If you need an SR-22 for auto insurance in New Hampshire, you aren't alone. This relatively standard legal requirement is prompted by driving violation such as a DUI, a ticket for driving without insurance, a collision causing substantial property damage, a ticket for driving with a suspended license, or collecting too many points on your license.
Finding cheap insurance with an SR-22 in New Hampshire might not be easy, but the savings are worth the trouble. We analyzed how much a New Hampshire SR-22 usually costs and how to get one — let's take a look.
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How much is New Hampshire SR-22 insurance?
Insurance with an SR-22 in New Hampshire can be costly. This isn't because obtaining the SR-22 certificate is expensive — filing fees usually total $15 to $35 — but thanks to the insurance premium increases caused by the driving violation that prompted the SR-22 requirement in the first place.
Insurance companies charge high-risk drivers higher rates to account for the increased risk of a claim payout. The price increase you will receive depends on the number and severity of your violations — listed below are average car insurance prices after an SR-22 in New Hampshire.
NEW HAMPSHIRE INSURANCE PREMIUMS BY VIOLATION
|High-risk rating factor||Average yearly rate||Increase vs. no violations|
|At-fault accident (>$2,000)||$1,933.00||$850.19|
|Speeding (21-25 mph > limit)||$1,367.71||$284.90|
|Hit and run||$2,113.11||$1,030.30|
If you're trying to find reasonably priced auto insurance after obtaining a SR-22, we're here to help. Enter your ZIP code to find personalized auto insurance rates from respected companies.
Requesting an SR-22 in New Hampshire
Currently insured:If you already have car insurance, requesting an SR-22 is easy. Just call your insurance company and request it file a SR-22 request on your behalf. If your insurance company isn’t willing to file for an SR-22, you’ll need to shop for a new policy with a new insurance company.
For uninsured drivers:When filing for car insurance, you might face an additional fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.
For non-owners:Not owning a vehicle makes it tougher to get an SR-22, as you will need to furnish proof of insurance to get the certificate. If you don't own a car, you should apply for a non-owners car insurance policy before pursuing an SR-22. Non-owners car insurance is often less pricey than standard coverage since it doesn't protect against physical damages to your vehicle.
Between September and December 2017, we performed car insurance price analysis using its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra analyzed nearly 53 million rates to explore trends for specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.