Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In New Hampshire, unlike most other states, auto insurance is not mandatory for drivers. However, if a driver chooses not to carry insurance, they must be able to demonstrate the financial ability to meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the event of an at-fault accident. This means that a driver must be able to cover costs associated with bodily injury and property damage. For those who do opt for insurance, the rates can be influenced by various factors, including the driver's record. Traffic violations, such as speeding, can lead to a significant increase in insurance premiums. More severe infractions, like DUI/DWI or hit-and-run, can result in even higher rate hikes. Drivers in New Hampshire who face traffic citations or criminal charges that could impact their insurance costs may benefit from consulting with an attorney who specializes in traffic law to explore their options and potentially mitigate the consequences.