Home Insurance in Keene, NH
The average cost of homeowners insurance in Keene, New Hampshire is $1,064 per year in 2026. This compares to the state average of $950 per year.
Factors Affecting Home Insurance in Keene
Average: $410,000
low
4% of properties
1.12 (100 = national avg)
Home Insurance Coverage Comparison
| Coverage Tier | Dwelling Coverage | Personal Property | Liability | Est. Annual Cost |
|---|---|---|---|---|
| Basic (HO-1) | $328,000 | $164,000 | $100,000 | $798 |
| Standard (HO-3) | $410,000 | $205,000 | $300,000 | $1,064 |
| Premium (HO-5) | $512,500 | $307,500 | $500,000 | $1,436 |
Auto Insurance in Keene, NH
The average annual cost of auto insurance in Keene is $1,232, compared to the New Hampshire state average of $1,100.
Auto Insurance Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual Cost |
|---|---|---|---|---|
| Liability Only | State Minimum | None | None | $677 |
| Full Coverage | 100/300/100 | $500 deductible | $500 deductible | $1,232 |
| Premium | 250/500/250 | $250 deductible | $250 deductible | $1,601 |
Health Insurance in Keene, NH
The average monthly health insurance premium in Keene is $387 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
Health Insurance Plan Tiers
| Plan Tier | Avg Monthly Premium | Typical Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | $278 | $7,000 | $9,100 | Healthy, low usage |
| Silver | $387 | $4,500 | $9,100 | Moderate usage |
| Gold | $483 | $1,650 | $8,700 | Regular medical needs |
| Platinum | $580 | $0 | $4,500 | High usage / families |
Life Insurance & Renters Insurance in Keene
💰 Life Insurance
Life insurance rates in New Hampshire are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
Renters insurance in Keene covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Keene
Estimate your total annual insurance costs based on your personal profile.
Frequently Asked Questions
Compare Insurance Quotes in Keene
Get personalized quotes from top insurers in New Hampshire. Compare rates in minutes.
Insurance Costs in Nearby Cities
Last updated: March 2026. Data sourced from state insurance departments, NAIC, and industry averages.