New Hampshire Auto Insurance for 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
State Requirements
New Hampshire is the only state in the U.S. that does not mandate auto insurance for all drivers, but you must prove financial responsibility if convicted of certain violations or involved in an at-fault accident. The state operates under a traditional tort liability system. If your license is suspended for DUI, reckless driving, or driving uninsured, the New Hampshire Division of Motor Vehicles requires proof of insurance and may require SR-22 certification before reinstatement.
Bodily Injury Liability (When Required)
Property Damage Liability (When Required)
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Cost Overview
$100–$231/mo
Typical monthly rate in New Hampshire, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need insurance if my license is suspended in New Hampshire?
If your license was suspended for DUI, reckless driving, driving uninsured, or accumulating excessive points, the NH DMV requires you to carry liability insurance and may require SR-22 filing before reinstatement. You must maintain continuous coverage for the entire suspension period and typically 3 years after reinstatement. Administrative suspensions (unpaid fines, child support) may not require insurance, but you should confirm your specific requirements with the DMV before proceeding.
How long do I need to maintain SR-22 in New Hampshire?
New Hampshire requires SR-22 filing for 3 years after DUI conviction, uninsured driving conviction, or certain reckless driving offenses. The 3-year period begins when you reinstate your license, not when the suspension started. Any lapse in coverage during this period—even one day—triggers automatic license re-suspension and restarts the entire 3-year SR-22 requirement from the beginning.
Can I get a hardship license during suspension in New Hampshire?
New Hampshire does not offer a formal hardship or restricted license program during most suspension periods. However, for DUI first offenses, you may be eligible for an Ignition Interlock Restricted Driver License (IID license) after serving a portion of your suspension—typically 45 days for first offense. This allows you to drive any vehicle equipped with an ignition interlock device for work, medical, and educational purposes while maintaining SR-22 insurance.
Coverage Types
SR-22 Insurance
Not insurance itself, but a certificate your insurer files with the NH DMV proving you carry liability coverage. Required for 3 years after DUI, uninsured driving conviction, or certain reckless driving offenses.
Non-Owner SR-22
Liability insurance for drivers who don't own a vehicle but need SR-22 certification to reinstate. Covers you when driving borrowed or rental cars.
Liability Insurance
Covers injuries and property damage you cause to others. New Hampshire requires 25/50/25 minimum limits only for drivers with violations, suspensions, or at-fault accidents without insurance.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver without insurance. Not required by New Hampshire law, but addresses a significant gap.
Non-Standard Auto Insurance
Specialized policies for drivers with DUI, multiple violations, or suspended licenses. Non-standard carriers are often the only option for SR-22 filing after serious offenses.