Car Insurance After a DUI in New Hampshire: Cheapest Companies & Rates (2026)
A DUI in New Hampshire increases car insurance rates by an average of 64%, raising a typical full coverage policy from $1,254/year to $2,057/year. That's an increase of $803/year ($67/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in New Hampshire
Before DUI
$105/mo
$1,254/year full coverage
After DUI (+64%)
$171/mo
$2,057/year full coverage
Cheapest Companies After DUI in New Hampshire
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $127/mo | $1,522/yr | Military families |
| Erie Insurance | $135/mo | $1,625/yr | Rate lock guarantee |
| GEICO | $141/mo | $1,687/yr | Clean driving record |
| Progressive | $151/mo | $1,810/yr | Telematics savings |
| State Farm | $156/mo | $1,872/yr | Good students |
| Travelers | $163/mo | $1,954/yr | Multiple discounts |
| Nationwide | $178/mo | $2,139/yr | Bundling home + auto |
| Farmers | $185/mo | $2,222/yr | Signal telematics |
| Allstate | $192/mo | $2,304/yr | Accident forgiveness |
| Liberty Mutual | $202/mo | $2,427/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, New Hampshire, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in New Hampshire
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in New Hampshire
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in New Hampshire
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $171/mo | +64% |
| Year 1 | $165/mo | +58% |
| Year 2 | $155/mo | +48% |
| Year 3 | $138/mo | +32% |
| Year 5 | $118/mo | +13% |
| Year 7 | $105/mo | Normal |