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SR-22 Insurance for Non-Owners in New Hampshire
Key takeaways
- Insurance becomes mandatory for you after certain violations.
- The SR-22 typically lasts 3 years.
- A non-owner policy satisfies it if you have no vehicle.
New Hampshire famously doesn't require most drivers to carry insurance, but that changes after a DUI, a serious violation or an uninsured crash. Then you need an SR-22 and a policy behind it.
- Form required
- SR-22
- Liability minimum
- 25/50/25
- How long
- Typically 3 years
- Who processes it
- New Hampshire Division of Motor Vehicles
How to get a non-owner SR-22 in New Hampshire
- Confirm your requirement with the New Hampshire DMV
- Buy a non-owner policy at 25/50/25
- Have the SR-22 filed
- Pay restoration fees
- Keep coverage for the full period
What makes New Hampshire different
Because insurance is optional for most New Hampshire drivers, many SR-22 buyers have never held a policy before. That's fine. Carriers write first-time policies for drivers in this situation.
New Hampshire questions drivers ask
I thought New Hampshire didn't require insurance?
For most drivers it doesn't, but SR-22 filers must carry it.
I've never had insurance. Can I still get a non-owner SR-22?
Yes. Expect a slightly higher price for having no prior coverage.
State rules change. Confirm your requirements with the New Hampshire Division of Motor Vehicles before you buy a policy.
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