Featured in
399,755 Policies Sold
Keene Car Insurance
/mo
The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Keene is $566 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $293, making it a popular choice for budget-conscious drivers. Rates in Keene can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $293 for a six month policy, Hanover offers the cheapest auto insurance rates in the city.
Safety Group offers auto insurance rates at $293 for a six-month policy, making it one of the cheapest to insure with.
Vermont Mutual offers auto insurance rates at $293 for six months, making it the third cheapest auto insurance company in Keene.
Based on our research, the cheapest car insurance company in Keene, NH is Hanover, offering policies at just $293 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $293.
At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $840 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Keene drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $293 | $49 |
| Safety Group | $293 | $48 |
| Vermont Mutual | $293 | $50 |
| MAPFRE | $310 | $51 |
| Concord Group | $342 | $59 |
| Encompass | $464 | $77 |
| USAA | $464 | $78 |
| Concord | $607 | $101 |
| Auto-Owners | $641 | $109 |
| Nationwide | $652 | $110 |
| MMG | $674 | $114 |
| Safety | $696 | $116 |
| State Farm | $696 | $117 |
| Progressive | $701 | $118 |
| Allstate | $1110 | $187 |
| The Hanover | $840 | $143 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Keene are given below.
Hanover provides the cheapest minimum car insurance coverage in Keene. Their Average 6 Month Premium is $94. Allstate is the most expensive at $436 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $94 | $16 |
| The Hanover | $122 | $20 |
| Safety Group | $133 | $22 |
| Vermont Mutual | $133 | $22 |
| MMG | $139 | $23 |
| USAA | $143 | $24 |
| MAPFRE | $149 | $25 |
| Concord Group | $160 | $27 |
| Encompass | $160 | $27 |
| Auto-Owners | $166 | $28 |
| Safety | $193 | $33 |
| Progressive | $227 | $38 |
| State Farm | $265 | $45 |
| Concord | $293 | $50 |
| Nationwide | $365 | $60 |
| Allstate | $436 | $73 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Keene is Hanover at $49 per month and $293 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $293 | $49 |
| Safety Group | $293 | $48 |
| Vermont Mutual | $293 | $50 |
| MAPFRE | $310 | $51 |
| Concord Group | $342 | $59 |
| Encompass | $464 | $77 |
| USAA | $464 | $78 |
| Concord | $607 | $101 |
| Auto-Owners | $641 | $109 |
| Nationwide | $652 | $110 |
| MMG | $674 | $114 |
| Safety | $696 | $116 |
| State Farm | $696 | $117 |
| Progressive | $701 | $118 |
| Allstate | $1110 | $187 |
| The Hanover | $840 | $143 |
Get Your Car Insurance Quote in Keene Instantly!
The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Keene, New Hampshire, may be increasing due to several external factors. New Hampshire has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Keene's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Keene at $40 per month. At $2011 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $237 | $40 |
| Auto-Owners | $243 | $41 |
| MMG | $243 | $41 |
| Safety Group | $243 | $41 |
| Vermont Mutual | $254 | $43 |
| Hanover | $265 | $45 |
| USAA | $718 | $121 |
| State Farm | $1005 | $169 |
| Concord | $1188 | $198 |
| Progressive | $1746 | $294 |
| Allstate | $2011 | $335 |
Teen Car Insurance Rates in NH by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Keene, Vermont Mutual is the cheapest car insurance provider. At $154 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Keene is State Farm, offering rates of around $2243 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $154 | $26 |
| Safety Group | $160 | $27 |
| MAPFRE | $188 | $32 |
| Concord Group | $237 | $40 |
| Hanover | $519 | $87 |
| Progressive | $641 | $108 |
| USAA | $658 | $110 |
| Concord | $889 | $152 |
| Allstate | $1475 | $246 |
| State Farm | $2243 | $381 |
Save up to $971/yr on car insurance rates in Keene.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Keene, NH, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Keene include Vermont Mutual and MMG, offering $154 and $188, respectively. Allstate is an expensive provider with an average six-month premium of $1602.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $154 | $26 |
| MMG | $188 | $32 |
| MAPFRE | $199 | $33 |
| The Hanover | $199 | $33 |
| Concord Group | $232 | $39 |
| Auto-Owners | $282 | $48 |
| Hanover | $331 | $56 |
| USAA | $398 | $67 |
| Encompass | $691 | $115 |
| State Farm | $806 | $136 |
| Progressive | $829 | $140 |
| Concord | $889 | $152 |
| Nationwide | $1022 | $170 |
| Allstate | $1602 | $270 |
Here is a list of driving violations that can increase your car insurance rates in Keene NH. For example, the car insurance in Keene after a DUI increases to $552 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $658 | $110 |
| Not-at-fault accident | $658 | $112 |
| One Med/PIP claim | $658 | $110 |
| One comp claim | $674 | $114 |
| Two Med/PIP claims | $674 | $113 |
| Two comp claims | $685 | $116 |
| Failure to show documents | $729 | $122 |
| Failure to wear a seat belt | $729 | $124 |
| At-fault accident - less than $1000 | $740 | $124 |
| Child safety restraint | $740 | $126 |
| Driving without lights | $740 | $124 |
| Driving with expired registration | $757 | $128 |
| Speeding 11 - 15 MPH over limit | $757 | $126 |
| Speeding 16 - 20 MPH over limit | $757 | $128 |
| Speeding 6 - 10 MPH over limit | $757 | $126 |
| Driving too slowly | $763 | $129 |
| Failure to stop at a red light | $763 | $127 |
| Failure to yield | $763 | $129 |
| Following too closely | $763 | $127 |
| Illegal turn | $763 | $129 |
| In 65 MPH zone | $763 | $127 |
| Speeding in school zone | $763 | $129 |
| Wrong way/wrong lane | $763 | $127 |
| Speeding 21 - 25 MPH over limit | $779 | $132 |
| Improper passing | $784 | $131 |
| Cell phone violation | $829 | $141 |
| Texting while driving | $829 | $139 |
| At-fault accident - $1000-$2000 | $851 | $145 |
| Passing school bus | $873 | $145 |
| Open container | $911 | $155 |
| At-fault accident - greater than $2000 | $950 | $158 |
| Operating a vehicle without permission | $1005 | $171 |
| Racing | $1133 | $189 |
| Reckless driving | $1171 | $199 |
| Driving with a suspended license | $1199 | $200 |
| DUI | $1210 | $206 |
| Refusal to submit to a chemical test | $1210 | $202 |
| Leaving scene of an accident/hit and run | $1238 | $210 |
Get smarter car insurance rates in minutes today!
A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Keene.
The cheapest car insurance premiums in Keene are offered by MAPFRE at $221 for a six-month policy. However, it can be as expensive as $2149 with companies like Encompass.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| MAPFRE | $221 | $37 |
| MMG | $254 | $43 |
| Concord Group | $282 | $47 |
| Auto-Owners | $321 | $55 |
| Hanover | $321 | $54 |
| Progressive | $508 | $86 |
| USAA | $575 | $97 |
| Concord | $1071 | $182 |
| Allstate | $1110 | $187 |
| State Farm | $1116 | $188 |
| Nationwide | $1364 | $228 |
| Encompass | $2149 | $365 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Keene are offered by Safety Group at $160. However, it can be as expensive as $1238 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safety Group | $160 | $27 |
| Concord Group | $182 | $31 |
| MAPFRE | $199 | $33 |
| Vermont Mutual | $210 | $35 |
| Hanover | $254 | $43 |
| USAA | $425 | $73 |
| State Farm | $536 | $89 |
| Concord | $817 | $139 |
| Progressive | $829 | $139 |
| Allstate | $1238 | $210 |
Car insurance rates in Keene have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Keene remained steady at $105 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Keene remained steady at $33 in both December and November, indicating no change over the two month period.
How much is car insurance in Keene?
The car insurance in Keene is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Keene?
The cheapest car insurance in Keene is $49 per month for full coverage.
How much is car insurance in Keene for teenagers?
Car insurance for teenagers costs $237 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Keene?
The average cost of car insurance is $609 for a six-month policy. It will cost around $95 per month to insure your car in Keene.
Is car insurance expensive in Keene?
Car insurance can be expensive in Keene if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Keene can be affordable.
What is the best car insurance in Keene, NH?
The best car insurance company in Keene NH is Hanover, offering $293 for a six-month policy.
Cut auto insurance costs in Keene right now.