Home/Compare insurers/Amica vs The Hanover

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

Q: Is Amica or The Hanover cheaper?

On average, Amica. Our benchmark profile pays $3,167/yr with Amica versus $4,038/yr with The Hanover — roughly $871 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, Amica or The Hanover?

Neither has a clear edge. Amica scores 718/1,000 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 Amica better than The Hanover overall?

Amica scores higher overall in our review — 3.7 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 Amica 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.

Amica

The Hanover

Across our six scoring categories, Amica comes out ahead in 3, The Hanover in 0, with 3 too close to call. Amica edges the weighted overall score by 0.9 of a point, on the strength of price, discounts, digital experience. That is not a reason to skip The Hanover: it scores higher on none of our categories, though it may still quote you less, and a quote that comes in lower beats a review that scores higher. Amica is the safer default; The Hanover is worth a quote if you are among drivers whose independent agent recommends it for a specific reason.

Amica vs The Hanover, side by side

Category

AmicaRead 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$3,167/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

4.0718/1,000

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

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

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

5.017 published

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

Better

4.012 published

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

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

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 ratings), August 2026

Better

2.01.99 iOS / 3.0 Android

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

Availability

49 states and D.C. — not available in Hawaii

19 states, through independent agents only

Best suited to

drivers who will pay more for service and expect to file claims

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.

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

AmicaThe Hanover

Category by category

Price

Amica ahead

Amica averages $3,167/yr for full coverage against The Hanover's $4,038/yr — about $871 a year, or 72.6 dollars a month, in Amica's favor for this profile.

Amica

$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.

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: Amica posts 718/1,000 and The Hanover Not rated, a difference too small to choose on.

Amica

718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.

The Hanover

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

Complaint record

Too close to call

Neither pulls ahead on complaint record: Amica posts Fewer than expected and The Hanover Fewer than expected, a difference too small to choose on.

Amica

Fewer complaints than 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: Amica posts A+ and The Hanover Not published, a difference too small to choose on.

Amica

AM Best A+ (Superior), affirmed March 2026.

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

Amica ahead

Amica takes discounts on 17 published against The Hanover's 12 published.

Amica

Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.

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

Amica ahead

Amica takes digital experience on 4.82 iOS / 3.2 Android against The Hanover's 1.99 iOS / 3.0 Android.

Amica

4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.

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 Amica if…

You are among drivers who will pay more for service and expect to file claims.
Price is your first filter — Amica averages $3,167/yr for full coverage on our benchmark profile.
You expect to stack discounts — Amica's lineup is the broader of the two.
You would rather handle everything in an app than on a phone call.

Read the full Amica review →

Pick The Hanover if…

You are among drivers whose independent agent recommends it for a specific reason.
Availability fits: 19 states, through independent agents only.

Read the full The Hanover review →

Amica vs The Hanover, answered

The questions people ask before switching between these two.

Is Amica or The Hanover cheaper?

Which handles claims better, Amica or The Hanover?

Is Amica better than The Hanover overall?

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

Other comparisons

Allstate vs Amica American Family vs Amica Amica vs Auto-Owners Amica vs Chubb Amica vs Clearcover Amica vs COUNTRY Financial Allstate vs The Hanover American Family vs The Hanover

See all 359 head-to-head comparisons →

Compare real quotes from both — and 50+ others.

Averages are a starting point. Your rate is the only number that decides it.

Get my free quotes →