Hanover Insurance Review
- With 3.1/5 stars in 2023, Hanover is a good insurance company.
- Read Hanover reviews, complaints and prices before you buy.
Hanover insurance: Ratings and reviews
Hanover's 170-year history began with fire insurance in New England and has since expanded to offer numerous different lines of insurance products. Offering comprehensive car insurance packages to customers through a network of independent agents, Hanover may be a solid choice for your next insurance company. Read our review of Hanover's coverage options, premiums, discounts and more.
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Hanover for it to be included.
How much does Hanover Insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Hanover is about $1687 or roughly 92% more expensive than a typical policy, making it a pricier option on average.
The table below shows how Hanover auto insurance compares against other top insurers.
Similar to any insurance company, pricing for Hanover auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Hanover's car insurance premiums for different age brackets.
|Age Group||Avg. Monthly Premium|
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Hanover offers several discounts that can potentially lower your premium. They call it Smart Savings within the Hanover Platinum Experience. Discount availability varies by state and includes:
- Paid in full: Your overall premium is lower if you pay for your policy upfront.
- Anti-theft devices: Having anti-theft devices in your vehicle can help you save on your premiums.
- Multi-car: Having more than one vehicle on your policy will earn you this discount.
- Good student: Students who keep up good grades while in school can be rewarded.
- Accident prevention course: Also known as a defensive driving course, drivers can lower their rates by completing an approved course.
Read more about Hanover's discount options here.
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What types of coverage does Hanover offer?
Hanover offers standard coverage options, including liability, collision, and comprehensive coverages. Additionally, they offer:
- Accident forgiveness: With this coverage, your first accident in any 36-month period will not result in a rate increase.
- OEM parts: This ensures that you get the original manufacturer parts for your vehicle if they need to be replaced, helping increase value and longevity.
- Newer car replacement: This pays the actual cash value of the same make, model and equipment of your vehicle (minus applicable deductibles) if it was deemed a total loss.
- Roadside assistance: 24/7 emergency roadside services are available for disabled vehicles.
- Transportation expense: Also known as rental reimbursement, the cost of a rental car will be covered if your vehicle is rendered temporarily inoperable by a covered loss.
Read more about Hanover's additional coverages here.
Hanover insurance review: Summary
Between Hanover's extra coverage options, flattering customer satisfaction ratings and discount opportunities, drivers should feel confident in exploring this company as their next insurance provider. However, higher-than-average rates and its limited state availability may give prospective customers pause. All in all, The Zebra believes Hanover may be a good option for drivers in covered states if they qualify for discounts and can get a decent rate.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Hanover insurance: Frequently asked questions
Is Hanover a good insurance company?
Hanover insurance may be a good choice for drivers in covered states given their extra coverage options and favorable discounts. However, it may not be the best fit for those seeking lower-than-average rates.
How much is Hanover insurance?
According to The Zebra's data, Hanover insurance is on the more expensive side. However, you should always compare personalized quotes from multiple insurers as your unique driving history and chosen coverage level can dramatically affect your actual rate.
What states does Hanover insurance write in?
Hanover Insurance operates in AZ, CA, CT, CO, GA, IL, IN, KS, LA, ME, MD, MS, MI, MN, MO, NH, NJ, NY, NC, OH, PN, TN, TX, UT, VA, WA and DC.
Does Hanover insurance pay out claims?
While excluded from J.D. Power's claims satisfaction survey, Hanover received an Excellent/Good rating from A.M. Best for its ability to pay out claims and has one of the highest Trustpilot review scores we have seen.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.