The Hanover Insurance Review for 2025 (Ratings & Cost)
Our The Hanover insurance review found it offers minimum coverage starting at $103 per month, with competitive auto, home, renters, and business insurance options. The Hanover Insurance Group provides broad protection across personal and commercial lines, plus bundling discounts of up to 20%.
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
UPDATED: Jul 12, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 12, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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The Hanover Insurance
Monthly Rates:
$103A.M. Best:
B-Complaint Level:
LowPros
- Personalized service through agents
- Connections Auto for teen drivers
- Prestige program for luxury homes
- Bundled billing and claims support
Cons
- Monthly rates exceed competitors
- Coverage is not offered nationwide
- No fully online quote option
Our The Hanover insurance review explains how its agent-driven model and wide-ranging coverage through The Hanover Insurance Group and Citizens Insurance compare to the cheapest car insurance options.
The Hanover Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.2 |
| Business Reviews | 4.5 |
| Claim 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 |
The company offers specialized programs for teen drivers and high-value homeowners, plus auto insurance add-ons like accident forgiveness and roadside assistance.
All policies are sold through independent agents, offering personalized support instead of online quotes. While rates may be higher than the cheapest car insurance providers, this review details where The Hanover adds value through coverage strength and flexible options.
- The Hanover auto insurance rates start at $103 per month
- It offers policies through Citizens Insurance with flexible agent-based support
- The Hanover Insurance Group offers auto, home, renters, and business insurance
You can find affordable auto insurance, no matter your driving record, by entering your ZIP code into our free quote comparison tool.
The Hanover Auto Insurance Rates Compared
Hanover Insurance rates shift quite a bit depending on your age and gender. Young drivers, especially 16- to 18-year-olds, see the highest monthly premiums, with 16-year-old males paying $725 a month for minimum coverage and $1,777 monthly for full coverage.
The Hanover Auto Insurance Monthly Rates by Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $687 | $1,764 |
| 16-Year-Old Male | $725 | $1,777 |
| 18-Year-Old Female | $559 | $1,301 |
| 18-Year-Old Male | $621 | $1,445 |
| 25-Year-Old Female | $143 | $379 |
| 25-Year-Old Male | $151 | $401 |
| 30-Year-Old Female | $133 | $353 |
| 30-Year-Old Male | $141 | $373 |
| 45-Year-Old Female | $117 | $309 |
| 45-Year-Old Male | $115 | $302 |
| 60-Year-Old Female | $103 | $264 |
| 60-Year-Old Male | $107 | $275 |
| 65-Year-Old Female | $116 | $303 |
| 65-Year-Old Male | $113 | $296 |
The Hanover auto insurance coverage can become significantly more expensive for inexperienced drivers. In contrast, drivers in their 60s benefit from much lower rates, around $103 to $116 a month for minimum coverage and under $300 per month for full coverage. Driving history plays a major role as well. A clean record keeps minimum coverage close to $115 per month and full coverage at $302 monthly.
However, a single accident bumps full coverage to $446 a month, while a DUI raises it to $408 monthly. Even one ticket leads to a noticeable increase. The Hanover prices risk aggressively, which rewards safe, experienced drivers with the best auto insurance for good drivers but creates higher barriers for younger or high-risk individuals.
The Hanover Auto Insurance Rates by Coverage
This table shows how The Hanover compares to other major insurers regarding monthly costs. At $115 per month for minimum coverage and $302 monthly for full coverage, The Hanover is on the higher end, especially when you compare it against Geico.
The Hanover vs. Top Competitors: Auto Insurance Monthly Rates
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $115 | $302 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
Companies like State Farm, Progressive, and American Family all offer prices well below The Hanover car insurance average rate across both coverage levels. That’s why it’s important to compare quotes from multiple insurance providers.
If affordability is a key concern, you’ll want to weigh the value of The Hanover auto insurance and its agent-based service with specialized coverage against these lower-priced competitors to see if the extra service justifies the higher cost.
Read More: Hacks to Save More Money on Car Insurance
The Hanover Auto Insurance Rates by Credit Score
This table gives you a good idea of how much your credit score can impact what you’ll pay for full coverage with different insurers. The Hanover charges $128 a month if you have good credit, which puts it somewhere in the middle of the pack, consistent with trends mentioned in The Hanover insurance reviews.
The Hanover vs. Top Competitors: Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $75 | $97 | $135 |
| $72 | $95 | $132 |
| $66 | $84 | $118 |
| $69 | $91 | $127 |
| $60 | $75 | $101 |
| $78 | $104 | $144 |
| $65 | $83 | $114 |
| $68 | $88 | $121 |
| $59 | $73 | $98 |
| $64 | $82 | $112 |
If your credit drops to fair or poor, monthly rates jump to $164 and $228, which is higher than what you’d see from Geico or State Farm. Liberty Mutual and Allstate are the most expensive for drivers with poor credit, going as high as $250 and $243 a month, respectively. So if your credit isn’t perfect, it’s worth comparing closely in our Allstate auto insurance review to see how those differences can really add up month to month.
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The Hanover Auto Insurance Coverage Options
The Hanover offers more than just the basics, and if you’re looking for flexibility in how your policy is built, there’s quite a bit to work with. Whether you need standard liability or more tailored protection, they give you options that aren’t just plug-and-play. Here’s a closer look at some of the key coverage options they offer:
- Standard Auto Coverage: Includes liability, comprehensive, and collision coverage for at-fault accidents, theft, vandalism, weather damage, and collisions — core protection required in most states.
- Motorcycle Insurance: Covers a wide range of motorcycles, with optional coverage for accessories and safety gear.
- Collector Car Insurance: Designed for classic and collector vehicles, this policy offers agreed-value coverage and flexible mileage limits.
- Off-Road Vehicle Insurance: Protects ATVs, snowmobiles, dirt bikes, and other off-road vehicles used for recreation.
- Watercraft Insurance: Provides coverage for small boats, jet skis, and other watercraft, including liability, collision, and theft protection on and off the water.
These options are usually arranged through local agents, which means you’ll get a policy built around your needs, not just a standard online quote. This opens the door for personalized tips to pay less for car insurance based on your specific situation, which is frequently noted in Hanover auto insurance reviews by customers.
Other Insurance Products From The Hanover
Beyond auto coverage, The Hanover Insurance Group has a full lineup of policies for homeowners, renters, and businesses. Based on The Hanover homeowners insurance reviews, its property coverage protects everything from the structure of your home to your personal belongings and liability risks. Renters can also find affordable coverage options that guard against theft, fire, and personal liability.
For business owners, The Hanover business insurance options are built for both small and large companies, including those with global operations. It offers tailored commercial packages covering general liability, commercial auto, workers’ compensation, and specialty coverages for industries like healthcare, construction, technology, and marine. It also has cyber insurance policies that help protect against data breaches and online threats.
The Hanover Auto Insurance Discounts
If you’re trying to cut down your premium with The Hanover, there are plenty of discount options worth exploring. Their usage-based car insurance (UBI) program offers the biggest potential savings at 30%, which could be a solid fit if you’re a low-mileage or careful driver.
The Hanover Auto Insurance Discounts
| Discount | |
|---|---|
| UBI | 30% |
| Bundling | 20% |
| Good Driver | 20% |
| Good Student | 15% |
| Multi-Car | 15% |
| Defensive Driving | 10% |
| Federal | 10% |
| Loyalty | 10% |
| Safe Driver | 10% |
| Pay-in-Full | 8% |
| Auto Pay | 6% |
It also offers 20% off for bundling policies or maintaining a clean driving record, and you can stack on additional savings for being a good student, insuring multiple cars, or completing a defensive driving course.
Even smaller discounts like auto-pay or paying in full can add up. If you qualify for several of these, it’s definitely worth asking your agent to walk you through how much you could save, especially when weighing your potential premium against the Hanover insurance rating for value and service.
The Hanover Insurance Ratings & Consumer Reviews
The Hanover Insurance Group scores well when it comes to customer service and business practices. J.D. Power gives it an 835 out of 1,000 for overall satisfaction, which is comfortably above the industry average compared to other insurers (Learn More: How to Compare Auto Insurance Companies).
The Better Business Bureau rates the company A+ for strong business ethics and responsiveness, while Consumer Reports gives it a solid 78 out of 100 based on customer feedback. On top of that, The Hanover Insurance Group review from the NAIC shows it has fewer complaints than the typical insurer, which is a good sign if you value a smooth claims process and consistent service.
The Hanover Insurance Business Ratings & Consumer Reviews| Agency |  |
|---|---|
 | Score: 835 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 78/100 Good Customer Feedback |
 | Score: 0.80 Fewer Complaints Than Avg. |
 | Score: B- Fair Financial Strength |
Where The Hanover falls a bit short is in financial strength. A.M. Best gives it a B-, which isn’t bad, but it’s not as reassuring as the A or A+ ratings you’ll find with some larger national insurers. The Hanover home insurance reviews also rank below average for claims and policy satisfaction. However, The Hanover business insurance claims have better reviews.
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Pros and Cons of The Hanover Insurance
The Hanover Insurance Group really shines if you want more than just basic coverage. They’ve built out solid options for things like high-value homes, teen drivers, and business owners.
- Bundled Coverage & Convenience: With Hanover Platinum, you can combine auto and home under one account, with one bill and one claims contact, making management a lot simpler.
- Specialized Programs for Unique Needs: Whether you’re insuring a high-value car or adding a teen driver, programs like Hanover Prestige and SafeTeen offer tailored coverage and extra peace of mind.
- Wide Insurance Selection: Along with car insurance, you can bundle home, renters, cyber, and The Hanover business insurance for bigger discounts and better monthly rates.
That said, it’s not the right fit for everyone. Some drivers may find the higher cost hard to justify, especially if they’re only looking for basic coverage. And depending on where you live, availability could be an issue.
- Higher Rates Across Some Policies: The Hanover’s auto, home, and business insurance rates may run higher than some competitors, depending on your coverage.
- Limited Availability: Hanover doesn’t write policies in every state, so you’ll need to check with a local agent to see if it’s offered where you live.
Overall, The Hanover makes the most sense for people who value hands-on support and tailored coverage options, especially if you’re insuring a high-value home, teen driver, or need affordable auto insurance for luxury and exotic vehicles.
The Hanover Insurance review shows that if you’re willing to pay a little more for added service and bundled convenience, it could be well worth it. Just make sure to speak with a local agent who can walk you through what discounts apply and whether The Hanover fits your coverage needs.
If you’re bundling auto and home, The Hanover’s one-bill, one-claim setup can save you time and reduce hassle. Just be sure to compare agent quotes to maximize discounts.
Melanie Musson Published Insurance Expert
If The Hanover is available in your state and you prefer help from a local agent, it’s worth getting a quote to see how it stacks up. Get the best insurance rates possible by entering your ZIP code into our free comparison tool today.
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Frequently Asked Questions
How long has The Hanover been offering car insurance policies?
The Hanover Insurance Group has been in business since 1852 and has provided auto insurance for decades through its Citizens Insurance division, making it one of the more established insurers in the U.S.
What is Moody’s rating for The Hanover Insurance Group, and how does it impact auto policyholders?
Moody’s currently gives The Hanover a Baa2 rating, reflecting moderate creditworthiness. While not as strong as an A rating, it still indicates that the company is financially stable enough to meet claims obligations.
Is Hanover Insurance Company good for auto insurance coverage?
Hanover is considered a good fit for drivers seeking personalized coverage through independent agents, with standout programs like Connections Auto and Prestige, making it a solid option for those who want comprehensive auto insurance, though monthly rates start around $103 and may be higher than national averages.
Does The Hanover offer coverage for rideshare drivers using Uber or Lyft?
The Hanover does not currently offer rideshare-specific personal policy endorsements. Drivers using their vehicles for Uber or Lyft should consult an agent about commercial or hybrid coverage options to avoid coverage gaps.
What do The Hanover Insurance Group Inc. reviews say about its auto insurance offerings?
Customer reviews highlight strong agent-based service and well-rounded coverage, but also note that premiums are typically higher than competitors, especially for high-risk or young drivers.
How do I get a personalized quote from The Hanover for auto insurance?
To get a quote, you’ll need to contact a licensed Hanover agent. Unlike many competitors, The Hanover doesn’t provide instant online quotes, allowing agents to tailor policies and discounts for each driver’s profile, so it’s smart to get multiple auto insurance quotes to see how it compares.
What do The Hanover Insurance Group employee reviews say about auto claims handling?
Employee reviews often cite solid training and support in the claims department, contributing to above-average service quality, though some employees mention outdated systems that can slow internal processes.
Is Hanover a good insurance company for high-value auto policies?
Yes, through its Prestige program, Hanover offers expanded auto protection for high-value vehicles, which includes additional liability limits, agreed value coverage, and concierge-level service.
How can I file an auto insurance claim with The Hanover?
You can file a claim by calling 800-628-0250 or contacting your agent directly. The process is agent-led and often more personalized than fully digital systems, offering added clarity for drivers who want to understand how to file an auto insurance claim, especially when bundled with other policies.
How do Hanover Citizens Insurance reviews reflect on auto insurance quality?
Hanover Citizens reviews point to strong satisfaction in regional markets, especially where local agents provide hands-on support and policy bundling that includes roadside assistance and rental reimbursement.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
What do The Hanover Insurance Glassdoor reviews reveal about the company culture supporting auto policyholders?
Glassdoor reviews indicate a generally positive workplace culture focused on customer service and claims efficiency, which helps support a more personalized experience for auto policyholders.
Who owns The Hanover business insurance?
It’s all part of The Hanover Insurance Group, an independent, U.S.-based insurer that has been protecting businesses and individuals since 1852.
Who are the leading auto insurance competitors of The Hanover Insurance Group?
Hanover’s top competitors include Geico, State Farm, Allstate, and Progressive auto insurance. These companies offer broader online tools and lower average premiums, especially for drivers with clean records or strong credit scores.
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
