- Has far fewer than the expected number of complaints to state regulators for auto insurance.
- Has a lot of policy and coverage options.
- Available in 27 states and Washington, D.C.
The Hanover Insurance Group packs a long list of extras into its auto insurance policies, with options to add even more. The company offers auto coverage through independent agents in 27 states and Washington, D.C. The Hanover also sells a wide range of insurance for small and midsize businesses.
People who like an insurance policy with built-in perks and features may find The Hanover to be a good fit.
The Hanover auto insurance
The Hanover auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, The Hanover is among NerdWallet’s Best Car Insurance Companies for 2021.
Common types of car insurance coverage
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.
If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.
Check out the most common types of car insurance coverage below to see how they work:
|Coverage type||What it pays for||Required?|
|Bodily injury and property damage liability||Costs for injuries, deaths or property damage from an accident you caused.||Typically required.|
|Uninsured or underinsured motorist coverage||Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.||Often required.|
|Collision coverage||Repair expenses from traffic-related accidents, regardless of who's at fault.||A car loan or lease may require it.|
|Comprehensive coverage||Repair costs from events outside of your control — including weather events, hitting an animal while driving, theft and vandalism.||A car loan or lease may require it.|
While The Hanover offers the usual coverages, including liability, comprehensive and collision under its Connections-branded policies, it focuses on packages that come with extra features.
Hanover Platinum includes the following additional features in most states the company serves:
- A deductible waiver means you have only one deductible if an incident damages more than one insured item. For example, if a falling tree crushed two of your insured cars, you’d be responsible for only one deductible. And if the tree demolished your garage as well, you’d still have only one deductible as long as both your home and auto coverage came from The Hanover.
- Child car seat replacement will pay up to $300 with no deductible to replace a car seat that’s damaged in a covered accident.
- Original equipment manufacturer parts coverage provides replacement parts from your car’s manufacturer if you’re in a covered wreck, rather than less expensive aftermarket parts. Your car must be no more than 3 model years old.
- Mechanical parts replacement pays out after a covered accident to replace parts like tires and batteries with new ones rather than reducing the payout for wear and tear.
- Key replacement coverage pays up to $250 if your car keys are lost, damaged or stolen.
- Upgraded rental car coverage pays a daily amount toward a rental car until yours is repaired or replaced after an accident. The total payout is capped at $3,000, but there’s no cap on the number of days.
The Prestige package, geared toward customers with higher-value homes and automobiles, offers higher coverage amounts or longer terms for some of these options. For example, rental reimbursement has a $6,000 limit and OEM parts coverage isn’t limited to 3 model years.
Auto insurance discounts from The Hanover
Depending on your state, you may be offered discounts or credits for:
- Insuring both your home and auto with The Hanover.
- Insuring more than one vehicle.
- Paying your premium in full, upfront.
- Driving a car with an anti-theft device.
- Taking an accident prevention course.
- Having good grades or leaving the car at home while attending school, if you or someone insured on the policy is a student.
SafeTeen: Families with a teen driver can also qualify for discounts if the teen completes a driver safety course or uses the SmartPath mobile app, which monitors driving habits.
» MORE: Compare car insurance rates
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
The Hanover homeowners insurance
Like its auto insurance, The Hanover offers a basic homeowners policy under its Connections brand. Extended homeowners coverage can come in packages that include lots of extras in addition to standard protections for your home. To learn more, see our Hanover home insurance review.
Complaints about The Hanover
The Hanover had fewer than the expected number of complaints to state regulators for a company of its size for auto insurance, according to the National Association of Insurance Commissioners.
More about The Hanover insurance
Website: The Hanover’s website has basic information about policy options, not only for auto insurance but also for business coverage. The website lets you report a claim, pay premiums and locate an auto repair shop. However, you can’t get a quote or buy a policy online. For that, you’ll need to connect with an independent agent, and the website can help you find one.
Mobile apps: The Hanover offers several apps, available for both Android and iOS:
- Hanover Mobile allows you to view your policy, make payments, submit claims and call for roadside assistance. In most states the company serves, you can also view your insurance ID card.
- Hanover Snap Claims Inspection lets you upload photos to get a repair estimate after an auto claim has been started.
- Hanover SmartPath monitors teens’ driving behavior, such as braking, speeding and distraction. Policy discounts are available for users in most states the company serves, and teens can earn Amazon rewards if the app shows they’re driving safely.
Other insurance types: In addition to auto and homeowners coverage, The Hanover offers several other types of insurance, sometimes through third parties. You can get these types of insurance through The Hanover:
|Other insurance offered from The Hanover and third parties include:|
|Renters||Motor home, RV and trailer|
|Boat and personal watercraft||Identity theft (from CyberScout)|
|Umbrella||Business and commercial auto|
* Policies written by American Modern
Recap: The Hanover pros and cons
|Complaints are low.||Not available in all states.|
|Lots of coverage options.||Can't get a quote online.|
|Combination (home, auto and umbrella) policies available.|
Auto insurance ratings methodologyNerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.