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The Hanover Car Insurance Review (With Quotes, Updated August 2022)

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Anna Baluch

By: Anna Baluch

Edited by Jackie Cohen

Last Updated August 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Founded in 1852 in New York, The Hanover Insurance Group offers a wide variety of insurance products to individuals and businesses in 20 states. These include auto, home, renters, life, business coverage, and more. You can buy a car insurance policy through one of its independent agents. On average, car insurance with The Hanover costs $248 per month.

If you’re on the lookout for the best deal on your car insurance policy, it’s smart to compare all the options at your disposal. Insurify can help you do just that without any fees or sign-ups. In just five minutes or less, you can receive personalized quotes and choose the right policy for your needs.

The Hanover in a Nutshell

  • The average cost of car insurance with The Hanover is $248 per month.
  • The Hanover is good for drivers with high-end vehicles or those who prefer pre-packaged car insurance with plenty of extras.
  • The Hanover isn't the best option for drivers in search of cheap, basic auto insurance.

The Hanover Industry Rankings and Scorecard

The Hanover’s roots date back to 1852. Since the company has offered car insurance for so long, its good rankings are no surprise.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Industry RankingThe Hanover Rating
Insurify Composite Score (ICS)76 out of 100
J.D. Power815 out of 1,000
A.M. BestA
Standard & Poor’sA
FitchA
Moody’sA2
NAIC Complaint IndexFewer complaints than average

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The Hanover Car Insurance Quotes by Driver History

When you request a quote, The Hanover will look into a number of factors to determine what to offer you. These include your age, where you live, what kind of driver you are, and how you handle your finances. If you’re a safe driver without a history of traffic violations, you’ll likely land a lower rate than someone with a record of speeding tickets and at-fault accidents.

Driver ProfileThe Hanover Average Monthly PremiumNational Average
Clean Record$278$77
DUI$421$155
At-Fault Accident$342$113
Speeding Ticket$294$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Hanover Car Insurance Quotes by State

Your location will play a role in your car insurance premium. If you’re a city driver, you’ll pay more than a rural driver. This is because there are more people in your area and the risk of accidents, theft, and vandalism is higher. The weather in your ZIP code will also be important, as frequent snow, ice, and other harsh weather will increase your rate.

StateThe Hanover Average Monthly Premium
Arkansas$203
California$275
Connecticut$354
Colorado$246
Georgia$358
Illinois$136
Indiana$404
Louisiana$433
Maine$188
Maryland$279
Massachusetts$50
Michigan$345
Missouri$229
Kansas$167
Minnesota$292
New Hampshire$180
New Jersey$385
New York$118
North Carolina$258
Ohio$175
Pennsylvania$292
Tennessee$188
Texas$204
Utah$267
Virginia$175
Washington$246
Washington, D.C.$338
Wisconsin$154
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Hanover Car Insurance Pros and Cons

If you drive a high-end vehicle or simply like full coverage with a lot of add-ons, you may benefit from The Hanover’s pre-packaged auto insurance plans with all the bells and whistles. You’ll get the Platinum Experience, which includes flexible payment plans, digital self-service tools, exceptional claims handling, and more.

Pros

  • Pre-packaged car insurance options

  • Plenty of positive customer reviews

Cons

  • Must connect with an agent to get a quote

  • Not available in all states

The Hanover Car Insurance Discounts

The Hanover’s discounts and credits through its Smart Savings program can help you save money on your car insurance. Keep in mind that your state and coverage will determine which discounts you may qualify for. An insurance agent may educate you on the specific discounts that apply to you.

Driver-Based Discounts

If you’re a high school or college student and earn good grades, you might be eligible for the good student discount. There’s also a student away at school discount that you can receive if you attend school somewhere away from home. Once you complete a qualifying accident prevention course, you can secure a discount as well.

Policy-Based Discounts

The paid in full discount may be an option for you if you take care of your entire yearly premium at once. You can also land a discount if you enroll in EFT, or electronic funds transfer, and use it to pay for your policy.

Bundling Discounts

If you bundle a Hanover auto insurance and homeowners insurance policy, you’ll save big. You’ll also enjoy the convenience of one coverage effective date and one bill. This is The Hanover’s most popular package.

The Hanover Car Insurance Coverage Options

The Hanover Insurance Group Inc. offers bodily injury and property damage liability insurance, which covers property damage, injuries, and death from an accident you caused. There’s also uninsured or underinsured motorist coverage that pays for medical and property damage expenses after an accident with a driver who has insufficient coverage. In addition, collision coverage takes care of repair costs from auto accidents, regardless of who is at fault. Comprehensive coverage is offered as well.

Roadside Assistance

Roadside assistance is designed to help you out in emergency situations while driving. It’s available 24/7 and covers towing, tire changes, fuel delivery, and more. The coverage limit is up to $150 every time your vehicle is disabled if you use a Hanover provider. Otherwise, the limit is $75.

High-Value Coverage

Hanover Prestige Auto is special insurance coverage for high-end vehicles. With Prestige rental, you’ll receive $6,000 in rental car coverage.There’s also Prestige travel companion, which offers $250 for towing and roadside assistance plus $1,000 for travel expenses if you’re unable to drive your vehicle. Prestige lifetime OEM and Prestige new car extender are also available.

Newer Car Replacement Coverage

In the event your car is deemed a total loss, new car replacement can be very beneficial. It’ll pay the cash value of the same make, model, and equipment of a vehicle that’s one model year ahead of yours. Note that you will be responsible for a deductible.

Original Equipment Manufacturer (OEM) Parts Coverage

With OEM parts coverage, you’ll receive the original replacement parts for your vehicle. In most cases, your parts will be backed by a warranty. OEM parts will increase the value and longevity of your car. If you drive a high-end vehicle or value brand names and top quality, it’s certainly worth considering.

The Hanover Car Insurance Reputation

Is The Hanover car insurance good?

The Hanover car insurance is a great option for drivers of high-value luxury, exotic, or sports cars. The average monthly cost for a policy with The Hanover is $248.

The Hanover has an excellent reputation in the car insurance industry. It’s been accredited with the Better Business Bureau (BBB) since 1959 and holds an A+ rating. In addition, the insurance company has been named one of America’s Most Trustworthy Financial Companies by Forbes and one of America’s Most Responsible Companies by Newsweek.

The Hanover Customer Service

One of The Hanover’s greatest selling points is its customer service. Since it sells its policies through independent agents, you can work with someone to design the ideal auto insurance plan for your needs. The Hanover also offers a self-service online portal on www.hanover.com, where you can review your policy information, start the claims process, pay your bill, and more. Consumer Reports gives The Hanover a customer satisfaction rating of 74 out of 92.

The Hanover Claims-Filing Process

There are several ways you can report a car insurance claim with The Hanover. You can log in to your account and fill out a form on the online portal. If you prefer, you may file a claim through The Hanover’s mobile app or call customer service. If you have a Platinum policy, there is a special phone number you can call for VIP service.

The Hanover: Is it right for you?

The Hanover can be a solid pick if you want a pre-packaged policy customized to your situation. It’s also ideal if you drive a luxury vehicle or classic car and would like extra coverage to protect it. In addition, you might benefit from The Hanover if you want one-on-one guidance to help you choose the right policy. Use Insurify to compare car insurance companies and explore all your auto insurance options before you commit.

Frequently Asked Questions

  • The Hanover is a good car insurance provider. It offers a long list of coverage options and special perks. The company also allows you to work with an insurance agent to determine the very best policy for your budget and lifestyle. While it’s not the cheapest, its unique options and superior customer service allow it to stand out.

  • A Hanover car insurance policy runs $221 per month on average. Your premium, however, will be based on the auto coverage you choose as well as your age, location, driving history, and other factors. To find out your car insurance quote, reach out to a Hanover independent agent. They will educate you on various options and insurance rates.

  • You’ll find that The Hanover Insurance Company offers a plethora of discounts to help lower your car insurance premium. Driver-based discounts include the good student discount, student away at school discount, and good driver discount. If you go paperless, pay for your policy in full, or sign up for electronic funds transfer, you can also lock in more discounts. There are discounts for bundling your car insurance with home insurance as well.

  • If you’d like to land the very best deal on your car insurance policy, you’ll need to explore various auto insurance companies. With Insurify, you can receive personalized auto insurance quotes in five minutes or less. You won’t have to sign up or pay for anything. It’s the fastest and easiest way to find the cheapest car insurance.

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Anna Baluch
Anna Baluch
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Insurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

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