Driving Without Insurance in New Hampshire
Fines, license and registration suspension, and SR-22 requirements for driving uninsured in New Hampshire.
Short answer: If a driver or owner is involved in a reportable accident without a qualifying liability policy or bond in effect, the director suspends the driver's license and the vehicle registration (and requires surrender of the plates) until the driver or owner posts security sufficient to satisfy… RSA 264:3
| Driving without insurance | If a driver or owner is involved in a reportable accident without a qualifying liability policy or bond in effect, the director suspends the driver's license and the vehicle registration (and requires surrender of the plates) until the driver or owner posts security sufficient to satisfy any judgment from the accident and then maintains proof of financial responsibility in the future. Notice is sent at least 10 days before the suspension takes effect. Source: RSA 264:3 |
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| Proof of insurance | Proof of financial responsibility, when required, is given by filing with the Division of Motor Vehicles a certificate from an insurance or surety company (a "continuous certificate" for future proof), or by depositing money or securities with the state treasurer. A continuous certificate stays in effect at least 20 days after the director receives written notice that it will be cancelled. Source: RSA 264:21 |
| SR-22 filing | New Hampshire requires future proof of financial responsibility (an insurer's certificate filed with the DMV) after an accident without insurance, and the director may require it, by suspending the license and registrations until it is filed, after convictions for driving under the influence, leaving the scene of an accident, vehicular homicide or assault, a second excessive speeding or reckless driving offense, and other violations the director designates. The continuous certificate must remain in effect at least 20 days after the director is notified of cancellation. Source: RSA 264:2; RSA 264:3; RSA 264:21 |
More New Hampshire car insurance & vehicle laws
- Minimum Car Insurance in New Hampshire
- SR-22 Insurance in New Hampshire
- When a Car Is a Total Loss in New Hampshire
- Transferring a Car Title in New Hampshire
- All New Hampshire car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in New Hampshire?
If a driver or owner is involved in a reportable accident without a qualifying liability policy or bond in effect, the director suspends the driver's license and the vehicle registration (and requires surrender of the plates) until the driver or owner posts security sufficient to satisfy any judgment from the accident and then maintains proof of financial responsibility in the future. Notice is sent at least 10 days before the suspension takes effect.
Can you show proof of car insurance on your phone in New Hampshire?
Proof of financial responsibility, when required, is given by filing with the Division of Motor Vehicles a certificate from an insurance or surety company (a "continuous certificate" for future proof), or by depositing money or securities with the state treasurer. A continuous certificate stays in effect at least 20 days after the director receives written notice that it will be cancelled.
When do you need an SR-22 in New Hampshire, and for how long?
New Hampshire requires future proof of financial responsibility (an insurer's certificate filed with the DMV) after an accident without insurance, and the director may require it, by suspending the license and registrations until it is filed, after convictions for driving under the influence, leaving the scene of an accident, vehicular homicide or assault, a second excessive speeding or reckless driving offense, and other violations the director designates. The continuous certificate must remain in effect at least 20 days after the director is notified of cancellation.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.