Car Insurance with an SR-22 in New Hampshire

If you need an SR-22 certificate to acquire car insurance in New Hampshire, you're not the only one. This relatively common insurance requirement is sometimes requested after a driving violation like a DUI, a citation for driving without proof of insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or accuring excessivepoints on your license.

Finding affordable insurance with a SR-22 certificate in New Hampshire might require some effort, but it could pay off. The Zebra assessed how much money a SR-22 typically costs in New Hampshire and how to request one — let's look at the details.


How much does New Hampshire SR-22 insurance cost?

SR-22 insurance in New Hampshire will probably be expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees could be as cheap as $15 to $35 — but a product of the insurance rate increases from the driving violation that necessitated the SR-22 in the first place.

Auto insurance companies charge higher-risk clients steeper rates to account for the increased likelihood of having to pay out a claim after a collision. The rate hike you will receive depends on the number and severity of your citations — below are average car insurance premiums after an SR-22 in New Hampshire.


NEW HAMPSHIRE INSURANCE RATES AFTER COMMON VIOLATIONS
High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$1,037
At-fault accident (>$2,000)$1,547$509
Speeding (21-25 mph > limit)$1,391$354
Reckless driving$1,757$720
Racing$2,075$1,038
Hit-and-run$1,929$892
DWI$1,822$785

If you’re looking for affordable car insurance with a SR-22, The Zebra is here to help. Enter your ZIP below to find personalized auto insurance quotes from respected companies.


How to get an SR-22 in New Hampshire


If you have auto insurance

If you currently have auto insurance, obtaining an SR-22 certificate is relatively simple. Phone your insurance company and request that the company file a SR-22 request for you. If your current car insurance company isn’t willing to request an SR-22 certificate, you should look for a new auto insurance company.

If you're uninsured

When applying for auto insurance, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from getting coverage from some companies, while others may happily sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to get an SR-22, as you'll need proof of insurance to obtain the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before requesting a certificate. Non-owners car insurance is typically cheaper than traditional coverage since it doesn't protect against physical damage to your car.

Our methodology

The Zebra conducted auto insurance rate analysis through its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra examined almost 53 million rates to examine trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on auto insurance rates.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.