New Hampshire’s laws against driving under the influence (DUI) and driving while intoxicated (DWI) impose several penalties on people who are convicted of drunk driving. The difficulties a New Hampshire driver faces when convicted, however, don’t stop at jail time, a fine, or a license suspension. After an NH drunk driving conviction, your car insurance rates may also go up – if your insurance company doesn’t cancel your policy altogether.
According to Insure.com, insurance companies often check driver’s records once every one to three years. A DWI conviction that appears on your record may cause insurers to think of you as a higher “risk” and raise your rates accordingly. At the same time, shopping for a new insurance policy with a lower price can be difficult, because a new insurer will almost certainly want to see your driving record before offering you insurance.
In addition, Insure.com notes that drivers who come from states that require SR-22s after a DWI conviction almost always have more trouble getting insurance than drivers who come from states that don’t require an SR-22. An SR-22 is an official document that proves you have liability insurance to cover you if you’re in an accident. Many states, including New Hampshire, require an SR-22 for a driver convicted of DWI to get his or her license back. An SR-22, however, is a red flag to insurers that you present a risk to them.