Hanover vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Hanover
76
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Hanover VS Liberty Mutual
76
82
What is this?
User Ratings
OptionsHanover Liberty Mutual
Rating/Reviews
28 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsHanover Liberty Mutual
Call Center Representative--About average
Insurer Website--Better than most
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsHanover Liberty Mutual
Claim ServicingAbout averageThe rest
Estimation ProcessBetter than mostThe rest
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostThe rest
Rental ExperienceThe restAbout average
Repair ProcessAbout averageAbout average
SettlementBetter than mostThe rest
J.D. Power Ratings by Region (out of 1000)
RegionHanover Liberty Mutual
California--816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England795 pt
The rest
809 pt
About average
New York--818 pt
About average
North Central816 pt
The rest
812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas--807 pt
The rest
Mobile App Ratings
RegionHanover Liberty Mutual
Android
7 Reviews
2,531 Reviews
iOS
10 Reviews
12,900 Reviews
Financial Ratings
OptionsHanover Liberty Mutual
A.M. BestAA
FitchAA-
Moody'sA2A2
Standard & Poor'sAA

Quotes & Discounts

Discount typeHanover Liberty Mutual
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesVaries
Defensive DriverVaries--
Good StudentVariesUp to 22%
Multiple PolicyVariesVaries
Multiple VehicleVariesUp to 5%
Paid in fullVariesVaries
Passive RestraintVariesUp to 20%
Preferred paymentVariesVaries
PrepayVaries--
Provider SwitchVaries--
Student Away at SchoolVariesVaries
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
ByMile--Varies
Claims Free Renewal--Varies
Driving training--Up to 30%
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Home Owner--Varies
Military--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--Varies
Paperless documents--Varies
Policy Update/Extension--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Senior Adult--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
teenSMART--Varies

Payment Methods

Discount typeHanover Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment --yes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesHanover Liberty Mutual
24/7 serviceyesyes
Accident forgivenessyesyes
Enhanced towing & substitute coverageyesyes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesHanover Liberty Mutual
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Better Car Replacement
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
--yes
Gap Insurance
--yes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
yesyes
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Vanishing Deductible
yesyes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

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  • Liberty Mutual
  • Both

Compare Insurance Products

ProductHanover Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Hanover Reviews
  • Liberty Mutual Reviews
2.4
5 Stars
29 %
4 Stars
7 %
1 Star
64 %

Most Positive Review

By Anthony
Great custo.er service

Latest Review

By Karl M

All Reviews

Showing 1 - 10 out of 28 Reviews
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Read reviews that mention

Karl M
Sarah B
Dan S
CRAIG
Good service, great prices.
Jeffrey
They have been great up until the time they noticed me of non renewal
Greg
Kelli G.
Dawn C
yoder648
RO
Showing 1 - 10 out of 28 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.