New Hampshire is the one exceptional state that does not have car insurance laws like the other ones, or in any case not very strict laws. In New Hampshire, your average driver does not have to have an auto insurance policy unless they truly want to. However, there are some people who drive in New Hampshire who do have to have New Hampshire car insurance. Normally this happens if you have a conviction for drunk driving, or if through various other traffic violations you have gotten enough demerits to meet the requirement to have to have car insurance.

Demerits are points that you receive whenever you commit a violation. Some may have more than others, such as speeding or driving without your driver’s license. Those offenses get you four demerits, whereas things like having an expired registration or not stopping at a stop sign will get you three points. There are also two and one point level offenses.

If you are required to have car insurance in the state of New Hampshire, you have to get SR 22 car insurance. This is a form that your car insurance company has to file every month with the DMV so that they know that you have a valid car insurance policy. Normally, if you get a DWI conviction, you will have to file an SR 22 form for three years, if it is your first conviction. If you get another one, that time is extended to five years.

If you get a DWI and have your license suspended, when you go to get it back you will have to provide the SR 22 form. This can usually be printed off of your car insurance company’s website.

In New Hampshire, most of the drivers out on the road have some form of car insurance coverage, even if it is not required by law. However, like in other states, if you are buying a car using a financer then the financer is still allowed to make you get comprehensive and collision coverage on your new car.

Cheers,

Fashun Guadarrama.