- Does a DUI raise car insurance rates in New Hampshire?
- How much does a DUI raise your insurance in New Hampshire?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in New Hampshire?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in New Hampshire
- New Hampshire DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- New Hampshire DUI insurance: Frequently asked questions
- Compare New Hampshire DUI car insurance rates with other states
Does a DUI raise car insurance rates in New Hampshire?
With a clean driving history, car insurance in New Hampshire averages $1,265. After a DUI, the rate increases to $2,001, which is $736 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $2,677.
How much does a DUI raise your insurance in New Hampshire?
The cheapest insurer after a DUI is Auto-Owners, with rates averaging $1,400. The next cheapest insurer is The Hanover a difference of $84 from Auto-Owners. State Farm has the third-most affordable car insurance rates with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DUI in New Hampshire.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Auto-Owners | $803 | $1,400 | $1,949 |
| The Hanover | $1,027 | $1,484 | $2,008 |
| State Farm | $1,155 | $1,513 | $1,984 |
| Progressive | $1,343 | $1,534 | $2,591 |
| Nationwide | $1,145 | $2,604 | $3,692 |
| Allstate | $2,123 | $2,684 | $3,457 |
| GEICO | $1,212 | $2,819 | $3,582 |
| Farmers | $1,954 | $3,048 | $3,894 |
| USAA | $852 | $1,384 | $1,602 |
PEOPLE ASK:
What happens when you get a DUI in New Hampshire?
If you're convicted of a DUI in New Hampshire, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for 55 years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in New Hampshire?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects New Hampshire car insurance and stays on your record for 55 years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $2,588.
Below are the cheapest insurers after a DUI for each age group:
- For teens: The Hanover has the most affordable rate at $2,588.
- For young adults: The Hanover offers the lowest-priced coverage for young adults at $1,648.
- For adults: Auto-Owners provides the best rate, averaging $1,400.
- For seniors: The Hanover delivers the cheapest average rate at $1,221.
This table illustrates how a DUI affects car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| The Hanover | $1,717 | $2,588 | $871 | 51% |
| Auto-Owners | $1,775 | $3,132 | $1,357 | 76% |
| State Farm | $3,744 | $4,067 | $323 | 9% |
| Allstate | $4,290 | $5,637 | $1,347 | 31% |
| Nationwide | $4,384 | $5,742 | $1,358 | 31% |
| Progressive | $6,477 | $6,497 | $20 | 0% |
| GEICO | $3,541 | $8,369 | $4,828 | 136% |
| Farmers | $7,856 | $12,853 | $4,997 | 64% |
| The Hanover | $1,717 | $2,588 | $871 | 51% |
| Auto-Owners | $1,775 | $3,132 | $1,357 | 76% |
| State Farm | $3,744 | $4,067 | $323 | 9% |
| Allstate | $4,290 | $5,637 | $1,347 | 31% |
| Nationwide | $4,384 | $5,742 | $1,358 | 31% |
| Progressive | $6,477 | $6,497 | $20 | 0% |
| GEICO | $3,541 | $8,369 | $4,828 | 136% |
| Farmers | $7,856 | $12,853 | $4,997 | 64% |
| USAA | $3,320 | $5,617 | $2,297 | 69% |
| USAA | $3,320 | $5,617 | $2,297 | 69% |
How much does a DUI raise your insurance in your city?
The least expensive city in New Hampshire for car insurance after a DUI is Lebanon, while the costliest city is Manchester, with an average rate of $2,276. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table shows the average car insurance rates after a DUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Berlin | $1,279 | $2,005 | $726 | 57% |
| Claremont | $1,212 | $1,912 | $700 | 58% |
| Concord | $1,218 | $1,927 | $709 | 58% |
| Franklin | $1,226 | $1,938 | $712 | 58% |
| Laconia | $1,243 | $1,963 | $720 | 58% |
| Lebanon | $1,202 | $1,905 | $703 | 58% |
| Manchester | $1,436 | $2,276 | $840 | 58% |
| Nashua | $1,317 | $2,096 | $779 | 59% |
| Rochester | $1,239 | $1,955 | $716 | 58% |
| Somersworth | $1,230 | $1,949 | $719 | 58% |
| Berlin | $1,279 | $2,005 | $726 | 57% |
| Claremont | $1,212 | $1,912 | $700 | 58% |
| Concord | $1,218 | $1,927 | $709 | 58% |
| Franklin | $1,226 | $1,938 | $712 | 58% |
| Laconia | $1,243 | $1,963 | $720 | 58% |
| Lebanon | $1,202 | $1,905 | $703 | 58% |
| Manchester | $1,436 | $2,276 | $840 | 58% |
| Nashua | $1,317 | $2,096 | $779 | 59% |
| Rochester | $1,239 | $1,955 | $716 | 58% |
| Somersworth | $1,230 | $1,949 | $719 | 58% |
How to get car insurance after a DUI in New Hampshire
Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.
If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.
If you need car insurance after a DUI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in New Hampshire, since each company determines its own rates after a DUI.
New Hampshire DUI insurance requirements and penalties
A DUI in New Hampshire means you must meet specific high-risk driver requirements. In New Hampshire, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights New Hampshire DUI laws and the penalties for both first-time and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.16 | 6 months | None | Mandatory for all convictions | Yes | Yes |
| 0.16 | 6 months | None | Mandatory for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
New Hampshire drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for 55 years.
Tips to save money after a DUI
A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.
New Hampshire drivers can cut car insurance expenses after a DUI by:
- Raising their deductible to reduce monthly premiums
- Looking for discounts, such as multi-policy savings or safety feature discounts
- Keeping a clean driving record going forward
- Completing a defensive driving course
- Improving their credit score
- Comparing quotes from multiple insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
New Hampshire DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in New Hampshire?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
Compare New Hampshire DUI car insurance rates with other states
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