The Hanover Auto Insurance Review for 2025 (Rates, Discounts, & Options)

Our The Hanover auto insurance review highlights its great add-on coverages like OEM coverage, which guarantees original parts for repairs, and its extensive discount list that includes a 20% multi-policy discount

The Hanover is ideal for drivers seeking specialized coverage options, such as their Prestige plan for high-value vehicles, or families with teen drivers who can benefit from the SmartPath monitoring program.

Rating Criteria
Overall Score	4.2
Business Reviews	4.5
Claims Processing	3.3
Company Reputation	4.0
Coverage Availability	4.2
Coverage Value	4.3
Customer Satisfaction	1.9
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.5
Plan Personalization	4.5
Policy Options	5.0
Savings Potential	4.6

However, the company’s rates are generally higher than competitors, and a full coverage auto insurance plan is often more expensive than offerings from other companies. While The Hanover excels in customer service and business practices, it may not be the best choice for those on a tight budget.

If you are looking for cheap coverage, be sure to compare quotes from multiple insurers to ensure you’re getting the best deal for your needs.

The Hanover Auto Insurance Rates

Understanding the factors that impact The Hanover auto insurance rates will help you make informed decisions when choosing your coverage (Read More: How Insurance Companies Calculate Your Car Insurance Rate).

Two immediate factors will be the coverage level you chose, as well as your age. How much is auto insurance with the Hanover? Take a look at the table below for average rates.

In many states, younger drivers and males face higher premiums due to statistical trends. However, these factors are becoming less influential in many areas.

Plus, the level of coverage you buy, the deductible you choose, and add-ons like roadside assistance will all affect your final price.

With The Hanover, and most auto insurance companies, another one of the biggest rate indicators is your driving record.

Take a look at the average rates at The Hanover by driving record below.

A clean record with no accidents or violations typically translates to lower premiums, while a history of at-fault accidents or violations leads to higher costs.

This is because drivers with a history of at-fault accidents and other violations are more likely to be involved in a future accident, costing the insurance company money in claims.

Your vehicle – the make, model, year, and value – also play a big role in your rates. Insuring a high-performance sports car will usually cost more than insurance for a fuel-efficient sedan.

For all these reasons, insurance rates vary drastically from one person to the next.

The Hanover Auto Insurance Rates vs. the Competition

When it comes to The Hanover’s minimum auto insurance coverage, the company’s rates are some of the most expensive at $115 per month.

Other companies like Geico, Travelers, or State Farm will be much more economical for coverage when comparing companies like The Hanover Insurance vs. State Farm.

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$115	$302
	$53	$248

The Hanover’s full coverage auto insurance is also some of most expensive out there, so The Hanover is not the best choice if you are looking for absolute lowest rates. If full coverage is essential and you’re on a tight budget, The Hanover might not be the best fit.

Remember that it’s always crucial to consider what factors can affect your car insurance premium with Hanover or with any other insurer, such as your driving record.

Understanding these factors can help you make informed decisions when choosing your coverage.

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$228	$321	$385	$268
	$166	$251	$276	$194
	$198	$282	$275	$247
	$114	$189	$309	$151
	$248	$335	$447	$302
	$164	$230	$338	$196
	$150	$265	$200	$199
	$123	$146	$160	$137
	$302	$446	$408	$375
	$141	$199	$294	$192

Again, The Hanover is the priciest option on the market on average. But remember, price shouldn’t be the only factor when choosing car insurance.

You should also consider the quality of coverage, customer service, and more at car insurance companies.

Auto Insurance Coverage at The Hanover

If you’re curious about Hanover auto insurance coverage options, there’s a lot to discover. The Hanover car insurance options include coverages like accident forgiveness, liability coverage, rental car reimbursement, personal injury protection, and medical payments (Read More: Does Hanover Insurance Group offer medical payments coverage?).

One standout feature of Hanover is its original equipment manufacturer (OEM) coverage, which ensures you get original parts for repairs after an accident. They also offer new car replacement, deductible dividends, and roadside assistance, providing 24/7 emergency towing services.

For those with high-value cars, Hanover offers Prestige coverage, allowing you to customize your policy. This includes global rental coverage, rental upgrade coverage, travel companion insurance, lifetime OEM coverage, and new car extender insurance.

The Hanover Auto Insurance Discounts

While The Hanover is a pricier auto insurance option, you can lower your rates by applying for several discounts at The Hanover.

See what The Hanover offers its customers below (Read More: What car insurance discounts does The Hanover National Insurance Company offer?).

The Hanover’s largest discount is its multi-policy discount for customers who purchase more than one type of insurance from the company.

If you are interested in a multi-policy discount from The Hanover, make sure to read The Hanover homeowners insurance reviews to see if it’s the right fit for you.

The company also has a program that may interest parents of teen drivers. Hanover offers a program called SmartPath to help parents of teens keep tabs on their driving habits.

With Hanover’s SmartPath program, parents can monitor their teens when they’re behind the wheel to help them stay safe on the road.

How does Hanover SmartPath work? SmartPath allows parents to track their teen’s stops and starts, acceleration, overall speed, and the time of day they drive. This information can help you coach your teen to become a safer driver.

Still, SmartPath is just one tool. It’s important to talk to your teen, set clear expectations, and practice safe driving together. That’s the real recipe for success on the road.

Customer Reviews of The Hanover

The Hanover has mixed reviews on Yelp, with some customers expressing dissatisfaction with rate increases and customer service. Take a look at the Yelp review below for an idea of negative feedback about the company.

Read Sarah B.‘s review of Hanover Insurance on Yelp

You can also check The Hanover Insurance Google reviews or The Hanover Insurance reviews on Reddit for more feedback.

Of course, not all reviews of The Hanover are negative from customers buying coverage or filing claims at The Hanover (Read More: How does Hanover Insurance Group handle claims involving hit-and-run accidents?).

Customers have commented on the ease of signing into the My Hanover Policy on the website of using The Hanover mobile app to check on the status of their claim and the agent’s helpfulness.

Positive feedback is also provided by customers who scored better deals at The Hanover than at other popular companies.

Business Ratings of The Hanover

To really see if Hanover is a good insurance company for you, it’s also important to look at several The Hanover insurance ratings from businesses for financial strength and customer service.

See ratings from top businesses for The Hanover car insurance below.

Agency
	Score: B- Fair Financial Strength
	Score: A+ Excellent Business Practices
	Score: 78/100 Good Customer Feedback
	Score: 835 / 1,000 Above Avg. Satisfaction
	Score: 0.80 Fewer Complaints Than Avg.

When it comes to Hanover insurance ratings, the company has a lot to be proud of. According to the National Association of Insurance Commissioners (NAIC) Complaint Index report, The Hanover performs well in terms of complaints for its private passenger product. With a complaint index of 0.80, The Hanover receives fewer complaints than expected for a company of its size for its services.

However, Hanover has a lower A.M. Best rating of B- or Fair, indicating its financial management and ability to pay out claims when needed isn’t as strong as it should be.

Read More: How to File a Car Insurance Claim With The Hanover National Insurance Company

The good news is that The Hanover insurance BBB rating is an A+ rating, which means that despite a lower financial strength score, it still has excellent business practices.Overall, Hanover has good business practices and a low complaint index, suggesting that it could be a good insurance company to consider.

The Hanover Pros and Cons

The Hanover has several benefits and drawbacks, which are important to consider when choosing coverage. Some of the positives we found while reviewing The Hanover include:

• High BBB Rating: The Hanover has a great rating from the BBB for business practices.
• Large Bundling Discount: Customers can save 20% on their policy at The Hanover by bundling insurance.
• Coverage Variety: The Hanover has multiple add-on options, like OEM coverage, that you can add to your policy (Learn More: Can I change my Hanover Insurance Group car insurance coverage at any time?).

The Hanover has some great pros, especially for those interested in specialty coverages, but there are some downsides to consider as well.

• High Average Rates: The Hanover is pricier on average than its competitors, especially for young drivers.
• Low A.M. Best Rating: A B- rating from A.M. Best isn’t great and shows The Hanover could improve its financial stability.

It’s crucial to weigh these factors before deciding on The Hanover. While they may be ideal for those seeking reliable service, they are less appealing for those looking for a more budget-friendly option.

History of The Hanover

Hanover Insurance group has a rich history, stretching back over 170 years, that tells a story of protecting people and businesses just like yours.

It all started in 1852 in the heart of New York City. John Wyckoff, the company’s first president, had a vision: prudent risk-taking and long-term commitment. That meant making smart choices, investing wisely, and building trust with their customers.

One of the company’s first moves was appointing an independent agent. As America expanded westward, so did Hanover. The company wasn’t afraid to venture into new territory, setting up agencies and protecting pioneers on the frontier.

And that’s just the beginning of Hanover’s story. Hanover has grown significantly, expanding its range of insurance products to cater to its diverse customer base. The company offers a wide array of options for auto insurance and discounts, providing policyholders with plenty of choices to meet their specific needs (Read More: Get Low Cost Car Insurance with Driver Discounts).

See if The Hanover is the Best Auto Insurance Option For You Today

Our The Hanover auto insurance review found it best for customers looking for unique coverages like the company’s unique OEM coverage, which ensures repairs are made with original parts. It also has great programs like the SmartPath monitoring program for families with teen drivers.

However, a major drawback of The Hanover is its lower A.M. Best rating, which shows the company isn’t as financially stable as it should be. The Hanover also has expensive rates for auto insurance, so customers may be overpaying (Learn More: Stop Overpaying For Auto and Home Insurance).

It’s essential to compare quotes from multiple auto insurance companies to find the best coverage at the most competitive rate, as The Hanover may not always offer the most budget-friendly option for everyone. Enter your ZIP in our free quote tool to get started.