New Hampshire Auto Insurance After License Reinstatement
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 liability system, meaning the at-fault driver's insurance pays for damages — but New Hampshire is also the only state that does not mandate auto insurance for all drivers. If you've had your license suspended and are now in the reinstatement process, the New Hampshire Division of Motor Vehicles will require proof of financial responsibility, typically through SR-22 filing, for 3 years following suspension for most violations including DUI, driving without insurance, or accumulating excessive points. The New Hampshire Department of Safety processes reinstatement applications, and you must have SR-22 coverage active before your driving privileges are restored.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in New Hampshire
$100–$231/mo
Typical monthly rate in New Hampshire, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Non-standard carriers dominate the post-reinstatement market — Progressive, GEICO, and The General write most SR-22 policies in New Hampshire, while State Farm and Liberty Mutual rarely accept drivers during the filing period.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf 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 does SR-22 filing last in New Hampshire after license reinstatement?
New Hampshire requires SR-22 filing for 3 years after most suspensions, measured from your reinstatement date, not the original suspension date. If your license was suspended for DUI, the New Hampshire Department of Safety mandates 3 years of continuous SR-22 — if you let your policy lapse even once during that period, the DMV suspends your license again immediately and the 3-year clock restarts from your next reinstatement.
Can I get standard auto insurance after SR-22 in New Hampshire?
Most standard carriers in New Hampshire won't quote you until 6-12 months after your SR-22 filing period ends. During the 3-year SR-22 period, you're limited to non-standard carriers like Progressive, GEICO non-standard division, or The General. Even after the filing ends, expect elevated premiums for 2-3 additional years — DUI surcharges typically last 5 years total from the conviction date.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 is the DMV filing that proves you carry liability insurance continuously. Most New Hampshire suspensions require 3 years of SR-22 from reinstatement date.
Non-Owner SR-22 Insurance
Liability-only policy for drivers without a vehicle. Satisfies SR-22 requirements and covers you when borrowing or renting a car.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers. Different underwriting rules, higher rates, and more restrictive terms than standard market.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage.
Full Coverage After Reinstatement
Liability, collision, comprehensive, and uninsured motorist bundled. Required if you finance or lease a vehicle.