who do not but still drive, and the Owner-Operator’s Certificate is intended for those who own vehicles but may drive vehicles that they do not own.

How do I file a New Hampshire SR-22 insurance form?

Your best SR-22 insurance filing option is to contact your insurance agent. New Hampshire requires that all SR-22 insurance forms be filed by an authorized insurance agency. The insurer will then file the form with the Bureau of Financial Responsibility of the Department of Safety.

Motorists must contact the insurance carrier to file the form, and this may require a small fee.

What is non owner SR-22 Insurance?

If your New Hampshire drivers license is suspended or revoked, you will need to file an SR-22 if you want it reinstated, even if you don’t actually own a car. You would file what is called non-owner SR-22 insurance in order to reinstate your driving privileges.

The New Hampshire DMV may also refer to this kind of SR-22 as an “Operator SR-22”. This kind of SR-22 insurance means you are allowed to operate a motor vehicle but aren’t allowed to own or register a motor vehicle. Your car insurance company may use different terminology than the DMV, so make sure to clarify with your local agent if you have any questions.

Will SR-22 insurance affect my New Hampshire boat trailer registration?

Depending on your insurance provider and why you need an SR-22, you might not be able to insure or register other vehicles in New Hampshire. If you are filing a non-owner SR-22, you won’t be able to register any other vehicles, including boats and boat trailers.

If you are applying for an SR-22 and you own a car and other vehicles, it will be up to your insurance provider to decide whether your risk influences your ability to insure boats and other vehicles. Contact a car insurance agent near you to find out more.

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Cheapest Car Insurance Companies in New Hampshire

Now we are going to get the part you’ve been waiting for. Which company will give you the most bang for your buck? This table shows you the eight cheapest companies in New Hampshire and their average rates.

Average Annual Car Insurance Rates in New Hampshire
CompaniesAverage Annual RatesCompared to State Average% Difference
State Farm$2,186.81-$972.18-44.46%
State Average$3,158.99$0.000.00%
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Geico has the cheapest rates for car insurance in New Hampshire, at almost half of the state average of $3,158.99. That is a huge saving every year.

USAA comes in second but is only available to the military and their family members.

Are you currently paying more or less than the state average? It is definitely worth getting quotes from multiple companies to make sure you are getting the best deal out there.

Whether you need SR-22 insurance in New Hampshire or just want to compare rates, we can help. Enter your ZIP code below to get started.



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