Cheap SR-22 Insurance in New Hampshire From $78
The average cost of insurance for drivers with a DUI — who will need to file an SR-22 form — is $78 per month for liability and $133 for full coverage.
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If you commit a serious traffic offense in New Hampshire, like driving under the influence (DUI) or reckless driving, you may need SR-22 insurance. Put simply, SR-22 insurance is a form your insurer files with the state to prove you have car insurance.
Here’s what you need to know about finding cheap car insurance, including SR-22 coverage, in New Hampshire.
Cheapest companies for SR-22 insurance in New Hampshire
Car insurance rates for drivers who need SR-22 documentation are higher than for people with a clean driving record. The following insurance companies offer the most affordable auto insurance coverage for drivers with an SR-22 in New Hampshire.
What is SR-22 insurance in New Hampshire?
Even though New Hampshire is the only state that doesn’t mandate car insurance for drivers, it does require SR-22 insurance for high-risk drivers. When an auto insurer files an SR-22 certificate with the state, this proves a high-risk driver has insurance.1
Depending on your car insurance company, the need for an SR-22 may lead to higher premiums or even the termination of your coverage. If this occurs, you should find a new insurer that will cover you and file an SR-22 on your behalf.
Difference between SR-22 and FR-44
Florida and Virginia are the only U.S. states that may require high-risk drivers to file an FR-44 form instead of an SR-22. The filing process is similar, but an FR-44 includes more comprehensive car insurance coverage. In Virginia, drivers must file an FR-44 form to verify that their insurance is double the minimum requirements for the state.
When you need SR-22 insurance
Although New Hampshire doesn’t have a car insurance requirement for drivers, the state does require high-risk drivers to obtain an SR-22 certificate in the following situations:
Any DUI or DWI charge: Driving under the influence is risky for you and other drivers. That’s why the state may require you to file an SR-22 form after you get a DWI or DUI conviction, even if it’s your first offense.
Fleeing the scene of an accident: New Hampshire requires drivers to stop at the scene of a car accident and assess property damage and injuries, as long as it’s safe to do so. If you drive away, you might face an SR-22 requirement.
Having two reckless driving offenses: If you receive two traffic violations in a short period of time, you may need to obtain an SR-22 certification. This might be the case even if they’re relatively minor, like speeding tickets.
How to get SR-22 insurance in New Hampshire
Here’s how to obtain an SR-22 certificate in New Hampshire:
How long does New Hampshire require SR-22 insurance?
In the state of New Hampshire, you’ll have to maintain your SR-22 filing and show proof of liability insurance for at least three years from the date of your conviction. If you have a more serious offense, the state may require an SR-22 for a longer period of time.
Keep in mind that your current insurance company might not offer SR-22s, and if they do, you might have to settle for higher rates. That’s why it’s a good idea to shop around and compare all your options.2
How SR-22 insurance affects driving record and future rates in New Hampshire
Car insurance companies consider drivers with SR-22 to be high-risk, which means an SR-22 form may increase your insurance premiums. These rates may remain higher even after you fulfill your SR-22 requirement.
The good news is you can improve your driving record and save money on car insurance in several ways, even while you have an SR-22. Consider the following opportunities to save:3
Comply with your SR-22 insurance certificate. It’s your personal responsibility to meet every SR-22 insurance requirement. As a driver in New Hampshire, you’ll need it on file for at least three years and must maintain the minimum liability criteria.
Avoid future traffic violations. The more traffic violations you have, the higher your car insurance rates may be. You might want to enroll in a defensive driving course so you can reduce the risk of additional violations and potentially secure a discount.
Look for discounts. Most auto insurance companies offer discounts that can lead to the best deal on car insurance coverage. Common discounts include bundling discounts, multi-policy discounts, and loyalty discounts.
Maintain good credit. In New Hampshire, car insurers can consider your credit-based insurance score when they determine your insurance policy rates. Since better credit can lead to cheaper coverage and lower car insurance costs, it may be worthwhile to improve your credit.