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Car Insurance Quotes in Keene, NH

Full coverage / year
$1,209
State minimum / year
$397
Typical quote range
$858 – $1,668

Full coverage car insurance in Keene, NH runs an estimated $1,209 per year — roughly $101 monthly. Premiums here land roughly 11% under the New Hampshire average thanks to low traffic density and few comprehensive claims. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Keene, NH

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$101/ month
$1,209 per year · carriers in Keene, NH typically quote $858 – $1,668
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Keene, NH

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$919$77-24%Military members and families only
Geico$991$83-18%Usually cheapest for clean records
State Farm$1,064$89-12%Strong for young and student drivers
Progressive$1,149$96-5%Competitive after a ticket or accident
Travelers$1,173$98-3%Good multi-policy discounts
Nationwide$1,209$1010%Mid-market, wide availability
Allstate$1,378$115+14%Higher base rate, heavy discount stacking
Farmers$1,463$122+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Keene, NH. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Keene

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,265$1,073$272
18 years old$2,754$905$229
20 years old$2,280$749$190
22 years old$1,894$622$158
25 years old$1,445$475$120
30 years old$1,246$409$104
40 years old$1,171$385$98
50 years old$1,121$368$93
60 years old$1,109$364$92
65 years old$1,159$381$97
70 years old$1,271$418$106
75 years old$1,483$487$124

Estimated premiums by age in Keene, NH, clean record, sedan.

What a ticket, accident or DUI costs in Keene

Driving recordEst. annualIncrease
Clean record$1,209—
1 speeding ticket$1,487+23%
1 at-fault accident$1,777+47%
DUI / DWI$2,284+89%

What a violation costs a 35-year-old in Keene, NH. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in New Hampshire

Every driver registering a vehicle in New Hampshire must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the New Hampshire Department of Insurance.

Required coverage in New HampshireMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Liability not mandatory; if purchased, these limits applyRequired
Medical payments $1,000Required
Uninsured motoristRequired
Insurance systemAt-fault (tort)

Coverage levels compared in Keene

Coverage levelEst. annualEst. monthly
State minimum liability$397$33
Full coverage (100/300/100 + comp & collision)$1,209$101
Full coverage, high limits + low deductible$1,438$120

Coverage level comparison for Keene, NH.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Keene

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Keene covers 03431, 03435 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Keene, NH?
Full coverage in Keene is estimated at $1,209 a year ($101 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $397 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in New Hampshire?
New Hampshire requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus liability not mandatory; if purchased, these limits apply, medical payments $1,000, uninsured motorist. New Hampshire is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Keene?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Keene for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Keene?
An 18-year-old in Keene is estimated at $2,754 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Keene?
A DUI takes the estimate from $1,209 to about $2,284 a year in Keene, an increase of roughly 89%. New Hampshire drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Keene?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

BedfordMerrimackConcordManchesterNashuaEast ConcordDerryDerry Village

Comparing more of New Hampshire? See every New Hampshire city we price or read the cheap car insurance guide for Keene.