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Last updated: September 7, 2023

High-Risk Auto Insurance in New Hampshire

If you have a speeding ticket, an at-fault accident, or a DUI on your record, expect to pay 42 percent more for car insurance on average.

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Insurance is all about risk — the risk that you’ll get into an accident and cost your car insurance company money. And nothing indicates risk like a bad driving record, whether you were convicted of speeding or driving under the influence, or you caused an accident. That’s why insurance companies take your driving record into account when determining premiums. It’s also why high-risk drivers pay the most for the exact same coverage as normal drivers. This is true in New Hampshire and virtually every other state.

Insurance Costs for High-Risk Drivers in New Hampshire

On average, high-risk drivers in New Hampshire pay 42 percent more for car insurance than low-risk drivers, with an average annual cost of $1,108 and increase to $1,572 after a violation occurs.

High-risk drivers are those with serious violations on their driving record and individuals within the age group of 16-19. Studies show that this age group have a fatal crash rate three times higher per mile driven than drivers ages 20 and older.1 Even if they have a spotless driving record, the average insurance costs are higher for teenage drivers in the aforementioned age range and severely increase in costs after a violation.

You can expect your New Hampshire car insurance to increase by 11 percent after getting a speeding ticket, 56 percent after an at-fault accident, and 65 percent after a DUI.

Average annual cost of car insurance in New Hampshire by violation Before incident After incident Increase
Speeding ticket $1,262 $1,407 11%
At-fault accident $1,041 $1,627 56%
DUI $1,020 $1,683 65%


In 2021, 37 percent of New Hampshire’s fatal crashes involved drivers with a blood alcohol concentration (BAC) of 0.08 percent or higher, meaning they were impaired. Thirty-three percent involved speeding, according to data from the National Highway Traffic Safety Administration.

What to Do If You Can’t Find a Provider

It’s more challenging to find an insurance provider if you have a bad driving record. Unlike many other states, New Hampshire doesn’t provide a state-run program for high-risk drivers, as it’s one of two states in the U.S. that doesn’t require car insurance in the first place.

The best way to find an insurance company that wants you as a customer is to contact We’ll take your information, including your driving history, and match you with an insurer that caters to high-risk or substandard drivers. This is the easiest way to buy New Hampshire auto insurance unless you want to go through the hassle of requesting car insurance quotes from multiple providers.

If you have a conviction for driving under the influence of alcohol and/or drugs, we might match you with one of the best auto insurance companies for drivers with a DUI. While you’ll pay more due to your driving record, the alternative of proving financial responsibility isn’t an option for most New Hampshire drivers, as it involves demonstrating you meet the state’s requirement of $100,000 to cover your liability.

To do this, you must deposit this amount in either money or securities and give a receipt to the state treasurer. You can either purchase securities from a bank or a trust fund, if you’re fortunate enough to have one.2 If you’ve shopped the market and can’t find an insurer that will cover you, proving financial responsibility with the state may be your only option.

How to Get the Cheapest Car Insurance Coverage

  1. Get minimum coverage. Although New Hampshire doesn’t require auto insurance, if you buy a policy, it must have the following coverages and liability limits:
    • $25,000 for bodily injury per person
    • $50,000 for bodily injury per accident
    • $25,000 for property damage per accident
    • $1,000 of medical payments coverage3
    • Limits equal to liability coverage for uninsured motorist coverage

    Getting the minimum amount of coverage will be your cheapest option.

  2. Take a driver improvement course. You can get up to three points removed from your record by taking a state-approved driver improvement course. Having fewer points on your record means lower insurance rates, as your driver risk classification will decrease. See below to find a class near you.
    Driver improvement program City Phone number
    1st Driver Improvement Concord (603) 545-8264
    1st Gear Driving School Amherst (603) 801-7939
    AAA (American Automobile Association) (Northern New England) Statewide (800) 647-4651
    AARP Driver Safety Program Statewide (888) 227-7669
    Chico’s Driving Center Manchester (603) 624-8268
    Commercial Driving School Concord (603) 715-2559
    D&S Driving School Tilton (603) 832-3243
    Derry Auto School DBA Harry’s Driving School Derry (603) 432-3583
    National Safety Council of Northern New England Statewide (800) 834-6472
    Responsible Driving LLC Twin Mountain (603) 846-5033
  3. Opt for usage-based insurance. Are you part of the 19 percent of people in New Hampshire who work from home? Or maybe you’re part of the 29 percent with a commute that is less than 15 minutes?4 In either case, consider usage-based insurance (UBI), which bills you based on your mileage and safe driving habits. UBI is a great option for high-risk drivers because it determines your premium not from your bad driving record but instead on your current driving behaviors.
  4. Improve your credit score. Car insurance companies in New Hampshire take many factors into consideration when determining rates, including your age, gender, marital status, coverage limits, ZIP code, and credit history. Improving your credit score signals to providers that you’re less likely to file a claim, which results in a lower premium.


The average VantageScore in New Hampshire, as of the most recent data, was 718 — about 3 percent higher than the national average.5 Improve your credit score by paying bills on time, paying off your debt, and limiting the number of credit cards you apply for.

  1. Ask for discounts. What insurance discounts does your provider offer? You can find out either by asking your agent or looking at the company’s website. Some common examples include discounts for driving less than a certain number of miles per year, insuring multiple vehicles with the same company, and maintaining a good driving record.

Will You Be High-Risk Forever?

Your driving record includes information about:

  • Suspensions
  • Revocations
  • Restorations
  • Convictions
  • Accidents
  • SR-22 requirements
  • Completion of safe driving courses6

The good news is that in New Hampshire, points will disappear from your driving record after three years, even without taking a driver improvement course.


If you have a poor driving record, expect to pay more for high-risk auto insurance. However, even if your driving record isn’t clean, points will stay on your record for only three years in New Hampshire, or even less if you complete a driver improvement course. Once the points are removed from your record, your car insurance costs should return to normal. To keep your premium low, practice defensive driving and obey speed limits, even if you’re on one of New Hampshire’s rural roads. To learn more, read our frequently asked questions below.

Frequently Asked Questions

Is New Hampshire a no-fault state?

No. New Hampshire is an at-fault state when it comes to car insurance. In other words, the at-fault driver is responsible for paying for the other party’s bodily injuries and property damage. If the victim is not made whole through insurance or other means, they can sue the at-fault driver in a civil suit as long as they were less than 50 percent at fault in the accident, according to Section 507:7-d of the New Hampshire Revised Statutes.

What are the auto insurance liability limits in New Hampshire?

In New Hampshire, the auto insurance liability limits are:

  • $25,000 per person, $50,000 per accident for bodily injury coverage
  • $25,000 per accident for property damage coverage


  1. Teen Driver and Passenger Safety. Centers for Disease Control and Prevention. (2023).

  2. TITLE XXI MOTOR VEHICLES Accidents and Financial Responsibility. New Hampshire State Court. (1982, Jan 1).

  3. New Hampshire Insurance Department 2022 Automobile Insurance Consumer Frequently Asked Questions. The New Hampshire Department of Insurance. (2022).

  4. Commuting Characteristics by Sex. United States Census Bureau. (2021).

  5. What Is the Average Credit Score by State? Equifax. (2021, Feb).

  6. Driving Records FAQs. New Hampshire Division of Motor Vehicles. (2023).