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 $203.81 per month while Hanover comes in at around $436.66 per month. For State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 per month. For Hanover, the cheapest state average is Massachusetts at $183.50 per month and the most expensive is New Jersey at $613.09 per month.

State Auto

Average Rate

$203.81
Hanover

Average Rate

$436.66
National

Average Rate

$117.77
State State Auto Hanover
Alabama $164.41 -
Arkansas- $412.24
Connecticut- $461.89
Illinois $203.58 $480.53
Indiana $228.89 $497.57
Kentucky $191.72 -
Maine- $230.42
Maryland $253.07 -
Massachusetts- $183.50
Michigan- $591.82
New Hampshire- $360.57
New Jersey- $613.09
New York- $304.74
North Dakota $122.87 -
Ohio $148.65 -
Pennsylvania $196.80 -
South Carolina $170.09 -
Tennessee $166.18 -
Texas $258.06 -
Utah $208.31 -
Wisconsin $155.66 -

State Auto vs. Hanover: Rates by Number of Vehicle

Home

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 $192.93 $400.48
2 Vehicles $242.01 $598.71
3 Vehicles $414.95 $1,022.03

State Auto vs. Hanover: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Auto charges $189.62 per month and Hanover charges $439.51 per month for customers who own their home.

Own/Rent State Auto Hanover
Own $189.62 $439.51
Rent $212.03 $435.17

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.

ComparisonState AutoHanover
Year Founded19211852
A.M. Best RatingA+A
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Index1.28
S&P RatingA

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.

InsuranceState AutoHanover
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 AutoHanover
Accident Prevention CourseAccident Prevention Course Discount
Anti-theft Device DiscountAffinity Groups
Driver TrainingAnti-theft Device Discount
Good Student DiscountGood Student Discount
Multi-car DiscountHanover Platinum Experience
Multi-policy DiscountMulti-Car Discount
Paid in Full DiscountNo-Fee Electric Funds Transfers
State Auto Safety 360One Bill
State Auto Start-UpPay-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     1.817 user reviews
Android     2.325 user reviews
Hanover Mobile App
iOS     3.517 user reviews
Android     2.621 user reviews

State Auto & Hanover Contact Info

State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance
Hanover Contact Info
Address440 Lincoln Street, Worcester, MA 01653
Phone1-508-855-1000
Websitehttps://www.hanover.com/
Facebookhttps://www.facebook.com/hanoverinsurance/
Twitterhttps://twitter.com/The_Hanover
Youtubehttps://www.youtube.com/channel/UCe9zQijKTBxGff55FKAvytg
Linkedinhttps://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.

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