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Cheap DUI Car Insurance in New Hampshire (With Quotes)

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in New Hampshire (2022)

For drivers with a DUI or DWI offense in New Hampshire, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Hampshire. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in New Hampshire.

CarrierAvg. Monthly Cost
Travelers$130
Liberty Mutual$150
The General$183

DUI Car Insurance Costs in New Hampshire

In New Hampshire, a DUI or DWI offense will on average have drivers paying $371 per month and $4,452 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 156% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$145
Avg. Monthly Cost - After DUI
$371
$226 ▴
155.86% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in New Hampshire?

A DUI charge will remain a constant presence in various aspects of your life, including your relationships, finances, and driving record. Additionally, you'll find that you're paying much more for your car insurance after a DUI.

You can keep your car insurance rates low by avoiding a DUI in the first place. New Hampshire drivers without a DUI on their record pay $225.58 less than those with a conviction. One mistake could raise your insurance rates more than 155 percent, to $370 a month. This price increase alone should be enough to make you reconsider getting behind the wheel after you've been drinking.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$145$371155.86%

What Are the Average Car Insurance Prices After a DUI in New Hampshire?

There's no set car insurance rate for New Hampshire drivers with a DUI on their record. However, motorists pay an average of $370.58 a month to stay insured and on the road. This makes New Hampshire the 27th most expensive state for car insurance after receiving a DUI.

Your car insurance premium will likely be high following a DUI, regardless of the company you select. You should still take your time when you compare car insurance rates, however. Be sure to look at more than your monthly payment. Research each company's other insurance products and what discounts they offer that you might be eligible for.

New Hampshire After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$37127th

How Long Is the Lookback Period for a DUI in New Hampshire?

A lookback period is how long a DUI remains on a driver's record. New Hampshire's DUI lookback period is 10 years. This means if a driver is charged with DUI and receives another one in that 10-year span, they are considered a repeat offender. Subsequent DUI offenses result in harsher penalties than first-time offenders receive. However, if that driver is charged with a second DUI after the lookback period ends, it's considered a first offense, resulting in a less severe penalty. In regards to car insurance, companies typically look back three to five years for a DUI when determining your premium.

It's imperative to maintain a good driving record after you receive a DUI violation. This practice will help keep your car insurance rates down. In fact, you might even decrease your premium over time if you manage to avoid further traffic violations.

New Hampshire DUI Penalties

First-time DUI offenders in New Hampshire typically face a $500–$1,200 fine, but no jail time. A second offense could lead to 17 days to one year in jail, however. In New Hampshire, drivers could be charged with an "aggravated DWI" if their incident involved excessive speeding, a passenger under the age of 16, bodily injury, or a BAC of .16 or more. In this instance, the driver could face five days to one year in jail and a $750–$2,000 fine.
Drivers under the age of 21 charged with a DUI in New Hampshire could also face fines of $500–$1,200 and a minimum one-year loss of license. Loss of license could be increased to two years if there was a passenger 16 or younger in the car. Underage drivers charged with a DUI in New Hampshire also have to go through a substance use disorder evaluation. They might also be ordered to have an ignition interlock device in any vehicle they drive until they turn 21 or for no less than 12 months, whichever is longer.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - New Hampshire Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county New Hampshire. Insurify analyzed the latest data for the five most populous cities in New Hampshire to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in New Hampshire and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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