Official New Hampshire Guide

New Hampshire SR-22 Insurance

A complete roadmap to satisfying New Hampshire DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How New Hampshire SR-22 Filing Works

In New Hampshire, the SR-22 is a "Certificate of Financial Responsibility." While New Hampshire is unique in not requiring auto insurance for all drivers, it is mandatory for those ordered to file by the New Hampshire Division of Motor Vehicles (DMV). The digital form is filed by your insurance carrier to prove you meet the state's 25/50/25 liability minimums.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period in New Hampshire.

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Who Needs to File in NH?

DWI Conviction: Driving while intoxicated is the primary trigger for a 3-year SR-22 mandate.
Uninsured Accident: Being at-fault in an accident without insurance that results in injury or $1,000+ in damage.
Habitual Offender: Accumulating too many demerit points or serious violations within a short timeframe.
Unsatisfied Judgments: Failure to pay court-ordered damages following a motor vehicle accident.

Don't Own a Car in New Hampshire?

You can still get reinstated! A New Hampshire Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the NH DMV requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The NH Reinstatement Timeline

Verify Requirements

Check your official suspension notice or contact the NH DMV in Concord to confirm your eligibility date and required fees.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your carrier will electronically transmit the certificate directly to the DMV.

Pay Reinstatement Fee

Pay the mandatory $100 reinstatement fee online via the official NH DMV portal or at a local drop-box.

Status Valid

Once the filing is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in New Hampshire:

First Offense

Immediate License Suspension

Court Fines

Significant Fines + Fees

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Plate & Registration Revocation

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New Hampshire Filing FAQs

How much is the filing fee in New Hampshire?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the NH DMV. This is separate from your monthly premium.

Can I drive out of state with a NH SR-22?

Yes. Your New Hampshire SR-22 is valid nationwide. You must maintain the New Hampshire-specific limits (25/50/25) to remain compliant.

Wait, I thought New Hampshire didn't require insurance?

Standard drivers are not required to have insurance, but if you have a high-risk violation like a DWI, the state mandates an SR-22 as a condition of keeping your license.

Can I get a Non-Owner policy in NH?

Yes, New Hampshire allows Non-Owner SR-22 filings. It is the most affordable route to reinstatement for drivers without a vehicle.

Will my license be suspended if I miss a payment?

Yes. New Hampshire law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, verify with the NH DMV that your requirement is clear. You can then instruct your insurer to remove the filing.

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