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New Hampshire DUI & License Suspension Insurance Guide

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

Minimum Coverage Requirements in New Hampshire

After a DUI conviction or serious violation in New Hampshire, most insurers will issue a non-renewal notice at your next policy period—not an immediate cancellation. The New Hampshire Division of Motor Vehicles typically requires drivers with certain violations to carry SR-22 certification for up to 3 years. During this period, you must maintain continuous liability coverage at state minimum limits or higher, and any lapse triggers license suspension and restarts the filing clock.

SR-22 Certificate Filing

SR-22 is not a type of insurance—it is a certificate your insurer files with the New Hampshire DMV proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing, so you may need to switch to a non-standard insurer.

Liability Insurance

This is the minimum—many drivers with violations carry higher limits to avoid additional financial exposure.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies cost more than standard coverage but are often your only option after a major violation. Not all standard carriers will insure you during the SR-22 period.

High-Risk Auto Insurance

High-risk auto insurance is designed for drivers classified as high-risk due to DUIs, multiple violations, or license suspensions. Rates reflect your elevated risk profile and typically decrease gradually over 3-5 years as violations age off your record, provided you maintain continuous coverage without additional incidents.

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

  • Type of violation (DUI carries higher surcharges than speeding)
  • Time since violation (rates decrease as violations age beyond 3 years)
  • Prior driving record before the violation
  • Availability of non-standard carriers in your New Hampshire county
  • Whether you maintain continuous coverage without lapses
  • Vehicle type and replacement value for comprehensive/collision coverage
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Coverage Types

High-Risk Auto Insurance

Specialized coverage for drivers with DUIs, multiple violations, or license suspensions. Rates are elevated but decrease over time with clean driving. Most standard carriers will not accept high-risk applicants.

Non-Standard Auto Insurance

Policies from carriers specializing in drivers standard insurers decline. Coverage is often identical to standard policies, but underwriting standards and pricing reflect elevated risk profiles.

SR-22 Insurance

Not a separate policy—SR-22 is a certificate your insurer files with the DMV proving you carry required coverage. The filing itself costs $15-$50, but the underlying policy is rated as high-risk.

Liability Insurance

Coverage for injuries and property damage you cause to others. Required at 25/50/25 minimums during SR-22 period, though higher limits are strongly recommended given your elevated accident risk.

Find Your City in New Hampshire

Manchester

urban

Nashua

suburban

Concord

suburban

Derry

suburban

Dover

suburban

Rochester

suburban

Keene

urban

Portsmouth

urban