Cheapest SR-22 insurance in New Hampshire

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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In New Hampshire, Auto-Owners offers the most affordable SR-22 insurance policies at $749 per year and Geico at $796 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What’s an SR-22?

An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.

You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.

Do I need to buy SR-22 insurance in New Hampshire?

As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.

Here are few offenses that might require an SR-22:

• DUI, DWI or other serious moving violations
• Reckless driving
• Accidents resulting in suspension or revocation
• Accumulation of too many driving violation points
• Driving without insurance

If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.

Average SR-22 car insurance cost in New Hampshire

The average SR-22 car insurance cost in New Hampshire is $1,015.

However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.

Cheapest SR-22 insurance companies in New Hampshire

Having an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in New Hampshire.

Note: USAA is only available to military community members and their families.

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Cheap SR-22 insurance in New Hampshire by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across New Hampshire.

SR-22 insurance requirements in New Hampshire

The New Hampshire DMV mandates all drivers in New Hampshire to have the following minimum car insurance coverage:

• $25,000for injury or death per person
• $50,000for injury or death per accident
• $25,000for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in New Hampshire cost with a DUI?

Insurance companies charge different premiums for drivers with a DUI.

Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.

Note: USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in New Hampshire

If you need an SR-22 in New Hampshire, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

• Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
• Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
• Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in New Hampshire

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in New Hampshire

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.

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

You typically need to maintain an SR-22 for three years.

In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.

The bottom line on SR-22 in New Hampshire

The average SR-22 insurance rate in New Hampshire is $1,015, while the average cost of car insurance in New Hampshire is $952. This means SR-22 insurance in New Hampshire costs $63 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

 

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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.