Auto insurance for high-risk drivers in New Hampshire

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Drivers with multiple tickets, at-fault accidents or a DUI may have a challenging time finding affordable rates for car insurance. In addition, reckless or high-risk driving in New Hampshire could lead to your license being suspended, restricted or revoked. New Hampshire high-risk auto insurance is an alternative coverage option when traditional vehicle insurance is no longer available or affordable.

High-risk car insurance rates in New Hampshire

The cost of your New Hampshire vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. Each insurance carrier has its own threshold of risk when pricing your vehicle insurance. One carrier may provide relatively affordable insurance for a driver with speeding tickets but raise premiums sharply after an accident or claim.

Car insurance rates after a speeding ticket

Speeding tickets could increase your auto insurance rates slightly or significantly, depending on the carrier. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found USAA, Nationwide and Amica to be the most affordable carriers on average.

Car insurance company New Hampshire average annual premium for full coverage before a speeding ticket New Hampshire average annual premium for full coverage after a speeding ticket % difference
USAA $681 $856 26%
Nationwide $851 $927 9%
Amica $1,063 $1,360 28%

Rates after an accident

In New Hampshire, being held responsible for a car accident will generally increase your premiums more than a speeding ticket. However, high-risk auto insurance rates vary greatly from one insurance company to the next.

Car insurance company New Hampshire average annual premium for full coverage before an accident New Hampshire average annual premium for full coverage after an accident % difference
USAA $681 $1,075 58%
Nationwide $851 $1,116 31%
Amica $1,063 $1,256 18%

USAA may be the cheapest coverage for safe drivers, but a single accident could increase your premiums by 58%. The carrier’s insurance is also only available to military and qualifying family members. Meanwhile, Nationwide’s rates typically increase around 31% after an accident. Finally, Amica rates increase an average of 18% after an accident.

Auto insurance rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and safety-wise.

Here’s how getting a DUI can impact auto insurance rates.

Car insurance company New Hampshire average annual premium for full coverage before a DUI New Hampshire average annual premium for full coverage after a DUI % difference
USAA $681 $1,256 84%
Nationwide $851 $1,373 61%
Amica $1,063 $3,031 185%

Drivers convicted of a DUI in New Hampshire will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.

Rates for teen drivers

Car insurance premiums for parents who add their teen children to their policies in New Hampshire are higher than average.

Car insurance company Average annual premium for full coverage
USAA $2,157
Nationwide $1,446
Amica $1,956

*16-year-old on their parent’s policy

Getting quotes from multiple carriers is the best way to find the cheapest car insurance.

Who is a high-risk driver?

High-risk drivers come in all ages and experience levels. Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk. Teen drivers, with their limited driving experience, are also generally considered high-risk.

Many states may suspend or revoke your license after accumulating six points. Depending on your age, New Hampshire could suspend your license after getting six points in one year. Considering that one at-fault crash may cost you three points for “failure to use due care,” your license could be suspended after a second accident or ticket.

How to lower your rate if you are a high-risk driver

High-risk drivers may have limited carrier options and higher premiums. One way to offset the limited options is by finding ways to decrease the cost of coverage:

  • Compare multiple carriers to find the cheapest coverage based on your current needs.
  • Apply as many discounts as possible. Some examples are multi-line discounts, as well as discounts for low-mileage drivers and student drivers.
  • Increase your deductible to the highest amount you can afford.

Saving as little as 5 to 10%on your car insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It is a form filed by your insurance company with the DMV on your behalf. If your license has been suspended due to a DUI or other violation, you will need an SR-22 filing to reinstate it. New Hampshire does not require drivers to carry insurance, but should you be deemed required to obtain an SR-22, you will have to file proof of financial responsibility to drive legally.

How many points do I get in New Hampshire if I cause an accident?

New Hampshire assigns zero to three points if you are a negligent operator (responsible for a car crash). The DMV may suspend or revoke your driver’s license after you have six points on your record, depending on your age. However, keep in mind that all accidents are unique situations and you may have a different number of points assessed depending on the circumstances of your crash.

Why do high-risk drivers pay more for insurance?

Insurance companies rated policies based on risk. If you have previously had accidents, tickets, a DUI conviction or are an inexperienced driver, there is more of a risk that you will cause an accident that will cause the insurance company to have to pay a claim. To offset this risk, high-risk drivers are generally charged higher rates.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.

High-risk drivers

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.