New Hampshire Auto Insurance After Unpaid Fines
New Hampshire requires 25/50/25 liability coverage and is an at-fault state.
Get My Reinstatement 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 financial responsibility system: you're not required to carry insurance before a violation, but administrative license suspension for unpaid traffic tickets or court fines triggers a mandatory proof-of-insurance requirement at reinstatement. The New Hampshire Division of Motor Vehicles suspends driving privileges until all outstanding fines are paid and you submit proof of coverage meeting state minimums. Unlike DUI or uninsured-motorist suspensions, fines-cause administrative suspensions typically do not require SR-22 filing.
Liability Insurance
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
Clear the Suspension and Get Covered Again
Get My Reinstatement 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
Does New Hampshire require SR-22 filing after suspension for unpaid traffic fines?
No, in most cases. SR-22 filing is typically required only after DUI, uninsured-motorist violations, or serious at-fault accidents. Administrative license suspension for unpaid traffic tickets or court fines does not trigger SR-22 filing requirements. You must submit proof of 25/50/25 liability coverage to the Division of Motor Vehicles at reinstatement, but a standard insurance card satisfies this requirement.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. New Hampshire's minimum 25/50/25 requirement becomes mandatory at reinstatement after an unpaid-fines suspension.
Reinstatement Insurance
Policy purchased specifically to meet proof-of-coverage requirements after administrative suspension. Often minimum-limit liability coverage held until the suspension record clears.
Non-Standard Auto Insurance
Coverage for drivers with suspension history, multiple violations, or gaps in coverage. Priced higher than standard policies but available when preferred carriers decline.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Not required by New Hampshire law.