New Hampshire SR-22 & High-Risk Auto Insurance
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseNew 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, but requires proof of financial responsibility after violations. Drivers involved in uninsured accidents, convicted of DUI, or with suspended licenses must file SR-22 and maintain continuous coverage. The state requires minimum liability limits of 25/50/25 when SR-22 or proof of financial responsibility is triggered. High-risk drivers typically need coverage above these minimums to satisfy reinstatement requirements and protect against judgment liability.
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
- Number of points on license — 6+ points in 12 months typically moves drivers to non-standard carriers
- Non-standard carrier availability — New Hampshire has fewer SR-22 carriers than neighboring states, limiting rate competition
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required when SR-22 is triggered or after certain violations in New Hampshire.
SR-22 Insurance
State-required proof of coverage filed by your insurer to the New Hampshire DMV. Not a policy itself, but a certificate attached to your liability policy.
Non-Standard Auto Insurance
Specialized policies for drivers declined by standard insurers due to DUI, suspensions, multiple violations, or lapses.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if hit by a driver with no insurance. Optional in New Hampshire.
Full Coverage
Liability plus comprehensive and collision. Protects your vehicle and covers damage you cause to others.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to deductible.