New Hampshire DUI & Violation Insurance Guide
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversNew 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
Vision test
Required at license renewal; no separate rule by age
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Hampshire
Your current insurance carrier will not cancel your policy immediately after a DUI or serious violation in New Hampshire — but they will almost certainly non-renew it when your current term expires, giving you 30 to 90 days to find replacement coverage. The New Hampshire Department of Safety typically requires drivers convicted of DUI, driving after suspension, or reckless driving to file an SR-22 certificate proving continuous liability coverage for 3 years. You must secure non-standard auto insurance that offers SR-22 filing before your current policy ends, or you will face an extended license suspension and additional reinstatement fees.
SR-22 Certificate Filing
Non-Standard Auto Insurance
Liability Coverage
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in New Hampshire
$114–$128/mo
Typical monthly rate in New Hampshire, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Age and prior record: senior drivers with no prior violations typically see smaller increases than younger drivers with multiple offenses
- Time since violation: rates begin to decrease 3–5 years after the conviction date, with the steepest declines after SR-22 filing ends
- Carrier availability: New Hampshire has fewer non-standard carriers than neighboring Massachusetts, limiting competition and keeping rates higher
- Credit-based insurance score: New Hampshire allows insurers to use credit in underwriting, and a violation combined with poor credit compounds rate increases
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Insurance for drivers with DUIs, suspensions, or multiple violations on their record. High-risk policies cost significantly more than standard coverage but are often the only option immediately after a serious violation.
Non-Standard Auto Insurance
Coverage sold by carriers that specialize in drivers with imperfect records. These policies typically include SR-22 filing and higher liability limits than state minimums.
SR-22 Insurance
A certificate filed by your insurer proving you carry continuous liability coverage as required by the state. The filing itself costs $25–$50, but the underlying policy premium increases substantially.
Liability Insurance
Covers damages you cause to others in an at-fault accident. Required at 25/50/25 minimums if you are ordered to file SR-22 in New Hampshire.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient coverage. Critical in New Hampshire, where a significant portion of drivers are uninsured.
Medical Payments Coverage
Covers your medical bills and those of your passengers after an accident, regardless of fault. Fills gaps that Medicare does not cover immediately.