Cheap SR22 Insurance in NH
NH SR22 Requirements
The State of New Hampshire can require you to carry SR-22 proof of financial responsibility because of an accident where insurance was not on your vehicle, or for being convicted for driving while intoxicated (DWI). It is against the law for a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles (.04) and also for drivers under the age of 21 (.02). The DWI law in New Hampshire also includes driving under the influence of controlled substances such as marijuana, cocaine and other drugs.
The list of penalties for a first time DWI in New Hampshire is as follows:
- Jail for 10 days minimum for an Aggravated DWI only
- A minimum fine of $500
- A fine of $750 for an Aggravated DWI
- License suspension for 9 months up to 2 years
- License suspension for 18 months to 2 years for an Aggravated DWI
- Complete an Impaired Driver Intervention Program
- New Hampshire SR22 insurance for 3 years
- Alcohol and/or drug treatment and counseling may be ordered
Subsequent DWI convictions cause the penalties to increase. Also if you are arrested for a DWI under any of the circumstances listed below, your DWI will be considered an Aggravated DWI and there will be an increase in the jail time, the fines and other penalties may be assessed.
- Driving 30 MPH over the posted speed limit
- An accident which causes serious injury
- Attempting to elude a police office
- If a passenger under the age of 16 is in the vehicle
- BAC of .16 or higher
The SR 22 must be on file with the state for a period of 3 years. If you are convicted of a major offense during the time required to carry the SR22 certificate, the required time will be extended for an additional 3 years from the date of the major conviction.
New Hampshire has an implied consent law which means that you have given your consent to submit to a chemical test of your blood, breath or urine if stopped by a police officer and he suspects that you are driving under the influence of drugs or alcohol. If you refuse to submit to the test your driver’s license will be suspended for 180 days. New Hampshire treats the refusal to submit to this test with equal or greater penalties and fines as they do for a conviction of drunk driving.
In the State of New Hampshire there is no requirement to have car insurance for your vehicle to legally drive a car in the state. If you do buy car insurance in New Hampshire the required coverage is as follows:
- $25,000 for Bodily Injury Liability per person
- $50,000 for Bodily Injury Liability for two or more persons per accident
- $25,000 for Property Damage Liability for damage to property
- $25,000 for Uninsured/Underinsured Motorist per person
- $50,000 for Uninsured/Underinsured Motorist per accident
- $1,000 for Medical Payments Coverage
The information contained in the above article is intended as informational and does not constitute legal or insurance advice. Insurance requirements in the state of New Hampshire are subject to change. Visit the New Hampshire Insurance Department at http://www.nh.gov/insurance/ or the New Hampshire Division of Motor Vehicles at http://www.nh.gov/safety/divisions/dmv/ for current information.
Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.