New Hampshire SR-22 Insurance (2026): Cost & Cheapest Companies After a DWI
After any DWI conviction in New Hampshire, an SR-22 is required for 3 years — from the date of final conviction, or for a second DWI, from the date you become eligible for license restoration. The filing fee is small; the premium surcharge is the real cost. Comparing carriers before you commit is the most effective way to reduce what you pay over the 3-year period.
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New Hampshire SR-22 at a glance
| What it is | Certificate your insurer files with NH DMV Bureau of Financial Responsibility proving you carry minimum liability coverage |
| When required | After any DWI conviction, leaving the scene of an accident, or 2nd+ reckless operation |
| Duration — 1st DWI | 3 years from the date of final conviction |
| Duration — 2nd DWI | 3 years from the date of eligibility for license restoration (the revocation period must end first) |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DWI | ~$115–185/mo vs. ~$55–85 for a clean-record driver |
| Minimum liability limits | 25/50/25 ($25k bodily injury / $50k per crash / $25k property damage) |
| If it lapses | Insurer notifies DMV → license action → reinstatement required → clock may reset |
How much SR-22 costs in New Hampshire
The SR-22 filing fee is only $15–25. The real cost is the DWI premium surcharge — a first-DWI New Hampshire driver typically pays $115–185/month for minimum coverage, versus $55–85 with a clean record. Over 3 years the difference between the cheapest and most expensive carrier can exceed $2,500. Comparing at the start and again at each annual renewal is the most effective way to reduce the total cost.
Second DWI: clock starts at restoration eligibility — not conviction. For a second DWI conviction, the 3-year SR-22 period begins from the date you become eligible for license restoration — which is after your 3-year revocation period ends. This means the SR-22 obligation doesn’t even start until after the revocation concludes. Confirm your exact start date with NH DMV or your attorney so you know precisely when the 3-year clock begins and ends.
Cheapest SR-22 carriers in New Hampshire
Most standard insurers don’t write SR-22 policies. Starting points for 2026:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for a first DWI in New Hampshire |
| Progressive Specialty | Strong non-standard market presence statewide |
| Allstate | Broad New Hampshire availability, competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22 policies |
Availability and pricing depend on your driving record, county, and vehicle. Compare multiple carriers before buying.
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How to file an SR-22 in New Hampshire
- Confirm your SR-22 start date with NH DMV — it’s the conviction date for a first DWI, or the restoration-eligibility date for a second.
- Buy a policy from a carrier that writes SR-22s in New Hampshire.
- Request the SR-22 filing — most carriers submit electronically to NH DMV, often same day.
- Keep the policy active without any lapse for the full 3 years. Confirm with your insurer before canceling or changing carriers.
Still need your interlock sorted? Aggravated DWI (BAC 0.16%+ or passenger under 16) and all 2nd+ convictions require a mandatory IID in New Hampshire. Up to 75% of costs can be covered through the provider’s required reserve fund for hardship cases. NH DMV authorizes five vendors but doesn’t publish their names — call (603) 227-4000 to get the list. See New Hampshire DWI interlock requirements, costs, and providers →
New Hampshire SR-22 FAQ
How long do I need SR-22 in New Hampshire?
3 years — from the date of final conviction for a first DWI, or from the date of eligibility for license restoration for a second DWI. The second-offense clock doesn’t start until after your revocation period ends. Confirm the exact start date with NH DMV.
How much does SR-22 raise my insurance in New Hampshire?
The filing fee is only $15–25. A first-DWI driver typically pays $115–185/month versus $55–85 for a clean record. Carriers vary by 200% or more — comparing before you commit is essential over a 3-year term.
Do I need a car to get an SR-22 in New Hampshire?
No. A non-owner SR-22 policy satisfies the NH DMV filing requirement without owning a vehicle. Compare non-owner SR-22 quotes →
What happens if my SR-22 lapses in New Hampshire?
Your insurer notifies NH DMV, your license action follows, and reinstatement will be required. The 3-year clock may also reset. Set up autopay and confirm your renewal date annually.
Do I also need an ignition interlock?
It depends on your charge. Aggravated DWI (BAC 0.16%+, passenger under 16, or certain refusals) and all second and subsequent DWI convictions require an IID. A simple first DWI has no statutory mandate though courts may still order one. NH DMV authorizes five vendors but doesn’t publish their names — call (603) 227-4000 to confirm. See our full New Hampshire interlock guide.
Sources:
NH DMV — Ignition Interlock Program;
RSA 265-A:36; 265-A:3; 265-A:18.
Last verified August 2026.
Advertising disclosure: We may be compensated when you request quotes through our links. This doesn’t affect our information or carrier rankings. Content is informational only — not insurance or legal advice. Verify SR-22 requirements with NH DMV or a licensed insurance agent.