Keene Car Insurance

Your Complete Guide to Keene, NH Car Insurance

Find the right car insurance policy for you.

Driving can be dangerous just about anywhere. In Keene, New Hampshire, snowy winters and strong nor’easters can make driving downright treacherous at times. Keene drivers need quality, affordable auto insurance to make sure they are protected from the financial consequences of a crash. An independent insurance agent can assess the unique risks you face as a Keene driver. Your agent will work hard to find you an insurance policy that meets your needs while staying within your budget.

New Hampshire Car Insurance Requirements

Unlike most states, New Hampshire does not require drivers to purchase car insurance. But under New Hampshire's motor vehicle financial responsibility requirements, you must be able to pay for any losses that arise from a car accident that you cause. Failure to meet your financial obligations if you cause an accident can result in severe penalties, including steep fines and even jail time. If you choose to purchase New Hampshire auto insurance, your policy must meet the following minimum requirements. 

  • $25,000 bodily injury liability coverage per person per accident
  • $50,000 bodily injury liability coverage for all persons per accident
  • $25,000 property damage liability coverage

If you decide to buy auto liability insurance in New Hampshire, you are then required to purchase at least $1,000 of medical payments coverage, or personal injury protection (PIP). This covers your own medical expenses after an accident regardless of who caused the crash. New Hampshire drivers who purchase auto liability insurance must also purchase uninsured motorist coverage in an amount that is equal to their liability coverage. So if you purchase the minimum amount of liability coverage (25/50/25), your uninsured motorist coverage limits would be the same.

How Much Does Car Insurance Cost in Keene, NH?

New Hampshire is the 47th most expensive state for car insurance. The average car insurance rates in Keene are even lower than the state average. 

  • National average annual car insurance cost: $1,311
  • New Hampshire average annual car insurance cost: $905
  • Keene average annual car insurance cost: $738

It’s fairly simple: Insurance companies charge more for drivers who they consider to be more likely to get into an accident or file a claim. So if you are paying more than average for your city, you might drive a newer car, have a longer commute, or live somewhere with a high rate of vehicle theft. Younger drivers typically pay more than older drivers, and male drivers typically pay more than female drivers. Single drivers generally pay more for car insurance than married drivers. 

If you have speeding tickets or other citations on your driving record or if you have been in an accident, expect a hike in your car insurance premiums, too. While you can’t control your age or your gender, you can control some of your other risk factors. Maintaining a clean driving record is one of the best ways to control your auto insurance rates. A local independent insurance agent can help you compare quotes, choose policy options, and maximize your discounts. 

Number of Uninsured Motorists in New Hampshire

Not all drivers purchase car insurance. Unfortunately, if you are hit by an uninsured driver, you might have to pay for your own vehicle damage and your own medical bills. That's where uninsured motorist coverage comes in. It pays for vehicle damage and medical expenses if you cannot collect from an uninsured driver. 

  • How many US drivers are uninsured? 12.6%
  • How many New Hampshire drivers are uninsured? 9.9%

Uninsured motorist coverage is only required if you choose to purchase auto insurance in New Hampshire, but purchasing auto insurance is not mandated by the state. 

Number of Auto Thefts in New Hampshire

The auto theft rate across the state of New Hampshire is lower than the national average, and the auto theft rate in Keene is also very low. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • New Hampshire auto theft rate per 1,000 vehicles: 0.65
  • Keene auto theft rate per 1,000 vehicles: 0.69

The comprehensive coverage portion of your Keene auto insurance policy offers the protection you need if your car is stolen or vandalized. It reimburses you for your lost or damaged car, and it also offers coverage for all kinds of “other than collision” situations, such as damage caused by falling objects, floods, structure fires, and more. Talk to a local insurance agent about comprehensive coverage and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in or near Keene.

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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