Hanover Insurance Review
- With 3.1/5 stars in 2025, 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.
-
Many insurance products available
-
Favorable third-party reviews
-
Higher than average rates
-
Not available in all states
Is Hanover a good insurance company?
The majority of The Zebra's review incorporates how well Hanover scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot reviews: 4.7/5
- Hanover earned 4.7/5 stars from Trustpilot[1]
Customer Satisfaction: Above average
- J.D. Power also rated Hanover as Above average in overall auto customer satisfaction[2]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Hanover[3]
Financial Strength: Excellent/Good
- Hanover received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
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 $1,093, whereas Hanover is about $1,687Â or roughly 92%Â 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.Â
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Hanover | $281 |
| Allstate | $201 |
| Progressive | $157 |
| State Farm | $131 |
| GEICO | $129 |
| Nationwide | $123 |
| USAA | $114 |
Source: The Zebra
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.Â
The table below shows Hanover's car insurance premiums for different age brackets.Â
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $920 |
| 20s | $395 |
| 30s | $281 |
| 40s | $270 |
| 60s | $260 |
| 50s | $256 |
Source: The Zebra
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.
Discounts offered
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:Â Your overall premium is lower if you pay for your policy upfront.
- Anti-theft devices:Â Having anti-theft devices in your vehicle can help you save on your premiums.
- Multi-car:Â Having more than one vehicle on your policy will earn you this discount.
- Good student:Â Students who keep up good grades while in school can be rewarded.
- Accident prevention course:Â 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.
Search, compare and buy all on one site. Start saving today!
What types of coverage does Hanover offer?
Hanover offers standard coverage options, including liability, collision, and comprehensive coverages. Additionally, they offer:
- Accident forgiveness:Â With this coverage, your first accident in any 36-month period will not result in a rate increase.
- OEM parts:Â 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:Â 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:Â 24/7 emergency roadside services are available for disabled vehicles.
- Transportation expense:Â 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.
Additional lines of insurance
Hanover offers a long list of insurance products for individuals and businesses.
- Homeowners
- Motorcycle
- RV
- Umbrella
- Watercraft
- Condo
- Renters
- Business owners
- Cyber insurance
- Workers compensation
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
Get quotes from 100+ companies with The Zebra!
Related Content
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.