The Hanover Home and Auto Insurance Review
- Cheap home insurance in Michigan
- Cheap car insurance in Rhode Island
- Few customer complaints
- High rates in Massachusetts
- Satisfaction ratings are below average
- Limited online shopping
Is the Hanover a good insurance company?
Hanover is a good home and auto insurance company, but not a great one. It offers basic coverages and a few cool extras that can come in handy.
Although Hanover insurance is affordable in some states, it is expensive in others. Its Citizens brand has the cheapest home insurance in Michigan. However, its home and auto rates are higher than average in Massachusetts.
Customers have mixed reactions to their experiences with Hanover. The National Association of Insurance Commissioners (NAIC) gives the company an excellent complaint rating
Hanover insurance ratings
| Rating | Hanover’s score | Industry average |
|---|---|---|
| Auto complaints* | 0.49 (Excellent) | 1.0 |
| Home complaints* | 0.41 (Excellent) | 1.0 |
| Auto satisfaction** | 631 (Below average) | 652 |
| Home satisfaction*** | 617 (Below average) | 640 |
Hanover car insurance rates
Hanover has cheap full-coverage car insurance at $1,453 a year, or $115 a month. This is 31% less than the national average for full coverage
The company also offers cheap liability insurance at $353 a year, or $29 a month. This is 57% less than the national average for liability car insurance ($69 a month).
Hanover auto rate comparison
| Company | Annual full coverage | Annual liability | LendingTree score | |
|---|---|---|---|---|
 | Erie | $1,375 | $516 |  |
| Hanover | $1,453 | $353 |  |
 | Country Financial | $1,491 | $679 |  |
 | State Farm | $1,604 | $661 | |
 | Auto-Owners | $1,740 | $632 |  |
 | Travelers | $1,806 | $792 | |
 | American Family | $2,019 | $751 | |
 | Progressive | $2,078 | $801 | |
 | Geico | $2,109 | $797 |  |
 | Nationwide | $2,402 | $1,024 |  |
Although Hanover’s average auto insurance rates are cheap, its prices vary by state. For example:
- It charges $185 a month for full coverage in Massachusetts, which is 28% higher than the state average ($145 a month).
- Its $57 a month rate for full-coverage car insurance in New Hampshire is 47% less than the state average ($107 a month).
Along with your location, your driving record and age also impact your car insurance rate. In most states, your credit history does, too, and each company’s rates vary by customer. This makes it good to compare car insurance quotes from a few different companies.
Hanover car insurance quotes for a bad driving record
Hanover has relatively cheap car insurance quotes for a bad driving record. It charges drivers with a speeding ticket $188 a month, which is 13% less than the national average. Its DUI car insurance rates beat the national average by 45%.
Auto insurance rates for bad driving
| Driving record | Annual full coverage | U.S. average | Difference |
|---|---|---|---|
| Ticket | $2,251 | $2,591 | -13% |
| Accident | $2,500 | $3,147 | -21% |
| DUI | $2,142 | $3,891 | -45% |
Hanover car insurance rates for young drivers
Hanover also has cheap car insurance for teens. It charges teens an average of $1,052 a year, or $88 a month. This is 61% less than the national average.
The company’s full-coverage rates for teens average $354 a month, or 33% less than the national average.
Teen auto insurance rates
| Policy type | Annual rate Hanover | U.S. average | Difference |
|---|---|---|---|
| Minimum | $1,052 | $2,673 | -61% |
| Full | $4,242 | $6,359 | -33% |
Car insurance discounts from Hanover
Hanover offers a few car insurance discounts that might make its low rates even cheaper. Like most companies, you can get a discount for a car and home insurance bundle.
Most homeowners can bundle their policies together into Hanover’s Platinum package. The company also offers a Prestige package for customers with high-value homes.
Whether you bundle or not, Hanover also gives you discounts for:
- Full payment upfront
- Anti-theft devices
- Multiple vehicles
- Completing an accident prevention course
These discounts are pretty common. It’s good to ask about these and others when you get a car insurance quote.
Young driver discount from Hanover
Hanover has additional young driver discounts for teens and their parents. These include:
- TeenSmart: Teens get a discount for completing AdeptDriver’s teenSmart program.
- SmartPath: Parents get a discount when a teen on their policy drives safely while using Hanover’s SmartPath mobile app. Teens get a gift card for safe driving.
- Safe Teen deductible: The deductible on a parent’s vehicle goes up to $2,500 when it’s driven by the teen. Each driver’s deductible is lower while driving their own car.
- Good student: Young drivers get a discount for getting good grades.
- Away at school: Parents save when a teen on their policy goes off to college without a car.
Hanover’s car insurance coverages
Along with basic car insurance coverages like liability and collision Hanover offers a few cool extras. These include:
- Accident forgiveness
- Original equipment manufacturer (OEM) parts
- Newer car replacement
These are add-ons you can’t get from every company. They can come in handy if you have an accident, but they are not required by law or for a car loan.
Hanover does not offer gap insurance
If you upgrade to a Prestige package, Hanover gives you global rental coverage
Like most other companies, Hanover offers these basic auto insurance coverages:
- Liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Medical payments/personal injury protection
Hanover’s home insurance rates
At $3,253 a year, Hanover’s home insurance quotes are on the expensive side. This works out to $271 a month, which is 16% higher than the national average ($233 a month).
Home insurance rates by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
| Erie | $2,055 | |
| State Farm | $2,427 | |
 | Allstate | $2,560 | |
| Country Financial | $2,827 | |
| Nationwide | $3,055 | |
| American Family | $3,072 | |
| Travelers | $3,149 | |
| Hanover | $3,253 | |
 | Farmers | $3,801 | |
Like its car insurance prices, Hanover’s home insurance rates also vary by state:
- At $285 a month, its rate in Massachusetts is 79% higher than the state average ($159 a month).
- Hanover Citizens charges $84 a month in Michigan, which is 59% less than the state average ($206 a month).
Hanover’s home insurance discounts
Hanover only offers a few discounts to make its home insurance rates cheaper. These include discounts for:
- New homes
- Recent home buyers
- Safety and security devices
- Affinity group or association members
Home insurance coverage options from Hanover
Hanover’s home insurance coverages let you customize your coverage. The most important factors to consider include:
- Scheduled items: This gives your jewelry and other valuables extra protection. Standard home insurance only provides limited coverage for jewelry and other valuables.
- Water backup coverage: Standard policies don’t cover damage from a sewer or drainage failure. This relatively cheap add-on covers cleanup and repair costs for mishaps like these.
- Guaranteed replacement coverage: If the cost of rebuilding your home goes over your policy’s dwelling limit, you normally have to cover the difference. Guaranteed replacement covers this amount for you.
Hanover’s Prestige package includes water backup, guaranteed replacement and other coverages at no extra charge. Platinum customers have to pay extra to add these and other coverages to their homeowners policy.
How to get a Hanover insurance quote
Hanover and Citizens insurance quotes are widely available from independent insurance agents. Its website doesn’t give you quotes. Instead, it helps you find agents near you who can. Many of these agents accept quote requests through their websites.
Independent agents can usually get you quotes from several different companies. This helps you comparison shop.
However, independent agents can’t get quotes from companies with exclusive agents, including State Farm and Allstate. You have to contact these companies or their agents separately.
Methodology
LendingTree gets insurance rates from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of auto and home insurance rates for typical customers in Maine, Massachusetts, Michigan and New Hampshire. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, auto quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with each state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Homeowners insurance policies have the following coverages, limits and deductibles:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.