Non-Owner SR-22 Insurance in New Hampshire

If New Hampshire has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. New Hampshire requires at least 25/50/25 liability coverage.

Who needs a non-owner SR-22 in New Hampshire?

New Hampshire drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the New Hampshire DMV.

How to get a non-owner SR-22 in New Hampshire

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the New Hampshire DMV, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 with New Hampshire electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

New Hampshire details to know

New Hampshire does not require most drivers to carry auto insurance. However, after a DUI, an at-fault accident or certain other violations, the state requires an SR-22 and proof of insurance. A non-owner policy meets that requirement for drivers without a car.

New Hampshire non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the New Hampshire DMV or your court before you buy a policy.

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