The Hanover
- Low rate of complaints.
- Lots of coverage options.
- Combination (home and auto) policies available.
- Not available in all states.
- Can't get a quote online.
NerdWallet's take on The Hanover auto insurance
The Hanover earned 4.4 stars out of 5 for a wide range of coverage options, including some that come without additional charges.
Best for: Drivers who want built-in perks and features, with options to add even more.
Not ideal for: Drivers who don’t live in one of the 19 states where The Hanover writes policies.
Where The Hanover car insurance stands out
Built-in benefits. The Hanover Insurance Group packs a long list of extras into its auto insurance policies, with options to add even more.
Where The Hanover car insurance falls short
Limited availability. By only selling auto insurance in 19 states, The Hanover is not available to the majority of drivers in the U.S.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How much does The Hanover car insurance cost?
The Hanover car insurance costs an average of $380 per month or $4,558 per year for a full coverage policy, according to our November 2025 analysis. The national average is $2,300 per year.
Minimum coverage car insurance from The Hanover costs an average of $120 per month or $1,434 per year, according to our November 2025 analysis. That’s compared to the national average of $627 per year.
» MORE: Compare car insurance rates
The Hanover auto insurance rates by age
Insurance companies often connect a driver’s age with driving experience. Because of that, young drivers regularly pay some of the highest rates for car insurance, while older drivers often see the cheapest rates.
With that in mind, here are The Hanover's average car insurance rates for drivers of different ages:
Young drivers. The average cost of The Hanover car insurance for 20-year-old drivers is $9,325 per year, or $777 per month. Thhe national average for this age group is $4,684 per year, or $390 per month.
Adult drivers. The average cost of The Hanover car insurance for 40-year-old drivers is $4,547 per year, or $379 per month. The national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. The average cost of The Hanover car insurance for 60-year-old drivers is $4,082 per year, or $340 per month. The national average for this age group is $1,988 per year, or $166 per month.
- More The Hanover auto rates by age
Age Company median rate National median rate 20 $9,325 $4,684 30 $4,690 $2,375 35 $4,558 $2,300 40 $4,547 $2,232 50 $4,180 $2,074 60 $4,082 $1,988 70 $4,341 $2,125
The Hanover auto insurance rates by driver profile
Your age, location and coverage needs all affect how much you’ll pay for car insurance. But it should come as no surprise that one of the most significant factors is your driving history. For example, drivers with a recent DUI will pay much more for coverage than a driver with a clean record, or even someone with a recent speeding ticket.
Below are The Hanover's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of The Hanover car insurance for drivers with poor credit is $12,659 per year, or $1,055 per month. That's compared to the national average for these drivers, which is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of The Hanover car insurance for a driver with a speeding ticket is $5,678 per year, or $473 per month. The national average for these drivers is $2,931 per year, or $244 per month.
At-fault crash. The average cost of The Hanover car insurance for a driver with an at-fault crash is $5,451 per year, or $454 per month. The national average for these drivers is $3,405 per year, or $284 per month.
DUI. The average cost of The Hanover car insurance for a driver with a DUI is $7,117 per year, or $593 per month. That's compared to the national average for these drivers, which is $4,265 per year, or $355 per month.
The Hanover auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Insuring both your home and vehicle with The Hanover.
Insuring more than one vehicle.
Paying your premium in full, upfront.
Driving a car with anti-theft devices or safety features.
Taking an accident prevention course or teen driver safety course.
If you or someone insured on the policy is a student with good grades or leaves the car at home while attending school.
Having a young driver leave their parents’ policy and get their own Hanover account.
Owning a home.
Getting a quote before you need to renew your policy if you’re switching from a different insurer.
Having a vehicle that your teen driver doesn’t use.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
The Hanover car insurance coverage
The Hanover's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
The Hanover also offers some types of optional coverage, such as:
Accident forgiveness. If you add this to your policy, The Hanover will forgive your first at-fault accident in a three-year period.
Newer car replacement. The Hanover will replace a totaled vehicle with the same make, model, and equipment of that car, but one year newer. This coverage type includes a deductible.
Pet injury protection. This will pay up to $500 for vet fees (or up to $500 for burial fees) if your dog or cat is injured in a covered claim. This is part of The Hanover’s Travel Right Endorsement plan.
Reassurance Plus endorsement. This coverage pays to reinstall an airbag if it deploys accidentally and pays a $10,000 death benefit for each person who dies in a covered wreck. This is included in an Hanover Connections Auto policy.
Original equipment manufacturer (OEM) parts. This coverage means you’ll get original replacement parts for your vehicle after a claim, rather than cheaper third-party parts. You can choose between lifetime OEM coverage or OEM parts coverage, which only includes parts for vehicles within the three most recent model years.
Rental car coverage. If you cause an accident while driving a rental car, The Hanover will pay to repair any damage to the vehicle. The insurer will also cover loss of use fees, diminished value, and other expenses tied to having an accident while driving a rental vehicle. This is also part of The Hanover’s Travel Right Endorsement plan.
Transportation expense. This optional coverage pays for travel expenses — like rental car charges — while your car is in the shop after a covered accident.
Trip interruption coverage. If you opt into The Hanover’s Travel Right Endorsement plan, this will cover up to $1,000 in lodging and travel expenses if you are in an accident more than 100 miles from home.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
The Hanover's SmartPath program
The Hanover’s SmartPath app monitors teens’ driving behaviors, such as braking, speeding and distraction. If the app shows they’re driving safely, then policyholders get discounts while teens drivers earn Amazon rewards.
Is The Hanover a good insurance company?
State regulators received fewer customer complaints than expected about The Hanover, compared to similar-sized companies, according to data from the National Association of Insurance Commissioners. We see this as a good indicator that drivers are generally pretty satisfied with the service and support they receive from an insurer.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More about The Hanover car insurance
Customer service: Call 800-922-8427 or sign in to use the website’s self-service assistant.
Website: The Hanover’s website offers basic policy information, although it may be hard to find the information you want. You can use the website to report a claim, pay premiums and locate an auto repair shop, but you can’t get a quote or buy a policy online without contacting a local agent.
Mobile app: The Hanover Mobile app 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.
Other The Hanovers insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
What is The Hanover Insurance Group?
What is The Hanover Insurance Group?
The Hanover Insurance Group is a collection of smaller companies that sell insurance for businesses as well as individual homes, cars and personal items.
How do I get a quote from The Hanover?
How do I get a quote from The Hanover?
You must contact an agent to get a quote. You can find agents in your area on The Hanover’s website.
How do I file a claim with The Hanover?
How do I file a claim with The Hanover?
You can file a claim on The Hanover’s website, through its mobile app or by calling 800-628-0250.
Does The Hanover offer rideshare insurance?
Does The Hanover offer rideshare insurance?
No. To find companies that do, see NerdWallet’s guide to rideshare insurance.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’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 and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
