Hanover vs USAA 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

USAA
96
What is this?

Insurify Composite Score

Hanover VS USAA
76
96
What is this?
User Ratings
OptionsHanover USAA
Rating/Reviews
28 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsHanover USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsHanover USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Rental ExperienceThe restBetter than most
Repair ProcessAbout averageAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionHanover USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England795 pt
The rest
893 pt
Among the best
New York--900 pt
Among the best
North Central816 pt
The rest
905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionHanover USAA
Android
7 Reviews
98,577 Reviews
iOS
10 Reviews
3,600 Reviews
Financial Ratings
OptionsHanover USAA
A.M. BestAA++
FitchAAA+
Moody'sA2Aa1
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

CityHanover USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityHanover USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityHanover USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityHanover USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityHanover USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityHanover USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityHanover USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityHanover USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityHanover USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityHanover USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityHanover USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityHanover USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityHanover USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeHanover USAA
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Defensive DriverVariesVaries
Good StudentVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Passive RestraintVariesUp to 15%
Preferred paymentVaries--
PrepayVaries--
Provider SwitchVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeHanover USAA
Automatic Online Payment
yesyes
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesHanover USAA
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesHanover USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Glass Coverage yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Hanover
  • USAA
  • Both

Compare Insurance Products

ProductHanover USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Hanover Reviews
  • USAA 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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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.