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

• Keene car insurance rates average $1,852 per year for full coverage, or about $154 per month.
• Keene, NH, car insurance costs $46 per year less than the New Hampshire state average rate ($1,898) and $369 per year less than the United States national average ($2,221).
• 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 $1,852 per year, which is approximately $154 per month. Keene car insurance costs 18.1% less than the national average rate of $2,221.

In the state of New Hampshire, the average car insurance cost is $1,898 per year, so the average rate in Keene is $46 less per year. When rates are compared to other cities in New Hampshire, the average cost of auto insurance in Keene is $26 per year more expensive than in Concord, $54 per year cheaper than in Dover, and $194 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 – $6,594 per year or $550 per month
• 17-year-old driver – $6,387 per year or $532 per month
• 18-year-old driver – $5,726 per year or $477 per month
• 19-year-old driver – $5,214 per year or $435 per month
• 20-year-old driver – $3,724 per year or $310 per month
• 30-year-old driver – $1,976 per year or $165 per month
• 40-year-old driver – $1,852 per year or $154 per month
• 50-year-old driver – $1,642 per year or $137 per month
• 60-year-old driver – $1,538 per year or $128 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 $1,300 per year for a 60-year-old driver with $1,000 physical damage deductibles to $4,330 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 $1,852 per year in Keene.

As a monthly cost, car insurance cost in Keene ranges from $108 to $361 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 $2,186 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 $770 more per year for $250 deductibles versus $1,000 deductibles.
• Insuring teens costs a lot – Rates range from $4,409 to $6,594 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 $1,748 less annually than a 20-year-old driver, $1,976 compared to $3,724.
• Keene car insurance cost is less than the U.S. average – $1,852 (Keene average) versus $2,221 (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 $1,518 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 Honda HR-V. 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 $134 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 Ford Explorer, the Nissan Leaf, and the Subaru Forester. Rates for those vehicles fall between $1,610 and $1,686 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 $2,664 per year, the BMW M240i which averages $2,256, and the Infiniti Q50 that costs $2,096.

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 $1,780 per year to the Tesla Model 3 costing $2,174 per year, a difference of $394 just for that segment.

In the small luxury car segment, the cost of insurance can vary from the Acura Integra at $1,648 per year up to the BMW M340i costing $2,260 per year.

As a third example, in the midsize luxury car segment, average insurance cost varies from the Mercedes-Benz CLA250 at $1,906 per year to the BMW M8 at $3,116 per year, a difference of $1,210 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 $1,610 per year or $134 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $1,370 per year or $114 per month
• Cheapest midsize car insurance – Kia K5 at $1,780 per year or $148 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,474 per year or $123 per month
• Cheapest full-size car insurance – Chrysler 300 at $1,766 per year or $147 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,740 per year or $145 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,632 per year or $136 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,734 per year or $145 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,884 per year or $157 per month
• Cheapest minivan insurance – Honda Odyssey at $1,694 per year or $141 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,716 per year or $143 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,648 per year or $137 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,550 per year or $129 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,906 per year or $159 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,734 per year or $145 per month
• Cheapest full-size luxury car insurance – Audi A5 at $2,200 per year or $183 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,078 per year or $173 per month