New Hampshire Auto Insurance After Multiple Violations
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteNew 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
Minimum Coverage Requirements in New Hampshire
New Hampshire operates under a tort liability system, meaning the at-fault driver's insurance pays for damages in an accident. For most drivers with multiple violations, insurance is the only practical path to reinstatement after a points-based suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in New Hampshire
$100–$231/mo
Typical monthly rate in New Hampshire, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- New Hampshire assigns 3 points for speeding 1–24 mph over the limit, 4 points for speeding 25+ over, and 6 points for reckless driving—your exact point total determines whether you're near the 12-point suspension threshold.
- Violations within the past 12 months carry higher surcharges than violations 24+ months old, and carriers apply time-weighted pricing that decreases annually as violations age off.
- Drivers who accumulated points from multiple speeding tickets (pattern speed violations) face higher surcharges than drivers with diverse violation types, because carriers treat speed pattern as intentional risk behavior.
- New Hampshire allows carriers to surcharge for violations for 3 years from the conviction date, meaning a violation from March 2023 will affect your rate until March 2026 even if the points expire sooner.
- Garaging your vehicle in Manchester, Nashua, or Concord results in higher rates than rural Grafton or Coos counties due to accident frequency, theft rates, and traffic density—violation surcharges apply on top of the base geographic rate.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf 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
How many points does it take to suspend a license in New Hampshire?
New Hampshire suspends your license at 12 points accumulated within 12 consecutive months. The 12-month window is a rolling period, meaning the state calculates your point total continuously—if you get a 3-point speeding ticket today and had a 4-point ticket 11 months ago, you're at 7 points. Once you cross 12 points, the New Hampshire Department of Safety mails a suspension notice, and you typically have 10–15 days to request a hearing before the suspension takes effect.
Does New Hampshire require SR-22 for a points-based suspension?
No, New Hampshire does not require SR-22 filing solely because you crossed the 12-point threshold. However, if one of the violations that contributed to your point total was a DUI, reckless driving, driving while suspended, or an uninsured accident, SR-22 is required for that specific violation regardless of the point suspension. You must clarify with the New Hampshire Department of Safety whether your suspension includes an SR-22 requirement, because the two are independent determinations.
How long do points stay on my New Hampshire driving record?
Points remain on your New Hampshire driving record for 3 years from the date of conviction, not the date of the violation or ticket. A speeding ticket from March 2023 with a conviction in May 2023 will stay on your record until May 2026. Insurance carriers can see and surcharge for violations for the full 3-year period, even if the points no longer count toward the 12-point suspension threshold after 12 months.
Coverage Types
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to multiple moving violations, point accumulation, or pattern speed offenses. Written by non-standard carriers or standard carriers' high-risk divisions.
SR-22 Insurance (If Required)
Certificate of financial responsibility filed by your carrier with the state, required after certain violations. The filing itself costs $15–$50, but the underlying high-risk classification increases premiums significantly.
Non-Standard Auto Insurance
Insurance for drivers who don't qualify for standard or preferred carrier rates due to violation history, prior suspension, or lapse in coverage. Issued by specialty carriers that underwrite high-risk drivers exclusively.
Liability Insurance
Minimum required coverage in New Hampshire: 25/50/25 bodily injury and property damage liability. Covers others' injuries and property damage when you cause an accident, but does not cover your own vehicle or medical bills.
Uninsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Must be rejected in writing in New Hampshire or it's automatically included.
Defensive Driving Course Discount
New Hampshire-approved defensive driving courses remove up to 3 points from your record and qualify you for a 3-year insurance discount with most carriers. Courses cost $30–$150 and can be completed online.