American Family vs. The Hanover Car Insurance [2021]

In a comparison of American Family vs. The Hanover car insurance companies, American Family takes the lead. Both companies hold the same rating from A.M. Best, but American Family auto insurance rates are much cheaper than those offered by The Hanover. Furthermore, American Family vs. The Hanover. rates may be more affordable as they have slightly more discounts.

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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: Jul 2, 2021

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Here's What You Need to Know

  • American Family auto insurance and The Hanover received the same A.M. Best rating
  • American Family Insurance offers more affordable rates than The Hanover insurance
  • American Family offers more discounts than The Hanover Auto Insurance

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on American Family vs. The Hanover today.

Our American Family vs. The Hanover car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into American Family vs. The Hanover car insurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

American Family vs. The Hanover: Which company offers more affordable car insurance rates?

The simplest place to start when pitting two companies together is pricing. Let’s look at a table that compares monthly car insurance rates for liability-only coverage.

American Family vs. Others: Monthly Liability-Only Auto Insurance Rates
CompanyAverage Monthly Rates, Liability-Only
American Family$50
Safe Auto$115
The General$35
The Hanover$116
The Hartford$45
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How easy is it to find affordable American Family vs. The Hanover car insurance quotes? As you can see, this basic coverage is $66 more per month with The Hanover.

Considering The Hanover’s car insurance rates are over twice as much as American Family, perhaps it offers more discounts to make up for it.

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Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including American Family and The Hanover.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
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As you can see, American Family offers six of this list’s discounts. This includes a 30% discount for having passive restraint in your vehicle. What’s great is that you can add discounts to your policy later by using your American Family login information on the app.

What discounts does The Hanover award? The Hanover offers five total discounts from the list. These include discounts for anti-lock brakes, anti-theft devices, daytime running lights, and passive restraint.

Now, let’s wrap up with American Family and The Hanover Insurance Group reviews to see if there is a clear winner.

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American Family vs. The Hanover: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

American Family received a rating of “A” (Excellent), which is the second-highest of seven rating tiers. How did The Hanover fare in comparison? It received the same rating.

In short, American Family is cheaper and offers slightly more discounts than The Hanover.

We hope you learned all you needed to decide between whether to buy American Family vs. The Hanover car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

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