Hanover, PA Car Insurance

On average, Hanover drivers pay a monthly average rate of around $48 for their car insurance. We cover plan rates, policies and more in our guide below.
How does Hanover stack up to the rest of the area, or even Pennsylvania as a whole? What can Hanover residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Hanover?

Area Average Monthly Car Insurance Premium
Hanover$48
PA$71
United States$81

Based on the chart above, you can see that it's about $23 a month cheaper to insure your vehicle in Hanover than it is in the rest of Pennsylvania.

Similarly, car insurance rates in Hanover are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $33 more expensive than the rates you'd pay in Hanover.

While these numbers represent the average monthly payments for coverage in Hanover, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've broken down the average rates for Hanover to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$48
35-44$44
45-54$39
55-64$39
65+$40

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $35 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Hanover.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$48

On average, female drivers pay slightly less than male drivers for car insurance. In Hanover, although men do pay a little bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$46
1 Ticket$92
Multiple Tickets$45

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Hanover, a driving record with a single accident will usually get you a rate around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $92 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$45
2-3 Years$51
4-5 Years$40
6-7 Years$46
8-10 Years$46
11-14 Years$53
15 Years or Older$47

In Hanover, the cheapest vehicles to insure are usually cars, with drivers paying around $47 per month to insure their vehicle.

SUV owners can expect to pay an average of around $51 a month for their policy, while truck and van drivers are usually around $48 to insure each month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Hanover, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$37
Divorced$37
Widowed$33

More often than not, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Hanover is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$49
Live with parents$88

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Hanover can expect to pay around $13 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Hanover, PA

Recent trends in car insurance for Hanover drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The cost of auto insurance in Hanover declined from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $42 a month

How does Hanover compare to neighboring areas?

Why are car insurance rates in Hanover different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Crime levels
  • Local laws
  • Off-street parking accessibility
  • General road safety (how many accidents each locality has)
  • Number of drivers in the area

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Hanover?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Hanover.

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Hanover Insurance FAQs

What factors affect car insurance quotes in Hanover?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Hanover different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Hanover?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hanover?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hanover or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes