21st Century vs. The Hanover Car Insurance [2021]

Compare 21st Century vs. The Hanover discounts and policy features. 21st Century is available nationwide. The Hanover car insurance is only available in 18 states. The Hanover offers an accident forgiveness insurance option, 21st Century does not provide accident forgiveness. Compare additional information and learn more about the differences between these two companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 9, 2021

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Here's what you need to know...

  • The Hanover offers accident forgiveness within a 36 month period
  • 21st Century offers safe driving, and good student discounts, among other benefits
  • 21st Century provides insurance options for all 50 states; The Hanover only offers coverage for 18 states

Comparing 21st Century vs. The Hanover is essential for anyone looking for a detailed car insurance comparison. Reviewing important information for each company can help drivers decide whether to buy 21st Century vs. The Hanover car insurance or opt for another insurance company.

Each company offers discounts and other benefits, but the most significant advantages between the companies relate to personal driving needs.

Insurance companies understand that each driver is different, and everyone has different insurance needs. Companies tailor their discounts, services, and coverage options to reach different customer demographics and driving profiles.

We’ll review key details between 21st Century vs. The Hanover and compare additional details. For quotes in your area, enter your ZIP code and find out more about rates in your location.

21st Century vs. The Hanover: How do these companies compare?

Choosing between 21st Century vs. The Hanover car insurance may depend on your location, as both companies offer insurance options in different areas.

Hanover car insurance, part of the Hanover Insurance Group, provides more discounts but limited availability compared to 21st Century insurance.

Hanover insurance covers drivers located in the following 18 states: Virginia, Oklahoma, Georgia, Illinois, Indiana, Maine, Massachusetts, Connecticut, Michigan, New Hampshire, New Jersey, Louisiana, New York, Ohio, Pennsylvania, Tennessee, Arkansas, and Wisconsin.

 In Virginia for example, one of The Hanover’s covered locations, drivers who receive a DUI are required to finish 20 classroom hours minimum through in-person courses to restore Virginia car insurance driving privileges in some circumstances, in addition to other obligations.

21st Century car insurance is available in all 50 states. If you don’t reside in any of the above states listed, 21st Century may be a better choice.

If you do choose The Hanover, accident forgiveness is an option, so some high-risk factors that may heavily affect premiums with other companies might be less of a concern under a Hanover policy. It’s wise to compare quotes and review the details.

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21st Century vs. The Hanover: How do the discounts compare?

Take a minute to review the table below, which covers some of the discounts available through both insurance companies:

21st Century vs. State Farm Average Annual Rates by Credit Score
Credit Score21st Century Average Annual RatesState Farm Average Annual Rates
Poor (300 -579)$1,363 $3,522
Fair (580-669)$1,363 $2,003
Good (670-739)$1,657 $1,613
Very Good (740 - 799)$1,363 $1,451
Excellent (800-850)$1,363 $1,260
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In addition to these benefits, The Hanover also provides 22 additional discounts that reward drivers with savings in different areas. A few are detailed below:

  • Accident forgiveness: One discount that really separates these companies; Hanover provides forgiveness for your first surchargeable accident within a 36-month timeframe. No premium increase will occur, and no surcharge will be added.
  • Ultimate rental: Ultimate rental adds to transportation expense coverage, and takes care of the daily car rental limit up to $3,000 for the duration of time your vehicle is out of commission.
  • Waiver of deductible: This feature allows drivers to only pay 1 deductible in the event of an incident that affects two vehicles or properties under a multi-car insurance policy, like a fire, or water damage.

21st Century provides the following discounts that reward safe driving, in addition to the benefits covered above:

  • Superior driver discount
  • Mature driver discount

Make sure to ask about discounts you may qualify for when getting a quote from 21st Century or The Hanover.

How can I find 21st Century vs. The Hanover rates in my location?

Now that you’ve finished this 21st Century vs. The Hanover review, finding the best rates in your location is simple. Enter your ZIP code now, find quotes in your area, and start comparing car insurance quotes today.

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Average Monthly Car Insurance Rates by State