This is an iconCompetitive packages loaded with coverages
This is an iconMany add-ons available to upgrade a basic policy
This is an iconHigh limit pay-outs


This is an iconLimited discounts
This is an iconMinimal online customer support tools
This is an iconRestricted features in certain states

Hanover’s auto insurance policies are ideal if you drive a lot, if you need to insure multiple vehicles or if you would like to bundle personal property with your car. There are several customizable endorsements available, and bundles are packed full of various coverages. Hanover may not be right, however, if you’re a high-risk driver.

How Does Hanover Auto Insurance Rate?

Hanover, collectively, is highly rated, according to industry-standard reports. But each insurer’s performance may differ from the scores given to the holding company. Since each organization is independent, reviews of a particular insurance company offered by the surveys below are limited.

Customer Satisfaction Rating

You won’t find Hanover listed in J.D. Power’s survey, but Consumer Reports gives Hanover a 74 out of 92.

Customer Complaint Ratio


Regulators with The National Association of Insurance Commissioners (NAIC) provide a public report called the Customer Complaint Ratio. The ratio tracks the number of complaints lodged against an insurance company. The ratio is calculated by dividing each insurer’s index of complaints by the national median average of all insurance companies’ complaints, according to the type of policy. The default national median is one.

Hanover Auto Insurance received a 1.17 ratio according to NAIC’s 2019 index. This rating means that Hanover has slightly more complaints than the national median.

Financial Strength

Hanover’s credit rating is excellent, according to AM Best, the world’s largest credit-rating agency specializing in insurance. AM Best’s Financial Strength Rating indicates the fiduciary health of a particular insurer. A high rating means that a certain insurance company is qualified to meet its financial obligations. Scores aren’t a warranty for any specific policy.


Hanover Insurance Features

Insurance policies with Hanover provide customers with access to many helpful features. Consider these features when comparing Hanover with other car insurance brands.

  • Type of Feature
  • Online Bill Pay
    Hanover customers have the option to pay their bill online. Bank account information can be stored on the customer's Hanover profile for easy depositing and view bill images, pending payments and account history.
  • Online Claims
    Hanover provides customers with the option to file claims online, whenever they need to. Platinum customers have the option to call a special platinum hotline for fast access to the claims process.
  • Payment Options
    Customers can opt to pay their bills with a card or directly via their bank account.
  • Mobile App
    Hanover customers can utilize the Hanover Mobile app for easy access to their accounts when they're away from their home PC. Customers can quickly consult their policy information, request roadside assistance, file claims through the app, and other helpful features.

Hanover Auto Coverage

Depending on where you live, a certain level of auto protection is required. Liability coverage, which includes bodily injury and property damage, is typically mandatory in most states.

If you have a loan or a lease for your vehicle, you’re usually contractually obligated to purchase comprehensive and collision coverages, but they’re typically optional services with most policies. Medical payments or personal injury protection (PIP) and uninsured motorist protection are other common add-ons.

  • Type of Coverage
  • Collision
    Collision helps pay for repairs to or replaces your car if it's damaged in an accident with another vehicle or object. Lenders usually require you to add this to your policy, although it's technically an add-on.

Optional Insurance Features and Coverage

The more exclusive tiers include coverage enhancements and more optional a la carte add-ons to choose from, such as accident forgiveness to pet injury to home care services coverage and more.

  • Type of Option
  • Rental Reimbursement
    This extends transportation expense coverage. It pays for your daily rental limit for the duration of repairs, or it replaces your vehicle.
  • Accident Forgiveness
    If you incur your first claim in any 36-month period, no surcharge or increase in premium will be added to your policy because of that incident.
  • New Car
    If you wreck your car within one year of the purchase or accumulate 15,000 miles or less, whichever comes first, Hanover will replace your vehicle without deduction for depreciation.
  • Accidental Death Dismemberment
    Pays $10,000 for each family member or insured victim of an automobile accident. A caveat: He or she must have been wearing a seat belt at the time of the collision.
  • Other
    Hanover also provides added features and coverages for pet injury, trip interruption, home care services, and accidental airbag deployment.

Available Discounts on Hanover Car Insurance Coverage

Hanover’s safe driver and vehicle discounts don’t compare to its generous policies. Details aren’t provided, so you need to speak with an agent to find out more.

  • Type of Discount
  • Good Student
    A discount may apply if you maintain good grades.
  • Anti Theft
    If you install anti-theft devices, a discount may apply.
  • Multi Policy
    Insure more than one vehicle and you may qualify for a discount.
  • Away At School
    You’re eligible for this discount if an insured driver is a student who moves away to school and only uses the car while at home during school vacations and holidays.
  • Pay In Full
    Pay your premium in full and you receive a discount.

Other Hanover Insurance Products

Hanover’s Platinum protection extends to its portfolio of other insurance products. Competitive high limits are available for personal property protection. Hanover also has many business insurance offerings.

  • Type of Product
  • Homeowners Insurance
    Hanover homeowner’s insurance options are available for single-family homes, condominiums, apartments and renters. Hanover’s Prestige line is for higher-value homes.
  • Umbrella Insurance
    Hanover’s umbrella policy helps protect against liability and litigation contingencies beyond the coverage of other policies. Limits are from $1,000,000 up to $10,000,000.
  • Personal Property Insurance
    Added protection for your valuables. Up to $50,000 for jewelry, silverware, fur and fine arts is paid-out. For musical instruments, cameras, computer equipment, firearms, china and crystal and golfer's equipment, the maximum is $20,000.
  • Business Insurance
    Offers a spate of commercial insurance for small, mid-size and industry-specific enterprises.
  • Identity Theft Insurance
    Includes restoration services, expense reimbursement, document replacement assistance and access to identity protection consultation.

How to Make a Car Insurance Claim With Hanover

You can file a claim over the phone or online 24 hours a day. You can call the general claims hotline at 1-800-628-0250. There’s a separate number for Platinum service. To reach that number, call 1-800-799-6977. Or you can file a claim online through Hanover’s web form.

Contact Hanover Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Eric is a senior writer and content strategist who writes about personal finance, insurance, real estate, investing and more. His lived experience informs his expertise on these topics: Eric served as a Licensed Real Estate Salesperson for Century 21 Metropolitan in New York City and sold commercial, residential and rental real estate. He also holds an Investment Foundations certification issued by the CFA Institute. Eric earned his Master of Science in Interactive Media from DePaul University.