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State Auto vs. Hanover Insurance
Which insurance provider is right for you? Compare plans, price, and quotes from State Auto and Hanover.
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State Auto vs. Hanover: What You Need to Know
In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.
In 1852, The Hanover Fire Insurance Company opened in Manhattan at Hanover Square. Author Washington Irving was one first investor. In 1864, while the U.S expanded West, The Hanover formed a general agency to service settlers. In 1866, 1800 buildings burned down in Portland, Maine. The Hanover paid all claims and helped rebuild the city. In 1871, the Great Chicago Fire destroyed more than three square miles of the city. There was $3 billion worth of losses, but the Hanover met all claim obligations. In 1872, a fire in Boston, Massachusetts burned down nearly half the city, but the Hanover paid all claims.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit State Auto Overview and Hanover Overview.
State Auto vs. Hanover: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with State Auto and Hanover. On average, State Auto charges approximately $239.91 per month while Hanover comes in at around $446.34 per month. For State Auto, the cheapest state average is Pennsylvania at $182.82 per month and the most expensive is Texas at $274.72 per month. For Hanover, the cheapest state average is Illinois at $307.00 per month and the most expensive is Connecticut at $794.67 per month.
Average Rate
Average Rate
Average Rate
| State | State Auto | Hanover |
|---|---|---|
| Connecticut | - | $794.67 |
| Illinois | - | $307.00 |
| Michigan | - | $432.92 |
| New Jersey | - | $561.03 |
| New York | - | $448.79 |
| Pennsylvania | $182.82 | - |
| Texas | $274.72 | - |
State Auto vs. Hanover: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that State Auto and Hanover typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | State Auto | Hanover |
|---|---|---|
| 1 Vehicle | $216.93 | $434.77 |
| 2 Vehicles | $275.52 | $644.82 |
State Auto vs. Hanover: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Auto charges $255.91 per month and Hanover charges $588.66 per month for customers who own their home.
| Own/Rent | State Auto | Hanover |
|---|---|---|
| Own | $255.91 | $588.66 |
| Rent | $226.76 | $415.23 |
What is State Auto and Hanover Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how State Auto and Hanover ranked among the industry ratings.
| Comparison | State Auto | Hanover |
|---|---|---|
| Year Founded | 1921 | 1852 |
| A.M. Best Rating | A+ | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Above Average | |
| NAIC Complaint Index | 1.28 | |
| S&P Rating | A |
State Auto or Hanover: Insurance Products Offered
What coverage is available through State Auto and Hanover? Both insurance companies offer Auto, Commercial, Home, Umbrella insurance. Additional products from State Auto insurance also includes Condo and Farm insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit State Auto and Hanover Insurance page.
| Insurance | State Auto | Hanover |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
State Auto or Hanover: Ways To Save
State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. In contrast, Hanover also offers a few discounts that State Auto doesn’t, including Student Away at School, Pay-in-Full, and One Bill discounts. Start taking advantage of discounts offered by insurance providers like Hanover and State Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| State Auto | Hanover |
|---|---|
| Accident Prevention Course | Accident Prevention Course Discount |
| Anti-theft Device Discount | Affinity Groups |
| Driver Training | Anti-theft Device Discount |
| Good Student Discount | Good Student Discount |
| Multi-car Discount | Hanover Platinum Experience |
| Multi-policy Discount | Multi-Car Discount |
| Paid in Full Discount | No-Fee Electric Funds Transfers |
| State Auto Safety 360 | One Bill |
| State Auto Start-Up | Pay-in-Full Discount |
| Student Away at School Discount |
Pros & Cons of State Auto & Hanover
Pros
State Auto
- State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
Hanover
- The Hanover Insurance Group platinum coverages come in a great bundle.
- Useful mobile app
Cons
State Auto
- The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
- Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Hanover
- The Hanover Insurance Group does not offer rideshare insurance or accident forgiveness options.
- Very few discounts
- Hanover Insurance is more expensive than most options and a lower customer service rating.
- Hanover only writes auto insurance in 18 states.
State Auto or Hanover Mobile Apps Options
The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.
The Hanover Mobile app is available for iOS and Android. With this app, you’ll be able to see vital policy information and billing information. You can also file a home or auto claim without making a phone call.
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
| Hanover Mobile App | ||
|---|---|---|
| iOS | 3.5 | 17 user reviews |
| Android | 2.6 | 21 user reviews |
State Auto & Hanover Contact Info
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://www.linkedin.com/company/state-auto-insurance | |
| Hanover Contact Info | |
|---|---|
| Address | 440 Lincoln Street, Worcester, MA 01653 |
| Phone | 1-508-855-1000 |
| Website | https://www.hanover.com/ |
| https://www.facebook.com/hanoverinsurance/ | |
| https://twitter.com/The_Hanover | |
| Youtube | https://www.youtube.com/channel/UCe9zQijKTBxGff55FKAvytg |
| https://www.linkedin.com/company/the-hanover-insurance-group/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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