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Allstate vs The Hanover: which is better for car insurance in 2026?

Q: Is Allstate or The Hanover cheaper?

On average, Allstate. Our benchmark profile pays $3,176/yr with Allstate versus $4,038/yr with The Hanover — roughly $862 a year. But that is one profile: a 35-year-old with a clean record and good credit. Change the driver and the order can flip, which is why the only rate that matters is the one you are quoted.

Q: Which handles claims better, Allstate or The Hanover?

Neither has a clear edge. Allstate scores 693/1,000 and The Hanover Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Allstate better than The Hanover overall?

Allstate scores higher overall in our review — 3.4 against 2.8 out of 5. "Better" still depends on you, though: The Hanover may quote you less, and our score weights six factors that we chose, not the ones you might weight most.

Q: Can I switch from Allstate to The Hanover mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Allstate

The Hanover

Across our six scoring categories, Allstate comes out ahead in 2, The Hanover in 2, with 2 too close to call. Allstate edges the weighted overall score by 0.6 of a point, on the strength of price, digital experience. That is not a reason to skip The Hanover: it scores higher on complaint record, discounts, and a quote that comes in lower beats a review that scores higher. Allstate is the safer default; The Hanover is worth a quote if you are among drivers whose independent agent recommends it for a specific reason.

Allstate vs The Hanover, side by side

Category

AllstateRead the full review

The HanoverRead the full review

Overall scoreWeighted across the six categories below

Better

PriceAverage annual full-coverage premium · 25% of score

2.0$3,176/yr

Average full coverage vs. $2,356 national average

Better

1.5$4,038/yr

Average full coverage vs. $2,356 national average

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

3.5693/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

3.5About the expected number

Complaints relative to company size, NAIC data 2022–2024

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

Not published

No AM Best rating we could verify — see the review

DiscountsBreadth of published discounts · 15% of score

3.55 published

Discounts on the carrier's own pages · Telematics: Drivewise

4.012 published

Discounts on the carrier's own pages · No branded telematics program found

Better

Digital experienceApp ratings and self-service depth · 15% of score

4.54.79 iOS / 4.1 Android

App Store (1.26M ratings) and Google Play (125K ratings), August 2026

Better

2.01.99 iOS / 3.0 Android

App Store (154 ratings) and Google Play (173 ratings), August 2026

Availability

All 50 states and D.C., through local agents

19 states, through independent agents only

Best suited to

drivers who want an agent and will bundle enough to offset the premium

drivers whose independent agent recommends it for a specific reason

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Allstate vs The Hanover across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AllstateThe Hanover

Category by category

Price

Allstate ahead

Allstate averages $3,176/yr for full coverage against The Hanover's $4,038/yr — about $862 a year, or 71.8 dollars a month, in Allstate's favor for this profile.

Allstate

$3,176 a year for full coverage — 35% above the national average and the third most expensive carrier in this review. This is the number that defines Allstate.

The Hanover

$4,038 a year for full coverage — 71% above the national average, and the highest figure of any carrier we review.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Allstate posts 693/1,000 and The Hanover Not rated, a difference too small to choose on.

Allstate

693 out of 1,000, seven points below the segment average. Middling, and not enough to justify the premium on its own.

The Hanover

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

The Hanover ahead

The Hanover takes complaint record on Fewer than expected against Allstate's About the expected number.

Allstate

Close to the number of complaints expected for its size.

The Hanover

Fewer complaints than expected for its size, which is genuinely to its credit.

Financial strength

Too close to call

Neither pulls ahead on financial strength: Allstate posts A+ and The Hanover Not published, a difference too small to choose on.

Allstate

AM Best A+ (Superior).

The Hanover

We could not verify an AM Best rating from any page we could read. AM Best blocks automated access and Hanover's rating is not published by the secondary sources we checked.

Discounts

The Hanover ahead

The Hanover takes discounts on 12 published against Allstate's 5 published.

Allstate

Allstate's current discounts page publishes only five named discounts, the thinnest list of any national carrier here — several features it was historically known for no longer appear on live pages.

The Hanover

Twelve published discounts, several aimed specifically at households with teenage drivers — including one for keeping a teen off a particular vehicle.

Digital experience

Allstate ahead

Allstate takes digital experience on 4.79 iOS / 4.1 Android against The Hanover's 1.99 iOS / 3.0 Android.

Allstate

4.79 on the App Store but only 4.1 on Google Play, the widest platform gap among the large insurers.

The Hanover

1.99 on the App Store and 2.98 on Google Play. That iOS score is the lowest of any carrier in this review by a wide margin.

So which one?

Pick Allstate if…

You are among drivers who want an agent and will bundle enough to offset the premium.
Price is your first filter — Allstate averages $3,176/yr for full coverage on our benchmark profile.
You would rather handle everything in an app than on a phone call.
Availability fits: All 50 states and D.C., through local agents.

Read the full Allstate review →

Pick The Hanover if…

You are among drivers whose independent agent recommends it for a specific reason.
You want the lower complaint record — The Hanover sits at Fewer than expected.
You expect to stack discounts — The Hanover's lineup is the broader of the two.
Availability fits: 19 states, through independent agents only.

Read the full The Hanover review →

Allstate vs The Hanover, answered

The questions people ask before switching between these two.

Is Allstate or The Hanover cheaper?

Which handles claims better, Allstate or The Hanover?

Is Allstate better than The Hanover overall?

Can I switch from Allstate to The Hanover mid-policy?

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