What discounts does The Hanover offer?

The Hanover car insurance discounts include Claim-Free, Defensive Driver, Driver’s Ed, and Good Student discounts. The Hanover offers driver, vehicle, and policy 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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UPDATED: Sep 15, 2020

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Here's what you need to know...

  • The Hanover Insurance Group has been in business since 1852 and started selling auto insurance in 1911
  • The Hanover is one of the nation’s oldest insurance companies and the carrier sells products through independent agents
  • Forbes has recognized The Hanover as one of the most trustworthy financial companies in the US
  • Compared to other auto insurance companies, The Hanover offers an average number of discounts in the industry
  • Some of the most notable discount offered by The Hanover include Claim-free, Defensive Driver, Driver’s Ed, and Good Student

The Hanover might not be a company name that you hear of often but it’s one of the oldest insurance companies in the United States. Founded all the way back in 1852, The Hanover Insurance Group has a long history that started it all with fire insurance.

After operating for almost 60 years, the company expanded to sell its first auto insurance policy in 1911.

The Hanover has always taken its time to expand its field. Auto insurance policies were first offered to drivers in Michigan and then quickly expanded after selling to legendary Babe Ruth in 1915.

One thing that has always made The Hanover unique is that the company marketed to more than just the US.

While domestic products are a priority, The Hanover writes policies in more than 179 countries.

It might be the pursuit to help customers save money or the carrier’s experience with diverse products in countries around the globe, but The Hanover is well known for offering their clients more discount options than most of its competitors.

Compare The Hanover with other insurance companies to find out which company offers you the best rates for car insurance. Enter your zip code into our free tool above to begin.

If you’re shopping the market to find the best discount offerings, here’s what you must know:

Why are discounts so important?


Most people don’t look forward to paying their bills each month. There is something about watching hard-earned money go to a creditor that is very frustrating, but it’s even more frustrating when you’re paying for something you don’t use.

  • When you pay your rent, you’re paying for a home.
  • When you’re paying your utilities, you’re paying for power and gas.
  • When you pay your cell phone bill, you’re paying to use your service.

It doesn’t work this way when you’re paying for insurance. Even though the average premium costs $831 per year, you’re paying more for the service that you’re receiving than the actual coverage until you use the policy.

Finding a deal is more important than ever when you’re shopping the market for the best auto insurance rates. The best way to lower your rates is to get auto insurance discounts.

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Do all companies offer the same auto insurance discounts?

There are dozens and dozens of different types of discounts for things you wouldn’t even imagine would exist. If you’re looking for a value-priced auto plan, you need to focus on seeing what types of discounts the carrier you’re getting quotes through is offering.

Some discounts are required by the state and others are offered at the company’s discretion.

You might wonder why some carriers will offer under 20 discounts and other will offer nearly 40 different options. The reason for this difference is because of what type of audience a carrier wants to do business with.

If companies would rather target young drivers, they might offer more student and driver training discounts than other carriers. You have to consider what demographic is being targeted.

Types of Discounts Offered by The Hanover


If you compare discounts offered by The Hanover to the discounts offered by other established carriers in the marketplace you’ll discover that the carrier really believes in rewarding its clients with savings.

The company currently offers eligible drivers the option to save up to 22 times with 22 different discount offerings.

Each of the 22 discounts offered by The Hanover can fall into one of three different categories: driver discounts, vehicle discounts, and policy discounts.

One of the great thing about discounts with auto insurers is that they can be stacked. You don’t have to choose between one or the other. Here’s a list of the discounts in each category:

Driver Discounts from The Hanover

Drivers all have their own driving style. Drivers also fall into their own risk classes.

You might be a safe and experienced driver and your spouse could have a few tickets. Fortunately, your driving record isn’t the only way that you can help maintain a low rate. Here are some driver discounts you may be able to qualify for:

  • Defensive Driver – Driver must be 55+ and take a course through the AARP for the three-year discount
  • Distant Student – Only for college students attending school 100 or more miles away from home
  • Driver’s Education teenSMART – Discount lasts for three years and is available for drivers who are 19 and under
  • Good Student – For high school students who earn a 3.0 GPA and who are ticket and accident-free
  • Homeowner
  • Further Education – Applied to vehicle assigned to drivers with a four-year degree or higher
  • Occupation – Discounts applies for low-risk occupations in education, consulting, insurance, nursing, and more

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Vehicle Discounts from The Hanover

When you input your car’s VIN into a quoting system, it will pull up the safety features that the car came off of the factory line with. You may get discounts for these features or for other aftermarket additions. Here are vehicles discounts offered by The Hanover:

  • Anti-Lock Brakes
  • Anti-Theft – Larger discount for passive alarms that automatically activate and disable the engine
  • Daytime Running Lights – Will be applied once VIN is submitted
  • Low Mileage
  • Passive Restraint
  • Vehicle Recovery System – For LoJack, OnStar and other factory-installed recovery systems

Policy Discounts from The Hanover

Discounts that aren’t applied for drivers or vehicles are called policy discounts. They could be for your insurance history or for the payment plan that you choose. Here’s a list of applicable policy discounts through The Hanover:

  • Claim-Free – For the last three years or five years depending on the state
  • Continuous Coverage
  • Full Payment – When the policyholder pays the entire policy premium in full at inception
  • Membership or Group Affinity Discount
  • Multi-policy – For maintaining home insurance and auto insurance at the same time
  • Multi-car – For buying insurance on two or more cars with The Hanover
  • Paperless Documents
  • Switching Carrier – Discount applied if you had one year or more of continuous coverage with the last insurer
  • Auto Billing – No Fee EFT Discount that saves policyholders $60 per year in installment fees

The only way to see if you qualify for one of the 22 discounts offered through The Hanover is to get an insurance quote. By answering the quote questions and checking the boxes in the tool, the discounts will automatically be applied.

Use our online comparison tool for quotes and you can compare the discounts you’ll get through this carrier to discounts offered by competitors. Enter your zip code below to get started.


  1. https://www.hanover.com/about/
  2. https://www.forbes.com/companies/hanover-insurance-group/
  3. https://www.hanover.com/personal-insurance-auto.html
  4. https://www.iii.org/fact-statistic/auto-insurance
  5. https://www.foxbusiness.com/features/2013/07/01/auto-insurance-discounts-not-to-be-missed.html
  6. https://www.insurancejournal.com/magazines/mindyourbiz/2004/05/03/42167.htm
  7. https://www.thebalance.com/what-type-of-driver-risk-are-you-527282
  8. https://www.hanover.com/risksolutions/defensive-driving-passenger-management.html
  9. https://www.hanover.com/platinum-smart-savings.html
  10. https://www.huffingtonpost.com/laura-adams/have-low-mileage-you-may-_b_7338458.html
  11. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538

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