Hanover Insurance Group offers insurance products for individuals and businesses. The insurance company opened its doors in 1852, and today, Hanover operates in 27 states. Customers can secure various insurance products, from auto policies to home insurance and umbrella coverage.
But since it only operates in 27 states, its auto coverage isn’t accessible to everyone.
Keep reading to learn more about Hanover Insurance, how customers feel about the company, and how its car insurance quotes compare to competitors.
How Hanover compares to other insurance companies
Hanover has higher rates and fewer discounts than companies with similar offerings and availability, like GAINSCO, American Family, COUNTRY Financial, and Erie. But the company is more accessible than other competing insurers, operating in 27 states. Hanover also has customer service and financial strength ratings similar to those of its competitors.
The company holds an AM Best score of A (Excellent) for financial strength, and it was the sixth-highest-scoring insurer in the 2022 J.D. Power study for customer satisfaction, with a score of 843.14
Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States and available discounts to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
How Hanover rates compare to competitors
Hanover Insurance has higher rates compared to its competitors. The company offers full-coverage quotes for $316 per month and liability quotes for $153 per month, on average. Comparatively, its competitor COUNTRY Financial offers full-coverage insurance for $60 per month and liability coverage for $34.
The table below shows how Hanover’s full-coverage rates compare to the company’s competitors.
Average cost of Hanover auto insurance
A driver’s profile greatly affects their car insurance rates. If you have a clean record you can expect to secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim, so they charge higher rates to make up for the possible financial loss.
Age will also affect premiums, with teen drivers seeing the highest rates and senior drivers getting the lowest rates. Younger drivers are more likely to engage in risky driving behaviors and have less experience. Seniors have the most experience, so insurers view them as less of a risk.
The table below shows how Hanover Insurance’s liability rates compare to the national averages for various driver profiles.
Hanover car insurance cost by state
When shopping for car insurance, it’s important to realize that coverage requirements vary by state. A state’s designation as an at-fault or no-fault state can determine the required insurance policy type and minimum coverage limits. The cost of insurance policies may vary based on state laws, driving history, and other factors.
Insurance from Hanover tends to be more expensive compared to other insurers. The table below shows the average monthly cost of Hanover liability car insurance in various states versus the state average liability rates.
Hanover car insurance discounts
Discount options are an important factor to consider when shopping for car insurance. Discounts make it easier to get more coverage without hurting your budget. Hanover Insurance offers the following discounts to customers:
Paid-in-full discount
Anti-theft devices discount
Multi-car discount
Accident prevention course discount
Good student discount
Student-away-at-school discount
Bundle discount for home and auto policies
Auto-pay discount (EFT)
How customers feel about Hanover
Overall, Hanover has high customer service ratings. The company has an A+ rating from the Better Business Bureau and 3.5 out of 5 stars.2 On Trustpilot, Hanover has a very high rating: 4.7 out of 5 stars.3 Additionally, positive NAIC and J.D. Power ratings indicate fewer customer complaints and higher satisfaction than other companies.15
Hanover ratings
Ratings are among the most important factors to review when comparing auto insurance companies.
The NAIC Complaint Index shows how often an insurer receives complaints compared to the national average. Companies with a score of 1 would receive an average number of complaints. The J.D. Power rating considers both quality and dependability scores. Finally, AM Best rates a company based on its financial strength, with the highest industry rating being an A++.
Hanover scored well in all of these categories, showing it’s a financially stable insurer with high customer satisfaction.
Hanover car insurance coverage options
Every state except New Hampshire requires drivers to carry a minimum amount of liability insurance. Hanover offers basic coverages such as liability and full coverage.
Liability insurance helps cover the cost of damages to another party’s car or person in an at-fault accident. Full coverage includes collision and comprehensive coverages. It offers more protection for the policyholder, their personal vehicle, and their passengers regardless of fault.
Hanover offers the following additional coverages:
Hanover also offers some bundles packaged as “Platinum” and “Prestige.”
Platinum: Hanover’s Platinum insurance package includes home, auto, and umbrella policies. Customers get accident forgiveness, car seat replacement, mechanical parts coverage, OEM coverage, rental car coverage, and key replacement. This coverage also includes an array of added protections for home policies.
Prestige: The Prestige insurance package includes global rental coverage, rental upgrades, towing, roadside assistance when traveling, lifetime OEM coverage, and a new car extender policy. It also includes an array of added protections for home policies.
Other options for Hanover customers
In addition to home and auto, Hanover offers the following insurance products:
Motorcycle: The traditional auto policy doesn’t cover motorcycles, but you can purchase a specialty policy for your two-wheeled vehicle.
Recreational vehicles: This covers RVs, trailers, four-wheelers, and snowmobiles.
Umbrella policies: An umbrella policy is extra protection against liability. This coverage kicks in if damages exceed your policy’s limits.
Cyber protection: Protect yourself and your electronic devices against cyberattacks, data breaches, online fraud, and cyberbullying.
Valuable items protection: Hanover offers protection for valuable property, including fine art and jewelry, that may be difficult or impossible to replace.
Home business: Business owners who operate inside their homes and receive regular customer visits should consider a home business protection plan.
Hanover Insurance FAQs
Knowledge is power when purchasing an auto insurance policy. Here are answers to a few more commonly asked questions about Hanover’s services, insurance products, and rates.
Is Hanover legitimate?
Yes. Hanover is a legitimate insurance company that offers products in 27 states. Customers work with independent agents in their state to find the right policy. The company has an A+ rating from the Better Business Bureau.2 While the company does have some complaints about claims, it has a favorable rating overall.
But it’s important to note that Hanover’s BBB profile has a disclaimer for consumer fraud. This doesn’t indicate that the company is committing fraud but that scammers may be using Hanover’s name to perpetrate fraud.2
What is the average cost of Hanover car insurance?
On average, drivers pay around $316 monthly for a full-coverage auto insurance policy from Hanover. Liability policies cost around $153 per month.
Is Hanover good at paying claims?
Hanover has an A rating from AM Best, which shows that the company is financially stable and capable of paying claims.4 In addition, Hanover has a J.D. Power rating of 843, which indicates high customer satisfaction for claims.1 But the company’s BBB profile includes some complaints regarding speed and claims processing.2
How do you cancel your Hanover insurance policy?
If you want to cancel your policy with Hanover Insurance, you can log into your account on the website to make changes to your policy. You can also call the company’s 24/7 customer service line at 1 (800) 922-8427.
Does Hanover Insurance have good customer service?
Overall, Hanover Insurance has favorable reviews that cite positive customer service. It has an A+ rating from the Better Business Bureau and 4.7 stars on Trustpilot.23 Customers like the friendliness of the customer service agents and its deductible waivers. Common complaints included negative experiences with claims processes and home insurance inspections.
Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
Angela has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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