Hanover shines with reliable claims handling, flexible coverage options, and a user-friendly digital experience. While customer satisfaction is generally high, drivers should be aware of slightly higher premiums and occasional delays in claims processing compared with other providers.
Hanover Insurance Review (2026)
- Overall rating: solid (4.2/5 stars)
- Average cost: $2,124 for a 6-month policy
- Digital Experience Score: Exceptional (4.7/5 stars)
Read more below to get a quote directly from Hanover.
Reviewed By Tara Stumpf
Edited By Beth Swanson
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Hanover Insurance: A solid option for drivers
Hanover Insurance earns a solid rating from experts at The Zebra due to its extensive coverage options, flexible policy designs, and reliable claims service.
While premiums are typically above the national average, many drivers appreciate Hanover’s financial stability, dependable service, and customizable coverage.
What customers like:
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Claims convenience: Multiple filing options make submitting claims simple and quick.
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Financial stability: Strong ratings indicate the carrier can pay claims during major events.
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Proactive communication: Regular updates keep you informed without constant follow-up.
What customers don't like:
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Rate hikes after claims: Customers report significant increases post-claim.
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Processing delays: Slow processing delays reimbursement when you need funds.
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App limitations: Poor or missing app forces you to use less convenient methods.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Hanover car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Hanover offers a rate of about $2,124.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Hanover stacks up against competitors →
Discounts offered at Hanover: fewer options than competitors
Hanover provides some ways for drivers to save, including common discounts like multi-policy and paid-in-full options. While the selection is more limited than many competitors, these discounts can still help policyholders reduce their premiums.
Anti-theft devices
Having anti-theft devices in your vehicle can help you save on your premiums.
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.
| Paid in Full Discount | Anti-theft Device Discount |
| Multi-Car Discount | Accident Prevention Courses Discount |
| Good Student Discount | Student Away at School Discount |
To learn more about each discount Hanover has to offer, see their discounts page.
Compare with other companies
See how Hanover stacks up against similar companies
State Farm
Travelers
Hanover
Avg. Cost
The Zebra's Overall Rating
Customer Service
Claims Experience
Digital Experience
Trust & Reliability
More Insurance Products
Financial Strength
Hanover's customer service & claims experience: higher premiums, but reliable
Hanover Insurance offers a comprehensive range of coverage options through a network of independent agents, making it a solid choice for drivers seeking flexibility. The company earns above-average ratings for customer satisfaction and maintains a below-average complaint index, indicating generally positive experiences with claims and service. With strong financial ratings from AM Best, Hanover demonstrates reliability in paying claims. However, premiums tend to be higher than the national average, so while service and stability are strong, cost-conscious drivers may want to compare quotes before choosing Hanover.
Thinking about Hanover?
See what other drivers are asking
Will Hanover cover manufacturer's parts after an accident?
Great question, this is actually a common concern. Hanover’s Prestige option is designed for people with newer or higher-end cars who want better protection than a standard policy usually offers.Here’s what makes it different:OEM parts: Prestige usually covers original manufacturer parts if your SU…
Is Hanover good for new drivers?
Hanover’s rates do tend to run higher than average, and that can feel like a shock if you’re shopping around for the first time. If cheap coverage is your sole focus, Hanover may not be the best deal for you at this point. There are a couple of reasons behind rates you're seeing:Coverage style: Han…
How much will your rates climb after filing a claim with Hanover?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $2,298 |
| One comp claim | $2,574 |
| Two comp claims | $2,726 |
| At-fault accident - $1000-$2000 | $3,280 |
| At-fault accident - greater than $2000 | $3,477 |
Source: The Zebra
Claims process: Reliable service with strong financial backing
Hanover Insurance offers a comprehensive range of coverage options through a network of independent agents, making it a solid choice for drivers seeking flexibility. The company earns above-average ratings for customer satisfaction and maintains a below-average complaint index, indicating generally positive experiences with claims and service. With strong financial ratings from A.M. Best, Hanover demonstrates reliability in paying claims.
Coverage options: Flexible and customizable
Along with standard coverage like comprehensive, collision, liability, medical payments and uninsured/underinsured motorist, Hanover offers flexible policies, allowing policyholders to enhance coverage with optional features.
Final thoughts: Is Hanover Right for You?
Frequently Asked Questions about Hanover
Get quotes from Hanover and other top companies
Sources:
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
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.
