AAA vs. The Hanover Car Insurance [2021]

AAA and The Hanover are excellent companies with "A" ratings from A.M. Best. AAA car insurance is $46 cheaper than Hanover car insurance. However, each person's rates will vary. When you compare AAA vs. Hanover auto insurance, you secure more affordable rates. Shop around before you decide whether to buy AAA vs. The Hanover car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Oct 13, 2021

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Here's what you need to know...

  • AAA car insurance is $46 cheaper than The Hanover car insurance
  • Several personal factors determine your AAA vs. The Hanover car insurance rates
  • The Hanover is more expensive per month, but it has more car insurance discounts than AAA

Most car insurance shoppers want to get reliable coverage with cost-efficient rates, but AAA and The Hanover are not as transparent as more prominent car insurance companies. You’ve probably heard of AAA as a roadside service company. Wherever you are, they have club locations to help you if you run out of fuel, have a flat tire, or just about anything else in emergency roadside assistance coverage. In recent years, AAA has expanded into auto insurance. Hanover may be a less familiar name, but they are also growing quickly.

Whether you choose affordable AAA or The Hanover car insurance depends on various factors. But don’t worry – we’re here to help.

This car insurance guide explains everything you need to know about AAA vs. The Hanover car insurance quotes, discounts, coverage options, and third-party ratings. We know it can be hard to know which insurance company is right for you. Even if one competitor offers the lowest prices, they don’t necessarily offer the coverage you need for peace of mind.

Continue reading to learn more about AAA vs. The Hanover car insurance. Enter your ZIP code in the free comparison tool above to compare multiple companies in your local area.

AAA vs. The Hanover Car Insurance: Which company has the cheapest car insurance rates?

AAA auto insurance is about $46 cheaper than Hanover auto insurance for our sample insured. This includes basic roadside service including towing services. If you wanted a more comprehensive The average AAA car insurance rate is $162 per month, but it will cost more if you want more comprehensive roadside assistance. Hanover car insurance rates are $208 per month, on average.

Your auto insurance rates will vary. No insured is exactly the same, and the sample factors may not apply to you. So your rate and even the best carrier for you price wise could vary. Several factors determine AAA and The Hanover auto insurance quotes. The factors with the most impact are:

  • Driving Record
  • Credit History
  • Commute Mileage
  • Location
  • Vehicle
  • Age
  • Gender (cannot be factored in some states)
  • Coverage Level

Auto insurance companies use these factors to assess your driving experience and risk of filing claims. Every insurance company looks at things a little differently. Some don’t even consider all the popular factors. Companies like GEICO focus on online quotes making everything automated while other companies have a strict underwriting process that could be somewhat subjective.,

If you want a closer look at AAA and The Hanover Insurance Group reviews, check out our AAA car insurance review and The Hanover car insurance review articles. Both AAA and The Hanover are somewhere in the middle as far as pricing and underwriting processes.

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AAA and The Hanover Car Insurance: Which car insurance company has more discounts?

Sometimes personal factors don’t work in your favor. For example, your specific factors can produce higher than average car insurance rates. AAA insurance and Hanover insurance discounts can lower your monthly payments.

But which company has more discounts? Let’s compare.

AAA vs. The Hanover Car Insurance Discounts
Discount NamesAAA AvailabilityThe Hanover Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
**Discount Counter**2122
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Although AAA car insurance rates are cheaper, Hanover car insurance rates can compete with AAA if you can stack your discounts against the cost of a car insurance policy. As you can see above, many of the insurance discounts are the same between the two companies, but there are some minor differences.

Savings are based on factors that determine auto insurance. However, some discounts are available through paperless payment methods. You can even receive a discount for paying your Hanover or AAA auto insurance bill in full.

What insurance products do AAA and The Hanover offer?

In addition to auto insurance rates, it’s essential to compare AAA vs. The Hanover auto insurance features. This gives you flexibility if you need additional insurance choices or other services. Many insured drivers want to know the basics are covered. For example, if there is a claim, how quickly will it be processed, and can you get coverage at the nearest repair facility? Moreover, do they have the collision, comprehensive, and other coverages you need?

Let’s look at some features and services that are available at AAA and The Hanover.

AAA vs. The Hanover Car Insurance Features and Services
FeaturesAAA ServicesThe Hanover Services
24/7 service
Accident forgiveness
Enhanced towing & substitute coverage
Mobile app
Online account management
Policy bundling discounts
Roadside assistance
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Car insurance companies constantly change how they provide service. Keep tabs on AAA and The Hanover insurance. More features or new products may come sooner rather than later. AAA and The Hanover insurance both have a full range of standard insurance coverages, and they both seem to handle claims quickly and effectively compared to the general market of insurance providers.

You can keep up with your AAA and Hanover insurance through mobile apps. AAA’s mobile app ratings are in the four-star rating, but the Hanover insurance has struggled in the last few years.

AAA vs. The Hanover Insurance Products

For example, AAA and Hanover have home insurance, but Hanover doesn’t provide renters insurance like AAA. Meanwhile, Hanover carries RV insurance and commercial insurance, but AAA doesn’t.

Overall, AAA provides a more practical way for individual car insurance shoppers to bundle insurance policies. When you bundle, you can receive a discount.

Comparing AAA vs. The Hanover Car Insurance Coverage Option

Most auto insurance companies provide basic coverage, such as bodily injury liability, property damage liability, uninsured/underinsured motorist coverage, collision, and comprehensive insurance.

Medical payments (MedPay) and personal injury protection (PIP) are also available in some areas.

But what about optional coverages? Let’s explore AAA and The Hanover auto insurance coverages you can add.

AAA and The Hanover Car Insurance Coverage Options
Optional CoveragesAAA AvailabilityThe Hanover Availability
Accident Forgiveness
Accidental Death, Dismemberment, Disability
Electronic Key & Lock Replacement
Emergency Assistance Coverage
Emergency Lockout Coverage
First Aid Reimbursement
Gap Insurance
Glass Coverage
Loss of Use Coverage
Mechanical Breakdown Insurance
New Car Replacement Coverage
Original Equipment Manufacturer Coverage
Pet Coverage
Preferred Repair Services
Rental Reimbursement
Roadside Assistance
Umbrella Policy
Vanishing Deductible
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AAA has more optional coverages to choose from, and AAA roadside assistance is a nationally known service.

Some drivers prefer to use AAA roadside assistance over their auto insurance company’s roadside assistance program.

However, more coverage options added to your policy mean higher costs for Hanover and AAA auto insurance rates.

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AAA vs. The Hanover Car Insurance: Financial Strength Ratings

While the price of car insurance is essential, financial strength and customer reviews are equally important.

Financial strength determines a company’s financial stability, but customer reviews show you the overall consumer experience.

According to A.M. Best, AAA has an “A+” rating. However, The Hanover has an “A” rating. As a result, AAA’s rating is slightly better.

Both companies have ratings that show stable finances and an excellent ability to meet customer obligations.

Under J.D. Power’s auto claims and auto insurance study, AAA and The Hanover are rated below average for overall customer satisfaction.

The National Association of Insurance Commissioners (NAIC) reported that Hanover has a complaint index of 1.03, but AAA has a 3.83 complaint index. A complaint index reveals how an insurance company compares to other companies.

Hanover’s index is slightly higher than average, but AAA’s complaint ratio is 2.83 points higher than average.

AAA vs. The Hanover Car Insurance: What’s the bottom line?

AAA auto insurance is cheaper overall, but The Hanover is better with customers. Also, The Hanover has more car insurance discounts. Did you see more pros than cons as you went through the article?

Hopefully, we have helped you decide whether to buy AAA vs. The Hanover car insurance. Now that you know more about these two companies, use our free online quote tool to compare the best companies in your area.

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