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.
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 Rates
- Keene, NH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Keene, NH
- Multi Vehicle Insurance Savings in Keene, NH
- How Credit Score Affects Car Insurance Rates in Keene, NH
- How DUI Affects Auto Insurance Premiums in Keene, NH
- Top Auto Insurance Agents Near Keene, NH
- How Driving Violations Affect Auto Insurance Rates in Keene, NH
- Keene, NH Auto Insurance Discounts on Anti Theft Feature
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 |