NEW HAMPSHIRE SR22 INSURANCE

Although car insurance is not required in New Hampshire, there is still an SR-22 requirement in the state. If you’ve committed a certain driving violation or are considered a high-risk driver, you may be required to have car insurance and to file an SR22 form. An SR-22 form guarantees to the state that you have liability car insurance coverage. It may be required in New Hampshire to get your driving privileges back if your license was suspended.

• SR-22 insurance limits in New Hampshire
• Is an SR-22 expensive?
• New Hampshire Non Owner SR22 Insurance
• How long do I need to carry an SR-22 in NH?
• What happens if I cancel my SR22 insurance early?
• Who needs SR-22 insurance in New Hampshire?

SR-22 insurance limits in New Hampshire

New Hampshire is one of the few states that does not require a driver to carry car insurance. However, if you choose not to carry insurance, you are personally responsible for damages.

If you do choose to carry car insurance in New Hampshire, you must meet these liability coverage minimums:

• $25,000 for bodily injury for one person
• $50,000 for bodily injury for multiple people
• $25,000 for property damage

Remember, minimum liability car insurance only covers damages to property and people not in your vehicle. You may want to add additional coverages to make sure you are covered in any eventuality.

Is an SR-22 expensive?

Filing SR-22 in NH can cost $15-$25 depending on your age, gender, driving history, and credit score. However, this fee may be tacked onto the driver’s rates. If SR-22 is required, your auto insurance provider might consider you a high-risk driver. High-risk car insurance rates run higher than low-risk driver rates, and they will be influenced by your age, gender, driving history, and credit score, too.

New Hampshire Non Owner SR22 Insurance

Non owner New Hampshire SR22 insurance allows the named insured driver to drive any motor vehicle that they are given permission to drive. If you purchase a New Hampshire non-owners SR22 insurance policy, make sure you do not drive any vehicle you have not been given express consent to drive and ensure that the vehicle in question is insured by the owner.

A New Hampshire SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the state’s drivers license reinstatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the state’s SR22 insurance requirements without owning a vehicle.

How long do I need to carry an SR-22 in NH?

If you’re required to file an SR-22, coverage must be carried for a minimum of 3 years. Those on a second offense DWI will have to remain covered for 5 years. Depending on your driving record, how long you need an SR-22 may vary.

What happens if I cancel my SR22 insurance early?

The insurance company you have filed with will notify the state that your SR-22 is no longer in force. The state will then suspend your license again until you can show proof of financial responsibility. It is never recommended to cancel or let your SR22 auto insurance policy lapse prior to the end of your court order probation period.

Who needs SR-22 insurance in New Hampshire?

In New Hampshire, those who have been in crashes that resulted in injury, death, or property damage resulting in excess of one thousand dollars are required to file an NH SR-22 auto insurance form, if they did not have adequate liability coverage at the time.

Also, those who are convicted of driving while intoxicated (DWI) and/or have license suspensions or revocations will need to file. Even though car insurance isn’t required in New Hampshire, if you are in an accident and do not have car insurance, you will have to provide proof that you can cover the required amounts for property damage and bodily injury. If you can’t supply that proof, you may have to file SR-22 insurance to show that you are covered going forward.

Don’t Forget These Facts

• New Hampshire does not require drivers to have car insurance
• SR-22 can be required in New Hampshire for various reasons, including being convicted of a DUI
• The SR-22 form itself isn’t very expensive, but your car insurance rates will be much higher