Post-SR22 Insurance in New Hampshire
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22New 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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Hampshire
New Hampshire is the only state that does not mandate auto insurance for all drivers, but SR-22 filing removes that exemption. If you needed SR-22 for a DUI, at-fault accident without insurance, or license suspension, you were required to carry 25/50/25 liability minimums continuously for the filing period, typically 3 years. Now that your SR-22 requirement has ended, you're no longer legally required to carry insurance unless you have a vehicle loan or lease, but dropping coverage entirely can trigger rate increases if you ever need to buy a policy again.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in New Hampshire
$100–$231/mo
Typical monthly rate in New Hampshire, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Violation type: DUI surcharges last 5–7 years; at-fault accidents typically 3–5 years
- Carrier type: standard carriers offer better post-SR22 rates than non-standard insurers that wrote you during filing
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Limited Driving Privilege (limited privilege license, RSA 263:57-b)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. New Hampshire's 25/50/25 minimums were mandatory during SR-22 filing but are now optional unless you finance a vehicle.
Full Coverage
Combines liability, collision, and comprehensive. Protects your vehicle and others, covering most accident and damage scenarios.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if hit by a driver without insurance. Not required in New Hampshire but highly recommended.
Comprehensive Coverage
Covers vehicle damage from non-collision events: theft, vandalism, weather, falling objects, and animal strikes.
Collision Coverage
Covers vehicle damage from accidents with other vehicles or objects, regardless of who is at fault. Required by lenders until your loan or lease is paid off.
SR-22 Insurance
SR-22 is a filing that proves continuous coverage to the DMV, not a separate insurance type. Once your filing period ended, you no longer need it, but your rates remain elevated.