Hanover Auto Insurance Review: Quotes and Service (2024)

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 car insurance company offered by the surveys below are limited.

Car insurance quotes for a sample driver in Michigan were acquired from Hanover and averaged. Insurance in Michigan is very expensive, so initially, the premiums seemed high; however, they are moderately affordable in that state. The average cost of car insurance from Hanover is $8,393 a year, which is neither cheap nor expensive, compared to other insurance providers in the state.

Except for young drivers, Hanover isn't expensive or inexpensive for most drivers. Young drivers are rated inexpensive, while those with prior traffic convictions or drivers seeking minimum or full coverage insurance policies will find Hanover premiums neither expensive nor inexpensive.

Shop around and compare quotes to get the cheapest car insurance. However, the cost should not be the only factor you consider when looking for car insurance. Take a look at the insurer’s complaint rates, customer satisfaction and other metrics which are used to measure a provider’s total value to you.

Young drivers can find inexpensive insurance through Hanover, while those buying minimum or full coverage and drivers with traffic violations will find the premiums neither expensive nor cheap. Because young drivers are inexperienced, their car insurance premiums are often very high. Comparison shopping, in this case, can save you a lot of money.

Remember that insurance company rating calculations aren't at all clear, and your premiums can be affected by everything from your credit score and driving history to your age and where you live.

Like all insurers, Hanover offers standard car insurance coverages such as liability insurance, comprehensive and collision insurance.

Additionally, their customers may opt for typical add-on coverages such as roadside assistance, rental and travel reimbursement, accident forgiveness and deductible modification. While Hanover does not provide the option to add new car replacement coverage, it does offer newer car replacement coverage.

Another add-on coverage option that the insurer offers is OEM. Original equipment manufacturer coverage is not commonly offered by most car insurance policies. The value of it is that you get the original replacement parts for your vehicle. In other words, replacement parts will match the brand of your vehicle and usually come with a warranty.

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

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.

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.