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How Much is SR22 Insurance in New Hampshire

SR22 Insurance in NH: Up-Dated 12/15/2022: USAA is the cheapest company for SR22 in NH with an average annual rate of $360.

How Much is SR22 Insurance in New Hampshire

Are you looking to find out how much is SR22 insurance in New Hampshire? We know how difficult it can be to find a plan that fits your needs and budget. That’s why we want to create an article that can help you to find out more about SR22 Insurance coverage in New Hampshire.

For one thing you should know, NH is a state that requires SR22 insurance if your license is suspended due to a DUI conviction.

New Hampshire SR22 Insurance

A convicted driver may be required to have an SR-22 certificate with their insurance in New Hampshire if they are found guilty of a DUI or DWI. SR-22s are not insurance, but rather serve as evidence that you have the minimum amount of coverage required by New Hampshire state law.

New Hampshire SR22 insurance is designed to protect you and your property from loss or damage caused by someone who does not have proper liability insurance.

If you are injured in a New Hampshire car accident, your Car Accident Attorney may be able to get you benefits under the state’s SR22 insurance law. Benefits available include money to cover medical expenses and lost wages.

Who Needs SR22 Insurance in New Hampshire

There are many reasons someone would need SR-22 insurance in New Hampshire.

While vehicle insurance is not necessary for all drivers in NH, a NH Resident may be forced to provide proof of financial responsibility or take out a NH SR22 insurance policy at times.

If they did not have sufficient liability coverage at the time, those who have been in accidents in New Hampshire that resulted in injury, death, or property loss valued over one thousand dollars must file a NH SR-22 automobile insurance form.

In addition, those who have license suspensions or revocations or have been convicted of driving while intoxicated (DWI) must file. Read more about New Hampshire DUI laws and how they might impact your car insurance premiums if you scroll down.

If you are involved in an accident and do not have automobile insurance, you will have to show that you can cover the necessary amounts for damage to property and bodily injury. You may have to file SR-22 insurance in NH if you can’t provide the evidence, which will demonstrate that you are covered going forward.

In New Hampshire, you may be required to possess SR-22 insurance for the following reasons, according to the New Hampshire DMV:

  • Reckless Driving Conviction
  • Excessive Demerit Points on your license
  • DWI – (1st, 2nd, Subsequent, and Aggravated) and Underage DWI (also called DUI in NH)
  • Driving after License Revocation
  • Convicted of Leaving Scene of Accident

How to Get an SR22 Insurance in New Hampshire

Getting SR-22 Insurance in New Hampshire is very easy, it’s like applying for car insurance. You can contact an auto insurance agent who specializes in NH state liability or you can even contact the insurance company directly. One of the advantages of working with an auto company is being able to offer a Form SR22.

Only a licensed insurance provider in New Hampshire may file and submit the SR-22 insurance form. Contact your preferred insurance company and let them know about your SR-22 requirements before applying for it. Your SR-22 will be filed with the New Hampshire DMV by your provider after you fill it out.

It’s preferable to find a different company that does SR-22 coverage if your current car insurance provider doesn’t provide it. It’s a good idea to compare prices with a new policy before your company offers to work with you after you’ve applied for an SR-22. In this manner, if you’re dissatisfied with your current coverage, you’ll be able to learn what else is available.

Cost of SR22 Insurance in New Hampshire

It’s hardly a surprise that raising your auto insurance rates will correlate with the installation of an SR-22. Your premium will be higher if the insurer perceives a higher risk. Moreover, to register with their Department of Motor Vehicles, drivers who are required to have an SR-22 form will be charged filing fees. Depending on your age, gender, driving history, and credit rating in New Hampshire, the associated costs for filing an SR-22 may vary from $15 to $25.

New Hampshire average annual car insurance cost is $850, according to the Insurance Information Institute. Policyholders may anticipate their rate to climb to $1,752 after just one DUI/DWI. Driving safely and responsibly in the first place is the best way to avoid the costs associated with getting an SR-22 in New Hampshire.

SR22 Insurance in New Hampshire costs an average

If the SR-form is filed as a result of a DUI, the lowest annual SR-22 insurance cost in New Hampshire is $780. A regular automobile insurance plan, on the other hand, costs $409 per year. In New Hampshire, there are several ways to get low-cost SR-22 insurance.

Cheap SR22 Insurance New Hampshire

Cheap SR22 Insurance New Hampshire
Cheap SR22 Insurance New Hampshire

With premiums totaling $251 per year, USAA is the cheapest SR22 insurance provider in New Hampshire. Because of the increased risk associated with having an SR-22, drivers pay more for coverage than those who drive a typical policy. In New Hampshire, the average rate hike is 19%.

How to Find the Best Cheap SR22 Insurance in New Hampshire

Tips for Getting Cheap SR22 Insurance in New Hampshire

  • By examining the New Hampshire minimum standards, you may discover how much insurance you really require.
  • If you need to drive but do not own a vehicle, consider a non-owner SR-22 certificate.
  • Continue to check your insurer’s rates every year to make sure you’re getting the lowest price.

It’s possible that no one will agree to insure you because you can’t find a willing company. If that happens, many states offer programs that match high-risk drivers with collaborating insurers, so you may be able to get car insurance through your state. The premiums will almost certainly be very high, therefore this should only be done as a last resort.

Cheapest Companies for SR22 Insurance in New Hampshire

Company Average Annual Rate
USAA $360
Progressive $409
Allstate $675
GEICO $839
State Farm $907
Amica Mutual $967
MetLife $1,063
Nationwide $1,159

New Hampshire Non-Owner SR22 Insurance

Financial responsibility is shown in the NH Non-Owner’s SR22 certificate. The NH Sr22 is a type of insurance that protects a driver’s license in layman’s terms. The NH DMV may force a person to obtain a NH SR22 Certificate if they have had a DWI, fled the site of an accident, had an accident without insurance, or have amassed too many demerit points.

For someone who wants to get their NH Driver’s License back or keep it, the NH Non-Owner’s SR22 Insurance Certificate (which is also known as an “Operator’s Certificate”) is frequently the first step. The SR22 is a document issued by an insurer to the NH state DMV that states “this individual has provided evidence of financial responsibility” or “this individual has insurance.”

If you don’t own a car, the Non-Owner’s Certificate is acceptable. They may drive any vehicle that they have authorization to drive. This is a good option for someone who does not currently have a vehicle insured and registered in his/her own name but needs a driver’s license.

We can change or update from an Operators (non Owners) NH Sr22 to one of the other common types of NH SR22 certificates, as described below, for most of the insurers that we represent:

  • NH SR22 Owner’s Certificate
  • NH SR-22 Owner’s Operators Certificate

How do you get non-owner SR-22 insurance in New Hampshire

By buying a non-owner car SR22 insurance in New Hampshire policy and requesting your insurer to file an SR-22 on your behalf, you may purchase non-owner SR-22 insurance in New Hampshire. Since they do not have regular access to a vehicle, New Hampshire motorists can fulfill their SR-22 requirement and maintain automobile insurance coverage with non-owner SR22 insurance New Hampshire. Even if another member of your family owns a car that isn’t registered in your name, most insurers will refuse to sell you a non-owner policy.

SR-22 is not a form of insurance, to be clear. Instead, it’s an insurance company’s paperwork with the state to show that a driver has enough insurance to operate legally. After a conviction for a serious offense like DUI, or if they have a history of moving violations, drivers are frequently required to file an SR-22.

When purchasing non-owner SR-22 insurance in New Hampshire, it’s necessary to get quotes from numerous insurers in order to compare costs. Non-owner car insurance rates will change depending on the insurer and variables like the policyholder age and driving record, just as they would with any other kind of auto insurance policy.

The Average Cost of Non-Owner SR22 Car Insurance in New Hampshire

Cheapest Companies for Non-Owner SR22 Insurance in New Hampshire
Cheapest Companies for Non-Owner SR22 Insurance in New Hampshire

In New Hampshire, a non-owner vehicle insurance policy costs $448 per year on average. Although it is only accessible to military personnel and their families, USAA provides the cheapest SR-22 non-owner insurance in New Hampshire at $200 per year on average. With annual average costs of $220, GEICO is the cheapest.

Cheapest Companies for Non-Owner SR22 Insurance in New Hampshire

Company Average Annual Rate
USAA $200
GEICO $220
State Farm $268
Progressive $328
Nationwide $696
MetLife $974

When to Renew your SR22 Insurance New Hampshire

Your insurance firm must submit a New Hampshire SR22 certificate to the DMV to verify that you have met the state’s minimum liability standards for the next three years in order to restore your driving rights following a DWI conviction.

Frequently Asked Questions

How much is SR22 Insurance in NH?

Filing an SR-22 in NH is inexpensive, with a typical cost of less than $50 per provider. The additional insurance charges that a driver with an SR-22 is forced to pay, however, are really seen in the $2,008 average annual rate.

How much is SR22 insurance in New Hampshire per month?

The higher premiums you are obligated to pay as part of your insurance policy are to be paid in a way agreed upon between you and your insurer, even if the SR-22 application fee is a one-time fee. The average cost in New Hampshire is $55 per month, which varies depending on the provider.

How much does SR22 Insurance cost in New Hampshire?

SR-22 is a certificate issued to motorists who have met the state’s minimum motor insurance requirements rather than insurance. Depending on your age, gender, driving history, and credit score, the average cost to file an SR22 insurance in New Hampshire ranges between $850 per year. The type of violation, the number of comparable previous violations, and the severity of the violation all influence your monthly premium.

How long do I need an SR22 in New Hampshire?

Coverage must be maintained for a minimum of three years if you’re required to file an SR-22. DWI offenders on a second offense will have to wear the device for at least five years. The length of time you’ll need an SR-22 will depend on your driving history.

Individuals who have been convicted of driving while intoxicated or found at-fault for an uninsured car are generally required to maintain proof of insurance with an SR-22 form for at least three years from the date of their conviction or accident. Individuals with a more minor or greater SR-22 obligation based on the seriousness of their crime and driving history may have a sooner or later term at administrative hearings for particular crimes.

Final Verdict

In comparison to other states, New Hampshire has a very particular perspective on safety law. New Hampshire has a relatively permissive system when it comes to safety regulations, as you may have seen in some of our guides. In comparison to other states, New Hampshire has relatively low average insurance rates.

SR22 Insurance by State

Alabama Louisiana Ohio
Alaska Maine Oklahoma
Arizona Maryland Oregon
Arkansas Massachusetts Pennsylvania
California Michigan Rhode Island
Colorado Minnesota South Carolina
Connecticut Mississippi South Dakota
Delaware Missouri Tennessee
Florida Montana Texas
Georgia Nebraska Utah
Hawaii Nevada Vermont
Idaho New Hampshire Virginia
Illinois New Jersey Washington
Indiana New Mexico Washington D.C
Iowa New York West Virginia
Kansas North Carolina Wisconsin
Kentucky North Dakota Wyoming