Keene Auto Insurance Rates, Quotes, Agents & Reviews in NH

Keene, NH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Keene, NH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Cheapest Car Insurance in Keene, NH

The average cost of car insurance in Keene, NH, is $1,112. Auto insurance is a product purchased to protect a car and its owner from financial loss in an accident. There are many different types of auto insurance, and the coverage provided by each policy varies. In Keene, NH, auto insurance is required by law. Auto insurance rates in Keene, NH, are based on several factors, including the driver's age, driving history, the type of car being insured, the amount of coverage, and the deductible. Drivers can get a discount on their auto insurance premium by taking a defensive driving course and by insuring multiple vehicles with the same company. Auto insurance is a necessary purchase, and it is important to compare rates and coverage before buying a policy. Drivers should also review their policy periodically to ensure it still meets their needs. By checking this article, you may choose the Keene, New Hampshire, auto insurance policy that best suits your needs and budget.

Auto Insurance Rates Based on the Age of the Driver

Auto insurance rates in Keene, NH, vary depending on the driver's age. For example, a 20-year-old driver will pay a higher rate than a 30-year-old driver. This is because younger drivers are considered to be a higher risk by insurance companies. They are more likely to get into accidents, and they are also more likely to get speeding tickets. For example, Teen drivers pay $3,608 for automobile insurance in Edgewood, Iowa, while drivers aged 40 pay $1,059.

Auto Insurance Rates Post-DUI

Post-DUI auto insurance rates in Keene, NH, can be quite high. This is due to the fact that DUI is considered a high-risk offence by insurance companies. If you are convicted of DUI, you can expect your auto insurance rates to increase by an average of 30%. However, rates will vary depending on the insurance company and the severity of your offence. The average price of car insurance in Keene, New Hampshire, is $1,112. After a DUI, the rate rises to $1,965. Avoid drinking and driving to reduce your Keene, New Hampshire, auto insurance costs.

Auto Insurance Rates Based on Credit History

Car insurance companies use your credit score to determine how likely you are to file a claim. Drivers with a higher credit score are considered less risky and are therefore charged lower rates. Drivers with lower credit scores are considered a higher risk and charged higher rates. For instance, in Keene, New Hampshire, drivers with exceptional credit scores pay $954 for auto insurance, while those with poor credit must spend $1814 for the same coverage.

Factors that can influence the cost of car insurance in Keene, NH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Keene, NH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Keene, NH with that of other cities in and around Keene.

Keene West Swanzey Gilsum Surry Cheshire County Westmoreland
Average Insurance Rates $1,112 $1,491 $1,449 $1,218 $1,386 $1,134

Keene, NH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Keene, NH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Keene $1,136 $960
Cheshire County $1,428 $1,206
Roxbury $1,233 $1,041
West Swanzey $1,331 $1,124
Surry $1,255 $1,060
Westmoreland $1,168 $987
Gilsum $1,492 $1,261
Sullivan $1,396 $1,179

Keene, NH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Keene, NH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,608
20 Years $1,429
30 Years $1,101
40 Years $1,059
50 Years $981
60 Years $994
70 Years $1,157

Keene, NH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Keene, NH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,935 $289
3 Vehicles $2,902 $434
4 Vehicles $3,870 $578

Savings on 2 Vehicles bundle:$289

Savings on 3 Vehicles bundle:$434

Savings on 4 Vehicles bundle:$578

Keene, NH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Keene, NH.

Location Average Insurance Cost Post DUI Insurance Rate
Keene $1,112 $1,965
Cheshire County $1,386 $2,449
Roxbury $1,197 $2,115
West Swanzey $1,491 $2,635
Surry $1,218 $2,152
Westmoreland $1,134 $2,004
Gilsum $1,449 $2,560
Sullivan $1,355 $2,394

Keene, NH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $954
Excellent (740-799) $1,089
Good (670-739) $1,159
Average (580-669) $1,512
Poor (300-579) $1,814

Keene, NH Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Greg Carlson State Farm 103 Winchester St, Keene, 03431-4608 603-352-4081
Joan Hoose Acsr Liberty Mutual 640 Marlboro Street, Keene, 3431 1-603-357-0609
The Insurance Center Travelers 55 MAIN ST STE A, KEENE, 3431 603-357-0188
Kapiloff Insurance Agency Travelers 417 Winchester St, Keene, 3431 None
Ed Kingsbury Jr State Farm 322 West St, Keene, 03431-2452 603-352-3458
Dan Bantham State Farm 289 Daniel Webster Highway, Merrimack, 03054-4472 603-429-2008
Fortified Insurance Agency None 911 Candia Road, Manchester, 3109 None
Hilton Insurance Services / Colby Ins Group None 3 Saxford Lane, Nashua, 3063 None

Keene, NH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,161
Driver's Failure In Showing Documents +$108 $1,220
Driving With An Expired Registration +$115 $1,227
Driving At A Considerably Slow Pace +$241 $1,353
Using A Cellphone While Driving +$255 $1,367
Running A Red Light +$259 $1,371
Speeding +$272 $1,384
Driving A Vehicle Without The Required Permission +$346 $1,458
Driving With An Expired/Suspended License +$749 $1,861

Keene, NH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,068
Active Disabling Device $1,068
Tracking Device $1,045
Passive Disabling Device $1,034