Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in New Hampshire Cheapest SR-22 insurance in New Hampshire The cheapest SR-22 insurance policies in New Hampshire are offered by Auto-Owners, at $749 a year, and GEICO, at $796 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele 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. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In New Hampshire, the cheapest SR-22 insurance options are offered by Auto-Owners at $749 per year and GEICO at $796 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility 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. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs. Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.What is an SR-22?An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.Key TakeawaysThe average cost of SR-22 car insurance in New Hampshire is $1,015.Auto-Owners offers the most affordable SR-22 insurance policies in New Hampshire at $749 per yearAn SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm you have the required minimum coverage.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 violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf 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 HampshireThe average SR-22 car insurance cost in New Hampshire is $1,015. The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.Cheapest SR-22 insurance companies in New HampshireInsurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in New Hampshire.CompanyAverage annual premiumAverage monthly premiumAuto-Owners$749 $62 GEICO$796 $66 Nationwide$884 $74 State Farm$988 $82 Progressive$1,014 $85 Auto Club Enterprises (AAA)$1,148 $96 Allstate$1,786 $149 USAA*$753 $63 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in New HampshireNew Hampshire car insurance calculatorNon-owner auto insurance in New Hampshire: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in New Hampshire Cheap SR-22 insurance in New Hampshire by cityAs mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in New Hampshire.CityAverage annual premiumLebanon$686 Claremont$703 Laconia$720 Somersworth$738 Concord$741 Rochester$743 Franklin$769 Nashua$775 Manchester$803 Berlin$813 SR-22 insurance requirements in New HampshireThe New Hampshire DMV mandates all drivers in New Hampshire to have the following minimum car insurance coverage:$25,000 for injury or death per person$50,000 for injury or death per accident$25,000 for property damage per accidentThese 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?Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyProgressive$1,171 $1,014 Auto-Owners$1,303 $749 State Farm$1,616 $988 GEICO$1,792 $796 Nationwide$1,927 $884 Allstate$2,104 $1,786 Auto Club Enterprises (AAA)$2,168 $1,148 USAA*$1,231 $753 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in New HampshireIf you have an SR-22 in New Hampshire, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies might even specialize in high-risk drivers and be able to offer you better SR-22 rates.Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, New Hampshire, recommends the following:Shopping 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: If possible, 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 want to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.Non-owner SR-22 insurance in New HampshireAnother term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance. 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 on your record, the state will require you to prove that 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 who has experience with traffic laws.How long do you need SR-22 insurance in New Hampshire?You usually need to keep an SR-22 for three years.During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.The bottom line on SR-22 in New HampshireNew Hampshire’s average SR-22 insurance rate is $1,015, compared to the overall average car insurance cost in New Hampshire, which is $952. That means New Hampshire’s SR-22 rate is $63 more per year.But remember that there are a lot of factors that can affect 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 MethodologySources:Shouse Law Group. “SR22 New Hampshire.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.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. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing Researcher | . .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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in New Hampshire?Average SR-22 car insurance cost in New HampshireCheapest SR-22 insurance companies in New HampshireCheap SR-22 insurance in New Hampshire by citySR-22 insurance requirements in New HampshireHow much does SR-22 in New Hampshire cost with a DUI?How to get the cheapest SR-22 insurance in New HampshireNon-owner SR-22 insurance in New HampshireWho needs SR-22 insurance?How long do you need SR-22 insurance in New Hampshire?The bottom line on SR-22 in New HampshireWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330