New Hampshire DUI SR-22 Insurance: Costs & Carriers
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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Hampshire
New Hampshire operates under a tort-based liability system and requires all drivers to carry proof of financial responsibility after a DUI conviction or license suspension. The New Hampshire Department of Safety mandates SR-22 filing, which is a certificate your insurer files directly with the state to verify continuous coverage. New Hampshire also enforces strict reinstatement timelines — miss a payment and your insurer cancels the SR-22 immediately, restarting your filing period.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate Filing
Uninsured Motorist Coverage
What Drivers Pay in New Hampshire
$231–$235/mo
Typical monthly rate in New Hampshire, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Non-standard carrier availability in New Hampshire varies by county — rural areas outside Manchester and Nashua may have fewer carriers willing to write new SR-22 policies, limiting rate competition.
- Multi-policy bundling is rarely available in the non-standard market — most carriers that write SR-22 after DUI do not offer homeowners or renters policies, eliminating the discount most standard-market drivers receive.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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
Frequently Asked Questions
How long do I need SR-22 in New Hampshire after a DUI?
New Hampshire requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date in most cases. If your license was suspended before conviction, the 3-year period may start from your reinstatement date — confirm the exact start date with the New Hampshire Department of Safety before purchasing coverage. If you cancel your policy or miss a payment during the 3-year period, your insurer files an SR-26 cancellation notice and the state suspends your license within 10 days, restarting the entire filing period.
What happens if I move out of New Hampshire during my SR-22 filing period?
Your New Hampshire SR-22 filing obligation follows you to your new state, but the receiving state may require a different filing type or different minimums. Florida and Virginia require FR-44 instead of SR-22, which has higher liability limits and costs more. Coordinate the transfer with your insurer before you move — if the New Hampshire SR-22 cancels before your new state's filing is active, both states suspend your license and you restart the filing period from zero.
What is the difference between SR-22 and FR-44 in New Hampshire?
New Hampshire requires SR-22 filing, not FR-44. FR-44 applies only to Florida and Virginia DUI convictions and requires higher liability limits than SR-22 — 100/300/50 instead of 25/50/25. If you move from New Hampshire to Florida or Virginia during your filing period, you must upgrade to FR-44 and pay higher premiums to meet the new state's requirement.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your insurer files with the New Hampshire Department of Safety proving you carry continuous liability coverage. The filing itself costs $25–$50, but the underlying insurance premium increases 80–150% after DUI conviction.
Non-Owner SR-22
Non-owner SR-22 policies provide liability coverage and SR-22 filing for drivers who do not own a vehicle but need to meet New Hampshire's post-DUI filing requirement. This applies to drivers using public transit, rideshare, or borrowing vehicles.
Liability Insurance
Liability insurance pays damage you cause to others in an at-fault accident. New Hampshire requires 25/50/25 minimums, but these limits are exhausted quickly in serious accidents — raising limits to 100/300/50 costs $20–$40/mo more and protects your wages and assets.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. New Hampshire insurers must offer this at policy inception — if you do not reject it in writing, it is added automatically.
Full Coverage
Full coverage combines liability, collision, and comprehensive insurance with SR-22 filing. Required if you finance or lease your vehicle, and protects your own car after an at-fault accident, theft, weather damage, or vandalism.