Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
3.4
Rating: 3.4 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.3 stars out of 5
3.3
Cost & ratings
Rating: 3.2 stars out of 5
3.2
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 3.4 stars out of 5
3.4
Home
Rating: 3.4 stars out of 5
3.4
Cost & ratings
Rating: 3 stars out of 5
3.0
Coverage
Rating: 3.67 stars out of 5
3.7
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Although The Hanover's average rates are on the high side, the company offers value with its robust insurance packages, which allow potential policyholders to choose a level of coverage that works for them.
Offers three comprehensive auto insurance packages: Connections, Platinum and Prestige, with unique endorsements and higher policy limits in the higher-tier plans.
The Hanover scored below average in the North Central region for customer satisfaction in the 2024 J.D. Power U.S. Auto Insurance Study.
The Hanover holds an AM Best rating of A (Excellent), indicating historically strong financial stability.
The company offers various discounts, including multi-car, good student and safety device discounts for both auto and home insurance policies.
Auto
Avg. annual premium for full coverage
$5,166
Avg. annual premium for min coverage
$1,403
Home
Avg. annual premium for $300k dwelling coverage
$2,891
New
What's new with The Hanover?
In June 2023, The Hanover announced that it added SimpliSafe — a maker of smart home security systems — to its Partners in Protection program. This program features a group of risk management providers that help customers prevent and recover from losses. Through this partnership, The Hanover's policyholders are able to save up to 60 percent on SimpliSafe home security kits and potentially save money on their policies as well.
The Hanover car insurance review
Each year, Bankrate's insurance editorial team conducts an in-depth study of major insurance carriers to help readers find the best insurance company to meet their needs. Based on our assessment, the Hanover may be a good option for drivers who don't mind paying extra for convenient coverage packages and extra endorsement options. However, although the company offers robust coverage options, its premiums tend to be much more expensive than the national average, and policies are only available in 27 states plus Washington, D.C. These factors contributed to the company's auto Bankrate score of 3.1 out of 5.
The Hanover car insurance comes in three packages: Connections, Platinum and Prestige. Its base-level plan, Connections, has three levels: Connections Auto, DriveSmart and DriveSmart Advantage. Each level has more coverage options than the last, with the DriveSmart Advantage encompassing the most. Some of the features at this highest level include deductible dividends and new car replacement guard, which pays the actual cash value of a one year newer make, model and equipment of your vehicle.
The Hanover's Prestige and Platinum plans may be ideal for drivers who want to take advantage of unique auto policy features. In the mid-level Prestige package, drivers can include an array of optional coverage features that may help make the claims process smoother. These options include upgraded roadside assistance, transportation coverage if the vehicle becomes inoperable and pet injury coverage.
With the Hanover Platinum package, auto and home insurance are bundled. The Platinum package provides even higher policy limits and more policy add-ons than the Connections and Prestige plans. Among the many options offered, one standout feature is a single renewal date for both policies.
Pros and cons of The Hanover car insurance
When looking for the best car insurance company, many drivers want more than just cheap premiums. When comparing car insurance rates, you may find it helpful to take note of the other benefits and drawbacks that come with a carrier.
Pros
Unique endorsements available that you may not find with other companies
Fewer number of private passenger customer complaints than expected, per the NAIC
Multiple car insurance packages available to balance cost and coverage
Cons
Platinum package is only available for home and auto bundles
Hanover car insurance rates are 85 percent higher than the national average
Mobile app is poorly rated
The Hanover car insurance cost
The Hanover's average annual premium for full coverage auto insurance is quite high compared to the national average cost of car insurance. On average, drivers with the Hanover pay $5,166 per year for full coverage auto insurance, while the national average is $2,692 per year for the same coverage level. Minimum coverage costs an annual average of $1,403 with The Hanover, while the national average is $808. However, your actual rates will vary depending on chosen coverage options and discount opportunities, as well as rating factors such as your location, vehicle, driving history and more.
How much is The Hanover car insurance?
Bankrate analyzes proprietary data provided by Quadrant Information Services to track rate trends. As our research shows below, your driving record may significantly impact how much you pay for car insurance. Individuals with a clean driving record are far more likely to earn an advantageous rate than those with infractions on their records.
With a DUI being one of the most serious infractions, you are likely to face a steep increase in your premium rate if you are convicted of one. Some insurers will not write policies for those with a DUI. For more information on how a DUI will impact your insurance with The Hanover, contact your agent directly.
In every state except for Hawaii and Massachusetts, your age will impact how much you spend on car insurance. Generally, younger drivers tend to pay the highest premiums because they are more likely to be involved in a crash. According to the Insurance Institute of Highway Safety (IIHS), teens get into four times as many accidents as any other age group.
However, younger drivers might see lower premiums by being listed as active drivers on their parents' policies rather than purchasing their own. The rates below reflect a clean driving record for young drivers on and off their parents' policy as well as adult drivers on their own policy.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
When comparing car insurance rates, it's important to note that costs vary significantly between companies based on factors like coverage options, location and driver profiles. The Hanover's rates are generally higher than the national average and many other big name insurers. Below is a comparison of average annual costs for full and minimum coverage across 10 companies, highlighting where The Hanover stands in relation to other insurers.
Although The Hanover might not be the cheapest company, it may be a good choice for shoppers who prioritize customer service. To evaluate this vital metric, Bankrate's insurance editorial team looked to third-party scores, like those issued by J.D. Power. Each year, this analytics company conducts several insurance studies and, based on the information it gathers, gives insurance companies scores for customer satisfaction out of 1,000 points.
The Hanover auto claims satisfaction
J.D. Power did not include The Hanover in every region of its 2024 U.S. Auto Insurance Study, probably because it is a smaller carrier. However, in the North Central region, The Hanover scored below average in customer satisfaction, with 631 points. For context, the regional average was 652. The Hanover was not included in the 2023 J.D. Power U.S. Auto Claims Study or the 2024 U.S. Property Claims Study.
Lastly, while financial strength may not be directly tied to customer service, if an insurance company has strong financial strength ratings with AM Best, it means that it has historically been able to pay out claims when needed. The Hanover has an AM Best rating of A (Excellent).
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 631 to 697.
End of interactive chart.
The Hanover auto insurance customer complaints
We also analyzed the National Association of Insurance Commissioners (NAIC) Complaint Index report. Here, The NAIC keeps track of the complaints it receives about insurance companies and issues them a complaint index. A complaint index score of 1.00 represents the baseline, or average, number of complaints. A score higher than that means that the company has more complaints than average based on its size, and vice versa.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.4 to 0.59.
End of interactive chart.
The Hanover car insurance discounts
If you're looking to save money on car insurance you may be interested in a company's discount opportunities. Depending on which of The Hanover plans you choose for auto insurance, the following discounts may be available:
Multi-car discount: If you have more than one vehicle on your car insurance policy, this discount could be applied to your premium.
Good student discount: Young drivers who maintain a high GPA could save on their car insurance policy.
Accident prevention courses discount: Drivers could add another discount to their car insurance by taking courses that The Hanover has approved.
Student away at school discount: If your child is in college and lives away from home without a vehicle, you may earn a discount on your policy. Eligibility restrictions may apply, so please contact an agent for complete details.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with The Hanover
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The Hanover home insurance review
Like its car insurance, The Hanover might be one of the best homeowners insurance companies for those seeking prebuilt coverage packages with the option to add unique endorsements. Based on our analysis of average premiums, coverage options, digital presence and more, The Hanover home insurance earned a Bankrate Score of 3.1 out of 5. While the company did well in the coverage category, its overall score was brought down by generally steep premiums, lack of nationwide availability and lower-than-average ratings for its mobile app.
The Hanover takes a similar approach to its homeowners products as it does with its auto by offering the Connections, Prestige and Platinum tiers. Each package offers unique coverage options and may be personalized to ensure the best fit for your homeowners insurance needs. While the Connections and Prestige plans may be suitable for most homes, The Hanover Platinum plan is intended for high-value homes or those who want the most robust coverage. This top-tier plan offers extra policy features, such as ordinance or law coverage, increased water backup coverage and unlimited loss of use coverage if your home is temporarily uninhabitable due to a coverage claim.
Pros and cons of The Hanover homeowners insurance
Comparing home insurance quotes might seem intimidating, but making a list of pros and cons may provide a helpful visual to keep track of the priorities a company does and doesn't meet.
Pros
Low NAIC Complaint Index for homeowners product, indicating customers may be generally satisfied
AM Best financial strength rating of A (Excellent)
Endorsements may allow for policy personalization, especially for those with high-value homes
Cons
Not available nationwide
Homeowners rates are 59 percent higher than the national average
The Hanover home insurance was not rated by J.D. Power in 2023
The Hanover home insurance cost
The Hanover's average premiums for home insurance are also higher than the national average cost of home insurance. The average cost of The Hanover's home insurance policy with $300,000 in dwelling coverage is $2,891 per year, while the national average is $2,329 per year.
$150K dwelling
The Hanover average premium
$1,684
National average premium
$1,437
$300K dwelling
The Hanover average premium
$2,891
National average premium
$2,329
$350K dwelling
The Hanover average premium
$3,292
National average premium
$2,600
$450K dwelling
The Hanover average premium
$4,066
National average premium
$3,141
$750K dwelling
The Hanover average premium
$4,737
National average premium
$4,437
Compare The Hanover homeowners insurance rates
When shopping for homeowners insurance, it's important to recognize that rates can vary significantly from one provider to another based on a multitude of factors. These can include the location of your home, the value of the property, your coverage needs and your individual risk profile. Unfortunately, The Hanover tends to be on the pricier side compared to many major insurers.
To give you a clearer picture, we've compiled a table comparing average annual homeowners insurance costs among 10 prominent insurance companies.
Understanding third-party ratings is crucial when evaluating home insurance companies. These ratings provide insight into a company's customer service, claims handling and overall reliability. Organizations like J.D. Power, AM Best and the National Association of Insurance Commissioners assess various aspects of insurance companies to help consumers make informed decisions.
The Hanover is not included in the 2024 J.D. Power Property Claims Satisfaction Study, which evaluates customer satisfaction with the claims process of major insurance providers. This absence means there isn't a direct comparison to other companies in that specific study. However, other ratings and reviews can still offer valuable insights into The Hanover's performance in customer satisfaction.
When looking at AM Best ratings, for instance, one can gauge the financial strength and stability of an insurance company. A higher rating indicates a stronger ability to meet policyholder obligations. Similarly, the NAIC Complaint Index provides a look at the volume of complaints relative to the company's size, helping to highlight potential areas of concern in customer service or claims handling.
Evaluating these ratings collectively can help paint a more comprehensive picture of The Hanover's reputation and reliability in the home insurance market.
The Hanover home insurance customer complaints
Homeowners seem to be generally satisfied with the service they receive from The Hanover. Although its NAIC score spiked in 2023, the company has rated below average for customer complaints for the last three years.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.49 to 0.91.
End of interactive chart.
The Hanover home insurance discounts
Although average home insurance premiums from The Hanover may be more expensive than other companies, it does offer some discount opportunities, including:
New home discount: Depending on how recently a home was built, this discount may save you money on your premium.
Safety and security devices discount: The Hanover may add this discount to your homeowners insurance policy if certain devices, such as smoke detectors and central alarms, have been installed inside the home.
Affinity groups discount: The Hanover extends discounts to members of certain affiliated companies and organizations.
Home buyer discount: You may earn a discount if your home is a new purchase.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with The Hanover
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare The Hanover with other insurers
Bankrate conducted this insurance review for The Hanover to help you decide if this carrier may meet your insurance needs. If you're still not sure that this is the company for you, you may want to request quotes from some of the companies below.
Featured
The Hanover
Rating: 3.4 stars out of 5
3.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Although The Hanover's average rates are on the high side, the company offers value with its robust insurance packages, which allow potential policyholders to choose a level of coverage that works for them. The Hanover is known for excellent customer service, so if this is something that matters to you, you may want to consider it as your company of choice.
Although its coverage add-on options may not be as diverse as The Hanover's, Travelers offers many discount opportunities, helping it stand among some of the cheapest home insurance companies. Travelers could also be a good choice for environmentally-conscious shoppers as it offers potential discounts for hybrid and electric cars and LEED-certified homes. Travelers is available in more states than The Hanover, but received mostly lower-than-average customer satisfaction scores in the 2024 J.D. Power U.S. Auto Insurance Study.
Individuals affiliated with AARP may find The Hartford to be a good fit for their needs. Not only do AARP members have special access to insurance through The Hartford, but they also get a myriad of membership benefits. Like The Hanover, The Hartford does not offer many unique discounts, but it does have various endorsements for policy customization, including roadside assistance, gap insurance and glass coverage.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is The Hanover a good insurance company?
Our insurance editorial team includes three licensed agents. Through our agency experience, we know that choosing the best insurance company isn't always easy — that's why we conduct exhaustive company reviews.
Whether The Hanover is a good company for you may depend on what you're looking for. If price isn't your primary concern and you're willing to pay extra for robust coverage and high-level customer service, then The Hanover might be a good fit for you. However, you may have better options if you're shopping on a strict budget or prefer a company with comprehensive digital tools. Additionally, The Hanover isn't available nationwide.
What are real-life customers saying about The Hanover?
To provide more insight into The Hanover customer experience, we searched Trustpilot and Reddit for real customer reviews. These platforms allow users to share their firsthand experiences, offering valuable perspectives on what it’s like to have an insurance policy with The Hanover.
Trustpilot User 1*
Jul 8, 2024
Great claims experience
The claim was processed very quickly and with great communication from all parties involved. Excellent customer service.
Nice premium first year, then a big jump for no reason. My car didn't even need an emission test because the mileage was so low, but I got a significant premium increase of over 10 percent in year 2.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Payment mailing address: The Hanover Insurance Company P.O. Box 580045 Charlotte, NC 28258-0045
State availability
The Hanover offers policies in 27 states — AZ, CA, CT, CO, UT, GA, IL, IN, LA, ME, MD, MA, MI, MN, MO, KS, NH, NJ, NY, NC, OH, PA, TN, TX, VA, WA, WI — and Washington, D.C. Not all policy types may be available in all states.
The Hanover tools and benefits
In addition to home and personal auto insurance, The Hanover also offers other insurance policies and a few benefits that may interest customers. These include:
Car rental services: Those who rent cars often may benefit from The Hanover's partnership with National Car Rental. The Hanover policyholders are considered members of the National's Emerald Club Executive program and can rent any vehicle in the executive area for the midsize rate in the U.S. and Canada.
Homeowner partnerships: The Hanover partners with multiple companies through its Partners in Protection program to provide discounted pricing and additional benefits to home insurance policyholders. These partnerships include home repair services with Porch, discounts on security kits with SimpliSafe, arborist care with HMI, water and plumbing service with Leak Defense and Flo by Moen.
Umbrella insurance: Policyholders who want extended liability protection may consider purchasing a separate umbrella policy.
Watercraft: If you own a boat, The Hanover could provide additional protection, including coverage for fishing equipment, recovery and salvage, and towing and assistance.
Recreational vehicles: This policy from The Hanover is intended for vehicles such as golf carts and snowmobiles, as well as ATVs, antique vehicles, motorhomes and more. Coverage for these vehicles can be included through an active auto or home policy with the Hanover.
Motorcycle: The Hanover has several levels of coverage for motorcycle riders, from base coverage to a Prestige package.
Cyber: Cyber insurance to protect you from cybercrime is available from The Hanover up to $100,000. This insurance covers cyberattacks, online fraud, data breaches and more.
Renters: The Hanover offers both basic renters insurance as well as select coverage that includes identity fraud protection and lock replacement.
Valuable items:This coverage protects you against the loss of jewelry, silverware, musical instruments and more. The Hanover offers several levels of protection with the ability to customize your policy as needed.
Business insurance: Business owners can purchase policies such as general liability, property and professional liability insurance for business from The Hanover.
Mobile app: The Hanover's mobile app allows you to manage your policy via your smartphone. You can view your policy documents, call roadside assistance, file a claim and more through the app.
Frequently asked questions about The Hanover
When you contact The Hanover to file a claim, it will ask for some basic information. For instance, if you're filing a car insurance claim, it will ask you for the date of the accident, the circumstances surrounding the accident and the names and insurance information of the drivers involved. If applicable, it may also ask for corresponding documentation, such as a police report.
When you're ready to file your claim with The Hanover, you can do so by:
Calling the general claims line at 1-800-626-0250
Calling 1-800-799-6977 (if you're a Platinum policyholder)
Calling 1-877-922-2774 (if you're a Prestige policyholder)
Downloading the mobile app and reporting it via smartphone
Logging into your online account and reporting the claim there
The Hanover highlights its diversity and inclusion efforts for its employees on its website. From 2018 to 2022, it earned a perfect score from the Human Rights Campaign Foundation's Corporate Equality Index for policies and practices that make it an LGBTQ-friendly and equal workplace.
The Hanover has also partnered with United Way through donations and employee participation to support United Way's network of nonprofits. Additionally, The Hanover's wholly-owned investment management company, Opus Investment Management, Inc., released its investment policy showcasing its approach to investing with social, environmental and governance.
Even though The Hanover is unrated by J.D. Power for claims satisfaction, The Hanover's low ranking with the National Association of Insurance Commissioners indicates that the company has far fewer complaints than the industry average, and The Hanover insurance reviews are generally positive. This suggests that the majority of The Hanover's policyholders are happy with the quality of service they receive. Your own claim satisfaction may depend on the type of policy you have and the complexity of your case.
Your home and auto rates will vary greatly from the national average based on your personal rating factors, but to give you a point of comparison, average full coverage auto rates from the Hanover are 92 percent more than the national average of $2,692 per year. Average annual home insurance rates for a policy with $300K in dwelling coverage are 24 percent more than the national average of $2,329 at $2,891.
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
Other profiles
These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
Additional profiles:
Coverage A, Dwelling: $150,000, $350,000, $450,000
Coverage B, Other Structures: $15,000, $35,000, $45,000
Coverage C, Personal Property: $75,000, $175,000, $225,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
Overall rating
Pie chart with 5 slices.
End of interactive chart.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about The Hanover
The Hanover has 50 reviews
Dive into community reviews below and see what others think about The Hanover.
4.1
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
78% of consumers recommend this insurer
Score breakdown
5 stars
44%
4 stars
34%
3 stars
16%
2 stars
4%
1 star
2%
Score by category
Overall rating4.1 / 5
Original cost3.9 / 5
Coverage4.2 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about The Hanover.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have fair pricing with no gimmicks.
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They provide good coverage for a decent price.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Service is adequate and the cost and comparison to other companies exceeds expectations
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I did my research and chose them because of their competitive rates
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I have had Progessive in the past it’s been very expensive and exhausting when my bill is due because I’m paying so much for my coverage
Insurance Type
Home
Score by category
Original cost1/ 5
Customer Support2/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I just thought it was right for me
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They’re wonderful and great people to work with
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their website is easy to navigate.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I've had no unexpected premium increases.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I switched because they offered a better deductible.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
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