Car Insurance Cost in Keene, NH – 2025 Rates + Rankings

• Keene car insurance rates average $1,896 per year for full coverage, or about $158 per month.
• Keene, NH, car insurance costs $48 per year less than the New Hampshire state average rate ($1,944) and $380 per year less than the United States national average ($2,276).
• For the cheapest auto insurance in Keene, SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross rank very well for overall cost.
• Models with segment-leading auto insurance rates in Keene include the Infiniti QX80 (full-size luxury SUV), Chevrolet Colorado (midsize pickup), Mazda MX-5 Miata (sports car), and Chrysler 300 (full-size car).

How much does Keene car insurance cost?

The average cost of car insurance in Keene is $1,896 per year, which is approximately $158 per month. Keene car insurance costs 18.2% less than the national average rate of $2,276.

In the state of New Hampshire, the average car insurance cost is $1,944 per year, so the average rate in Keene is $48 less per year. When rates are compared to other cities in New Hampshire, the average cost of auto insurance in Keene is $24 per year more expensive than in Concord, $54 per year cheaper than in Dover, and $196 per year less than in Manchester.

The age of the driver significantly impacts the cost of car insurance, so the list below illustrates this by breaking out average car insurance rates in Keene for drivers from age 16 to 60.

Average cost of car insurance in Keene, New Hampshire, for drivers age 16 to 60

• 16-year-old driver – $6,753 per year or $563 per month
• 17-year-old driver – $6,541 per year or $545 per month
• 18-year-old driver – $5,862 per year or $489 per month
• 19-year-old driver – $5,339 per year or $445 per month
• 20-year-old driver – $3,812 per year or $318 per month
• 30-year-old driver – $2,024 per year or $169 per month
• 40-year-old driver – $1,896 per year or $158 per month
• 50-year-old driver – $1,678 per year or $140 per month
• 60-year-old driver – $1,572 per year or $131 per month

The chart below shows average Keene, NH, car insurance cost broken out by driver age and comprehensive and collision deductibles. Rates are averaged for all 2024 vehicle models including luxury vehicles.

Average rates in the chart range from $1,328 per year for a 60-year-old driver with $1,000 physical damage deductibles to $4,434 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparison purposes is a 40-year-old driver with $500 deductibles, which is an average cost of $1,896 per year in Keene.

As a monthly cost, car insurance cost in Keene ranges from $111 to $370 for the same driver ages shown in the chart.

Auto insurance rates are not the same for everyone and subtle changes in a driver’s risk profile can cause meaningful changes in car insurance premiums. This variability stresses the need to get multiple car insurance quotes when shopping online for more affordable car insurance.

The cost to insure top-selling vehicles

The auto insurance rates mentioned above take all 2024 models and come up with an average cost, which is helpful for making big picture comparisons such as between locations or by driver risk profile.

Average car insurance rates are useful to get answers to questions like “is Keene auto insurance cheaper than Rochester?” or “are auto insurance rates in New Hampshire cheaper than in New York?”.

But for more comprehensive car insurance rate comparisons, it’s important to look at the cost to insure individual models. Every model has a unique exposure profile for determining car insurance prices and this can result in some popular vehicles having considerably higher insurance rates.

The following chart displays average insurance rates for 15 of the more popular vehicles you’ll see on the streets of Keene.

Vehicle models that are popular in Keene tend to be small or midsize sedans like the Honda Civic and Toyota Camry and small or midsize SUVs like the Toyota RAV4, Honda CR-V, and Subaru Outback.

Some additional popular models in Keene from other vehicle segments include luxury SUVs like the Acura MDX, BMW X5, and Infiniti QX60, luxury cars like the Acura ILX, Lexus ES 350, and Infiniti Q50, and pickup trucks like the Ford F-150, Ford Ranger, and Chevy Silverado.

In the next section we break down the top 40 cheapest cars to insure in Keene, NH, but first, let’s review some of the concepts we’ve covered thus far.

• Auto insurance is cheaper as you age – Average auto insurance rates for a 60-year-old driver in Keene are $2,240 per year cheaper than for a 20-year-old driver.
• Auto insurance with low deductibles costs more – A 50-year-old driver pays an average of $792 more per year for $250 deductibles versus $1,000 deductibles.
• Insuring teens costs a lot – Rates range from $4,513 to $6,753 per year to insure a teenage driver in Keene, New Hampshire.
• Insurance rates drop considerably between ages 20 and 30 – The average 30-year-old Keene, NH, driver will pay $1,788 less annually than a 20-year-old driver, $2,024 compared to $3,812.
• Keene car insurance cost is less than the U.S. average – $1,896 (Keene average) versus $2,276 (U.S. average)

Cheapest 40 vehicles to insure in Keene

When comparing rates for all vehicle models, the vehicles with the lowest cost average insurance rates in Keene tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, and Buick Envision. Average insurance quotes for cars and SUVs that rank in the top ten cost $1,552 or less per year for a full coverage policy.

Other models that are highly ranked in our insurance cost comparison are the Acura RDX, Nissan Murano, Ford Bronco Sport, and Toyota GR Corolla. The average cost is a little higher for those models than the crossover SUVs that rank near the top, but they still have average rates of $137 or less per month.

The table below breaks down the 40 cars with the cheapest average car insurance rates in Keene. It’s interesting to point out that out of the 15 popular vehicles we listed previously, only three made the top 40 cheapest list.

Other models making the top 40 above include the Acura Integra, the Nissan Rogue, the Volkswagen ID4, the Nissan Leaf, and the Subaru Forester. Rates for those vehicles fall between $1,646 and $1,730 per year in Keene, NH.

To put the rates for the cheapest vehicles in perspective, a few examples that have more expensive auto insurance include the Dodge Charger that averages $2,726 per year, the BMW M240i which averages $2,310, and the Infiniti Q50 that costs $2,144.

This next section discusses the cost of insurance based on different automotive segments. These rates should give you a good idea of what types of vehicles tend to have cheaper overall auto insurance rates.

Average and cheapest insurance rates by segment

When shopping for a different vehicle, it’s important to have a basic understanding of which kinds of vehicles are more affordable to insure. For example, maybe you’re curious if compact cars cost less to insure than midsize cars or if heavy duty pickups are more expensive to insure than half-ton pickups.

The next chart displays average auto insurance rates in Keene for different vehicle segments. When looking at rates from a segment perspective, compact SUVs, vans, and midsize pickups have the most affordable average car insurance rates, while exotic high-performance models have the most expensive overall auto insurance rates.

Rates within any particular automotive segment can range considerably, so if you have a specific vehicle in mind, it’s better to compare rates for that model rather than the segment as a whole.

For example, in the midsize car segment, car insurance rates in Keene range from the Kia K5 at $1,826 per year to the Tesla Model 3 costing $2,226 per year, a difference of $400 just for that segment.

In the small luxury car segment, the cost of insurance can vary from the Acura Integra at $1,684 per year up to the BMW M340i costing $2,314 per year.

As a third example, in the midsize luxury car segment, average insurance cost varies from the Mercedes-Benz CLA250 at $1,950 per year to the BMW M8 at $3,192 per year, a difference of $1,242 just within that segment.

If you know the type of vehicle you are interested in, but just want a model with cheap insurance, the following list details the specific model with the best car insurance rates in Keene, NH, for each individual segment. Yearly and monthly car insurance quotes are listed for each vehicle.

• Cheapest compact car insurance – Toyota GR Corolla at $1,646 per year or $137 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $1,400 per year or $117 per month
• Cheapest midsize car insurance – Kia K5 at $1,826 per year or $152 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,510 per year or $126 per month
• Cheapest full-size car insurance – Chrysler 300 at $1,806 per year or $151 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,780 per year or $148 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,670 per year or $139 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,774 per year or $148 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,928 per year or $161 per month
• Cheapest minivan insurance – Honda Odyssey at $1,732 per year or $144 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,754 per year or $146 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,684 per year or $140 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,584 per year or $132 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,950 per year or $163 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,772 per year or $148 per month
• Cheapest full-size luxury car insurance – Audi A5 at $2,252 per year or $188 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,124 per year or $177 per month