Editor's Rating

Compared to other car insurance companies, Hanover charged more than usual for both minimum and full coverage. While the company does offer a variety of discounts, its high starting rates reduce the potential impact of these savings opportunities.

According to the data, Hanover Insurance has a mixed customer service record that varies depending on which of its subsidiaries you buy coverage from. The company requires customers to contact an agent from its network of offices to get a quote, but it does provide online bill payment and detailed policy information through its website.

Good for
  • Finding useful add-ons for auto insurance coverage
  • Lowering premiums with many discounts
Bad for
  • Consistently above-average customer service
  • Cheap car insurance premiums

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Best for full coverage

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Hanover Insurance quotes

The cost of Hanover auto insurance tends to be much more expensive than its competitors no matter the coverage level.

On average, the prices we obtained from Hanover Insurance were much higher than its competitors. By comparison, Hanover was more than $1,000 more expensive for a six-month premium than the next- closest competing insurer.

Moreover, the cost of Hanover Insurance remains high for full coverage — $1,500 more expensive than the next-cheapest competitor. For those policyholders who experience an accident, Hanover won't raise its premiums by as much as its competitors, but its prices continue to be very expensive. That's why it's worth getting quotes from the cheapest car insurance companies before signing on with Hanover to find out if you could be getting a better deal.

A bar graph showing the cost of Hanover Insurance
A bar graph showing the cost of Hanover Insurance

Rates shown are for sixth-month premiums

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How do Hanover Insurance quotes compare to other companies?

Insurance provider
Minimum coverage
Full coverage
Full coverage with one accident
State Farm$412$845$1,390

Rates for a six-month car insurance policy

Discounts from the Hanover Insurance Group

Hanover Insurance Group offers a variety of cost-saving opportunities for policyholders. While there are many discounts available from Hanover, the insurer's high premiums could offset the usefulness of the discounts. Policyholders could save with Hanover Insurance by:

  • Bundling auto and home policies
  • Paying premiums for new auto policies in full
  • Installing anti-theft devices
  • Owning a car with enhanced safety features
  • Insuring more than one vehicle with Hanover
  • Completing an accident prevention course
  • Having a clean history of prior insurance coverage
  • Maintaining high grades in school
  • Having an insured student away at college who seldom drives

Hanover Insurance coverage

Hanover Insurance offers multiple extra forms of coverage that policyholders can add onto their regular car insurance. Like other auto insurance companies, Hanover provides enough coverage to align with their policyholders' required limits of bodily liability and property damage. Additionally, shoppers can purchase the following endorsements:

Roadside assistance: Provides towing and emergency services for stranded drivers and broken-down cars.

Trip interruption coverage: Reimburses you up to $1,000 for lodging, food, travel and rental expenses if a covered loss causes you to become stranded at least 100 miles from home.

Ultimate rental reimbursement: Pays for a daily rental car while your car is in the shop, for up to $3,000.

Rental coverage upgrade: Allows you to upgrade your rental to a luxury or large SUV while your car is being repaired.

New car replacement guard: Replaces your car if it's damaged within one year of purchase, or before you drive it 15,000 miles, without a deduction for its monetary depreciation.

Second chance accident forgiveness: Helps you avoid a premium increase after your first accident within any three-year period.

Deductible dividends: Reduces your policy's collision deductible to a minimum of $100 in the event you make a claim.

Extended non-owned auto coverage: Provides excess liability and medical coverage for the personal use of a company car.

Pet injury protection: Covers up to $500 in vet expenses and up to $500 in burial costs if your pet is injured or dies as a result of an accident.

Accidental airbag deployment coverage: Pays the cost of reinstalling your airbag if it deploys in an event unrelated to a collision or comprehensive loss.

Accidental death benefit: Reimburses $10,000 to family members if the insured's death results from an auto accident involving a covered vehicle.

Home care services endorsement: Offers up to $2,500 (with a maximum of $500 per month) for essential home-based services if you're temporarily incapacitated after an accident.

Hanover Insurance company reviews

According to the National Association of Insurance Commissioners (NAIC), Hanover Insurance Group's quality of service has produced mixed reactions among its policyholders. Generally, its largest subsidiaries receive fewer complaints for settlements and claims service than anticipated, but its largest, Hanover Insurance Company, receives more. Additionally, the company received an average rating from J.D. Power.

Hanover Insurance Group currently has a stable credit rating from A.M. Best. This means that there's a slightly elevated risk of the company defaulting on its financial obligations relative to companies that receive excellent or superior credit ratings. It's a good idea to be mindful of this when comparing auto insurance providers.

Insurance provider
Number of complaints
Hanover Insurance Co.More than average
Citizens Insurance Co. of AmFewer than average
Citizens Insurance Co. of the MidwestFewer than average
Massachusetts Bay Insurance Co.Fewer than average
Allmerica Financial Benefit Insurance Co.More than average

Frequently asked questions

What is the Hanover Insurance claims contact number?

Hanover's claims contact number is (800)-628-0250, while general questions can be directed to (800)-922-8427.

Can I buy Hanover Insurance windshield replacement?

In some states, you can upgrade your policy to include windshield replacement coverage with no deductible.


We compared rates for minimum and full coverage car insurance for a 30-year-old male driver who drove a 2015 Honda Civic EX. We also tested how one accident would affect Hanover's full coverage premiums. We collected rates in New Jersey, where Hanover Insurance Group's largest subsidiary is among the largest insurers.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.