Amica vs. The Hanover Car Insurance [2021]

When comparing Amica vs. The Hanover car insurance, rates aren’t available online. However, Amica has a higher A.M. Best score than The Hanover. Both Amica and The Hanover car insurance companies scored an A+ and are accredited with the BBB. Take advantage of car insurance discounts and compare ratings when deciding if Amica vs. The Hanover auto insurance is right for you.

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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: Sep 7, 2021

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Here's What You Need to Know

  • Amica and The Hanover car insurance rates aren’t available online
  • Amica scored an A+ with A.M. Best while The Hanover scored an A
  • Both Amica and The Hanover received an A+ score from the BBB

When choosing insurance, the best auto insurance companies out there offer great rates and discounts. This can make it hard to choose the right company for you.

We will compare Amica vs. The Hanover car insurance companies head to head so you can see if either is right for you.

To learn more about each company, read our Amica car insurance review and our The Hanover car insurance review.

You don’t have to just limit your choices to Amica vs. The Hanover. Shop around and compare various companies before you buy Amica or The Hanover car insurance. Enter your ZIP code above to compare free car insurance quotes from companies in your area.

How much are Amica vs. The Hanover car insurance rates?

Many factors affect your car insurance rates, such as your age, gender, driving record, and even credit history.

While we can’t get rates online from Amica or The Hanover, we can show you average annual car insurance rates from the top companies in the country. These rates will give you a good idea of what to expect from Amica and The Hanover.

First, this table shows you average annual rates based on age, gender, and marital status. All drivers know that younger people will pay more for car insurance, but you might be surprised by just how much.

Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
CompanyAverage Annual Rates Single 17-Year-Old FemaleAverage Annual Rates Single 17-Year-Old MaleAverage Annual Rates Single 25-Year-Old FemaleAverage Annual Rates Single 25-Year-Old MaleAverage Annual Rates Single 35-Year-Old FemaleAverage Annual Rates Single 35-Year-Old MaleAverage Annual Rates Single 60-Year-Old FemaleAverage Annual Rates Single 60-Year-Old Male
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
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Next, let’s look at rates based on your driving history. Auto insurance companies rely heavily on your past driving record to determine how much to charge you for coverage.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Drivers with accidents, tickets, or DUIs will pay much higher rates. Multiple infractions will cause a huge jump in auto insurance rates.

Last, your credit score can also affect your rates. Companies tend to think that drivers with a higher credit score will be less likely to file claims and more likely to pay for damages themselves.

Average Annual Car Insurance Rates Based on Credit Rating
CompanyGood Credit RatingFair Credit RatingPoor Credit Rating
American Family$2,691.74$3,169.53$4,467.98
Liberty Mutual$4,388.18$5,604.24$8,802.22
State Farm$2,174.26$2,853.00$4,951.20
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Comparing Amica vs. The Hanover car insurance quotes might be difficult. While you can get Amica quotes online, you have to speak with an agent from The Hanover Insurance Group to get a quote.

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Does Amica or The Hanover have better car insurance discounts?

Car insurance discounts are a great way to lower rates. Most auto insurance companies offer a multitude of discounts so there’s sure to be something for everyone.

This table shows you the available Amica and The Hanover auto insurance discounts. Which one has more discounts for you?

Car Insurance Discounts from Amica and The Hanover
Car Insurance DiscountsAmicaThe Hanover
Adaptive HeadlightsxN/A
Anti-lock Brakesxx
Claim Freexx
Continuous Coveragexx
Daytime Running LightsN/Ax
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Electronic Stability ControlxN/A
Family LegacyxN/A
Forward Collision WarningxN/A
Full Paymentxx
Further EducationN/Ax
Good Studentxx
Good/Safe DriverxN/A
Low Mileagexx
Multiple Policies30%x
Multiple Vehicles25%x
Paperless DocumentsxN/A
Paperless/Auto Billingxx
Passive Restraintxx
Senior/Mature DriverN/Ax
Switching Providerxx
Vehicle Recoveryxx
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Although both Amica and The Hanover offer many of the same discounts, there are some differences.

For example, Amica offers a safe driver discount and The Hanover doesn’t. On the other hand, The Hanover offers a discount based on your occupation and Amica does not.

How do Amica vs. The Hanover compare in financial strength and customer satisfaction?

Ratings are just as important as rates when it comes to car insurance. You want to know you are putting your trust in a dependable company. Compare The Hanover vs. Amica auto insurance reviews to make the best decision.

A.M. Best ranks companies based on how financially stable they are. Amica scored an A+, showing a superior ability to meet financial obligations. The Hanover scored an A, showing an excellent ability to meet obligations.

The Better Business Bureau (BBB) ranks companies on how they interact with customers. Both Amica and The Hanover scored an A+ and are accredited.

J.D. Power ranked Amica and The Hanover on customer satisfaction, including prices, billing, claims, and what is offered. Amica scored above average and The Hanover scored average.

Amica vs. The Hanover Car Insurance: The Bottom Line

Both Amica and The Hanover offer multiple types of insurance, including auto, home, and renters insurance coverages.

You can also file claims online as well as access your account.

If you would like to speak with customer service, the Amica auto insurance phone number is 1-800-242-6422, and The Hanover Insurance Group phone number is 1-800-922-8427.

Whether or not you can get affordable Amica vs. The Hanover car insurance depends on many factors, such as your age and driving record. Shop around to find the car insurance coverage that fits your needs. Enter your ZIP code below to compare free quotes from car insurance companies in your area right now.

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