Nova Casualty Auto Insurance Review (2020)

Nova Casualty Auto Insurance Company (review below) services are available through independent agents and brokers in all 50 states. It's earned an A rating from A.M. Best and is part of Hanover Insurance Group.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2020

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Company Details
Address: 440 Lincoln Street
City: Worcester
State: MA
ZIP Code: 01653
Phone Number: 508-853-7200
Year Founded: 1980
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to remember...

  • Nova Casualty Auto Insurance Company (review below) provides traditional commercial business insurance policies
  • Nova is a subsidiary of the AIX Group, a member of the Hanover Group
  • All online business for Nova Casualty is done through the website of its parent company, Hanover Insurance Group
  • Nova Casualty Company writes insurance in all 50 states

Nova auto insurance is one of a few companies affiliated with Hanover, which provides a variety of insurance services for their policyholders. Wondering if Nova insurance is right for you, but don’t have time to do the research to find the best auto insurance companies? We’ve got it covered.

This review will explore Nova Casualty Company’s auto insurance and how you can save money on its policies.

Why stop there? You can get auto insurance quotes right away. Enter your ZIP code in the free quote box above to get instant auto insurance quotes.

Table of Contents

Nova Casualty Auto Insurance Rates

Nova Casualty Company is a small insurance company that doesn’t have any annual rates available to the public.

Most auto insurance providers save rates for potential customers who need a personalized quote. However, every state in the U.S. has an average annual rate for auto insurance.

What you pay for auto insurance is just as important as how much gas you purchase per month. Affordable auto insurance is a major factor for consumers looking for ways to save money.

How much does the average American driver spend on auto insurance? The answer is in the average annual rates.

Average annual rates are based on a composite of auto insurance rates in each state. In other words, it’s the sum of all auto insurance providers’ rates for the year divided to get one auto insurance rate that represents the state average rate for the year.

In the sub-section below, there will be a data table that shows the average for each state.

What is Nova Casualty’s availability by state?

Nova Casualty Company writes insurance in all 50 states, though insurance business lines and specialty underwriting may change according to state practices.

Nova Casualty Company provides traditional insurance policies for the following commercial business lines, such as commercial general liability, workers compensation, and commercial auto insurance.

Insurance lines vary by state. The company also writes surplus insurance lines via AIX Specialty Insurance Company (ASIC). The company’s specialty insurance lines include jeweler’s block, performance and surety, and marine insurance.

With no auto insurance rates directly from Nova Casualty Company, let’s explore the general auto insurance rates by state.

The data table below summarizes all the average annual rates of all states, in which Nova Casualty Company happens to do business.

Average Annual Auto Insurance Rates by State
StatesAverage Annual Auto Insurance Rates
West Virginia$2,595
New Hampshire$3,152
North Carolina$3,393
New Mexico$3,464
South Carolina$3,781
South Dakota$3,982
North Dakota$4,166
New York$4,290
District of Columbia$4,439
Rhode Island$5,003
New Jersey$5,515
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The data is sorted by the cheapest average annual rate to the most expensive by state. If you want to get to your state quickly, enter your state name in the search box.

Virginia has the cheapest average rates for auto insurance, while Michigan has the most expensive rates. Smaller auto insurance companies like Nova Casualty tend to have cheaper rates.

However, the most accurate quote you can receive is through a personalized quote from an auto insurance provider. General auto insurance rates show you a road map to what you could pay for auto insurance.

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Nova Casualty Auto Insurance Coverages Offered

Purchasing multiple insurance policy coverages from Nova Casualty can save you money on auto insurance. Here are Nova Casualty Company’s auto insurance coverages:

  • Liability coverage
  • Comprehensive and collision options
  • Original equipment manufacturer parts (OEM parts)
  • Newer car replacement
  • Deductible dividends
  • Roadside assistance
  • Transportation expense
  • Medical payments coverage/ personal injury protection

Higher levels of coverage may be available on a case-by-case basis. Coverage lines associated with these levels of coverage may also be underwritten by the company.

Minimum coverage limits are different for each state, but each coverage limit serves as the minimum liability requirement for auto insurance. Before we get into coverage levels, let’s look at the minimum coverage limits for each state in the U.S.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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The coverage limits stand bodily injury coverage limits and property damage coverage limits of each state. Sometimes you will see these coverage limits called coverage rules or policy limits. These policy limits are within liability coverage.

In a 25/50/25 coverage rule, a liability policy says that a policyholder will have $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage per accident.

If uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments (Med Pay) is part of the minimum requirements for that state, another coverage rule would apply to the overall liability coverage.

Watch this video on how uninsured and underinsured motorist coverage works.

But what if the minimum requirements aren’t enough? If you live in a state where the coverage limits are much lower than the average cost of bodily injury and property damage from an accident, you may want to enroll in a higher coverage limit.

Here are the average annual rates based on coverage levels from companies in the U.S.

Average Annual Auto Insurance Rates by Coverage Level
Coverage LevelAverage Annual Auto Insurance Rates
Low $3,754/year
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The higher coverage levels will increase your overall annual rate. In states with low coverage limits, auto insurance providers suggest a higher coverage level, so the policyholder can save money for the long term.

What is Nova Casualty Company bundling options?

Bundling your auto insurance with other insurance services at the same company saves money. Nova Casualty Company provides home, umbrella, watercraft, recreational vehicle, valuable item insurance, and identity protection.

Let’s watch a video that gives advice about bundling your auto insurance with other insurance services.

Like most insurance companies, there’s likely an option for you to bundle your auto insurance policy into a home policy or watercraft policy.

What are the discounts offered by Nova Casualty?

Did you know Nova Casualty Company was one of many affiliates to Hanover Insurance Group?

Hanover has office locations across 28 states but provides insurance privately like major auto insurance companies. Since the companies work closely with each other, Nova Casualty Company customers may be eligible for Hanover auto insurance discounts.

Before we talk about the discounts, watch this news report on how you can save money on auto insurance.

Here are some available discounts from Nova Casualty Company and other Hanover affiliates:

  • Paid-in-Full discount on new auto policies
  • Anti-theft devices discounts
  • Safety features discount
  • Multi-car discount
  • Accident prevention courses
  • Prior Carrier discount
  • Good Student discount
  • Student Away At School discount

Discounts are important for saving money for auto insurance Nova Casualty will likely add discounts to your quote before you buy a policy.

Paying your policy in full will eliminate all monthly premiums and negate any chances of late payments.

What programs are available from Nova Casualty?

Nova Casualty Company has an umbrella and personal liability policy that can totally protect the policyholder’s home or auto policies. It varies by state, but a policyholder can receive up to $10 million in liability limits.

Liability limits can cover legal defense costs, court judgments, court costs, auto liability coverage, bodily injury, personal injury (non-bodily injury), and coverage while abroad.

Nova Casualty Company has flexible statutory liability limits on a client’s workers’ compensation policies and up to $1 million on other insurance lines.

Another popular program with Nova Casualty Company is a free course aimed at commercial business vehicles called Quality Fleet Safety Program.

This program develops strategies to preserve the safety measures of drivers in a commercial business.

The Hanover SafeTeen programs geared toward teen drivers. It’s a group of programs that educate a new teen driver and gives parents peace of mind. Parents are able to monitor their teens as they commute in their local area.

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Canceling Your Nova Casualty Auto Insurance Policy

It can be complicated to cancel your auto insurance policy. The insurance law in each state varies, and canceling an auto insurance policy immediately isn’t an option you can take unless you have neglected to pay your auto insurance policy.

Nova Casualty Company doesn’t have any specific steps on how their policyholders can cancel. Therefore, we’ll use this section to explore ways you can cancel and give advice on how to approach cancellation.

Is there a cancellation fee?

You may face a cancellation fee if you haven’t gone through the entire duration of the policy. An auto insurance provider may want to keep you until you’ve paid the policy in full. It depends on the auto insurance company’s terms of service.

However, auto insurance companies have the right to charge a fee if a customer decides to cancel before the policy ends.

Do you get a refund when you cancel auto insurance?

If you paid your policy in full, you may be entitled to a refund. Why? Since you’ve prepaid for your auto insurance policy, you should receive a refund for the auto insurance you didn’t use.

This may be a general method for some insurance companies, but it may not be a practice for other companies, so be sure to ask an agent how you can receive a refund.

If you’re entitled to a refund, and the auto insurance company won’t give you a refund, contact an attorney on what’s the best course of action.

How do I cancel my auto insurance policy?

Although Nova Casualty Company doesn’t have much information about canceling on their affiliate website, there is a way can you contact agents at Nova Casualty Company and their parent company, Hanover.

First, try contacting the Nova Casualty Company agent who handles your auto insurance policy. If your agent can’t be reached, contact Hanover’s billing and policy service department at 1-800-922-8427 about the information on how you can cancel your Nova Casualty insurance policy.

Can you cancel your auto insurance policy at any time?

When can you cancel an auto insurance policy? That depends on your location in the U.S. and your timing of when you want to cancel.

Most auto insurance providers will allow you to cancel when you give them proper notice. A 30 to 60-day notice may be ideal. You may have to pay a fee or the rest of the policy you’ve agreed to pay when you first signed up.

Since Nova Casualty Company doesn’t specify when you can cancel or whether there’s a fee, you’ll have to contact them or their parent company, Hanover Insurance Group, for more details.

How to Make a Nova Casualty Auto Insurance Claim?

Clients of Nova Casualty Company have access to experienced claims administration and adjustment professionals. According to Nova’s website, the company combines cost-effective claims handling and superior customer service.

All Nova Casualty auto insurance policyholders can get their submit their auto insurance claims through Hanover’s website. We’ll explore each step on how you can submit a Nova Casualty auto insurance claim.

Step 1: Navigate to the Claims Service.

When entering Hanover’s website, you can access their “Claims Service” by clicking on it in the top banner.  From there, click on the link that reads “Auto” under online web forms.

Step 2: Read the online claim conditions.

Before you fill out the auto insurance claim form for Nova Casualty, take a minute to read the introduction of the form.

Nova Casualty Company uses a third-party claims administrator vendors to facilitate and expedite the claims management and payment process. Scroll down to begin filling out the form.

Step 3: Enter your auto insurance information.

Your policy number could make the claim process much faster. The Nova Casualty Company will be able to fill in the gaps of information if they have more information about you.

Once you enter all the information required, scroll down to the next section.

Step 4:Add your contact information.

Your contact information will give Nova Casualty Company a way to contact you for updates about your auto insurance claim.

Double-check the information to make sure it’s accurate. You don’t want Nova Casualty Company to contact the wrong number or e-mail.

Step 5: Where did the accident occur?

This works just like any call to an auto insurance company, except you’ll be giving information through an online form.

The more descriptive information you give to the form, the better it will be to understand your auto insurance claim.

Step 6: Enter your vehicle information.

Your vehicle information will be easy to fill out. Provide your vehicle information, as shown in the dialog boxes below.

Describing the damage to the vehicle will have to be specific. In addition to vehicle damage description, you can provide an estimate of how much damages will cost.

Step 7: Report other property damage and vehicle information.

The online form will need to know information from the other driver. This information can be obtained by a police report. If you were hit by a hit-and-run driver, this information may be omitted.

Enter all the necessary information and continue on to the next step.

Step 8: Witnesses and where your vehicle is located.

Witness statements are usually in a police report, but you will need to report where your damaged vehicle is located.

When a vehicle is undrivable, it’s normally towed to your home address or to an auto repair shop of your choice.

Step 9: Attach photos and submit your auto insurance claim.

The final step will need you to provide who’s issuing the report and the person’s e-mail address. Enter your information carefully and add an e-mail that you’re most active with.

You’ll have an option to submit the online auto insurance claim, print the form, or reset the online form. Submit your auto insurance claim when you’re done.

The administrators of the company have experience in managing the alternative risk management parameters of Nova Casualty’s customers.

When Nova writes specialty insurance for its customers, maintaining sufficient claims management resources is always considered.

The company will retain specialized administrators when onboarding and underwriting specialty insurance clients.

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How to Get a Nova Casualty Auto Insurance Quote Online

You can get an auto insurance quote from Nova Casualty Company through Hanover agents at select office locations. Unfortunately, the company does not do online quotes.

However, any potential customer can find a Hanover affiliate office using the parent company’s website location query.

But that doesn’t really guarantee a quote. However, you can use our free comparison tool to compare auto insurance rates just by entering your ZIP code.

Nova Casualty Company: Auto Insurance Ratings

Although Hanover Insurance Group is rated by most major financial and credit rating agencies, Nova Casualty Company has been reviewed only by A.M. Best and the Better Business Bureau.

Nova Casualty has an “A” with A.M. Best and an “A+” with the Better Business Bureau (BBB) in Buffalo, NY. However, Nova Casualty’s rating in its Springfield, Massachusets location hasn’t been rated.

Nova Casualty Company: Auto Insurance History

There’s some confusion when the company first began. Many private and independent brokers across the U.S. started Nova Casualty Company at different times.

Nova Casualty is a subsidiary of the AIX Group. The AIX Group is a member of the Hanover Group, and Hanover Insurance Group has been in business for 150 years. However, the AIX Group has been around for less than a decade.

The AIX Group was founded in 2004. In 2008, the AIX Group became a member of the Hanover Group. The AIX Group specializes in providing commercial insurance in specialty industries.

All other company names function as smaller affiliates, but all Nova auto insurance companies are under their parent company, Hanover Insurance Group.

Nova Casualty Company has different company names. Here are a few company names that Nova Casualty Company is associated with:

  • Nova American Group Inc.
  • Nova Alternative Risk LLC
  • Novamerican Reinsurance Company Ltd.
  • Nova Insurance Group Inc.
  • AIX Group Trust

Nova Casualty Company writes business for the AIX Group of Insurance Companies. AIX Group is owned by The Hanover Insurance Group of Worcester, Massachusetts.

Nova Casualty has more than 30 years of experience in providing products and services through an independent insurance agent and broker network.

Nova Casualty Company offers personal auto insurance, but it’s best known for commercial and employer insurance options.

How is Nova Casualty’s online presence?

Nova Casualty doesn’t have an exclusive website, but the company does all of its business through its parent company, Hanover Insurance Group. So if you want to file a claim, receive a quote, make a Nova Casualty Company payment, or explore other insurance services, you’ll have to visit Hanover’s website for Nova Casualty services.

The website features the Hanover Insurance logo, Hanover insurance agent locator, and Hanover auto insurance information. You will also find information on other Hanover subsidiaries, like Citizens Insurance Company of America, Citizens Life and Casualty Insurance Company, and Allmerica Financial Benefit insurance company of Metairie, LA.

Does Nova Casualty Company have commercials?

Nova Casualty Company is a small company and lacks the financial strength that some other small insurance companies have across the U.S. Nova Casualty has been around for over 30 years, so they may have a commercial within that time. For now, there aren’t any commercials available.

Is Nova Casualty Company involved in the community?

Most auto insurance companies get involved with their local community through donations to nonprofit groups in their local areas. Nova Casualty Company’s parent company, Hanover Insurance Group, has a program designed to help financially challenged communities known as the Hanover Human Services Advantage.

The Hanover Human Services Advantage helps nonprofit and for-profit organizations provide assistance to communities in dire need of help.

What do Nova Casualty Company employees have to say?

Nova Casualty Company has a few reviews but not enough to make a solid judgment on the total employee experience. Glassdoor reported that the Buffalo, NY location was rated at two stars.

The number of employees at Nova Casualty Company’s Buffalo location is about 50 employees. Nova Casualty Company is listed as a private company that earns $10 million to $25 million in revenue per year.

Nova Casualty Company is made up of independent auto insurance brokers or agents in your area that initiate interest in selling the company’s products and services by emailing a cover letter and resume to The Hanover Insurance Group.

Anyone who’s interested in employment with Nova Casualty Company can fill out a form online to join THG’s “Talent Community” and email list.

The company seeks proprietary marketing and sales professionals, actuaries, information technology, data processing, finance, operations, underwriting, and administrative professionals.

The company is also looking for talented college graduates for a variety of roles within the company and THIG organizations.

Interested professionals may identify open job opportunities by location on The Hanover Insurance Group website.

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Design of Nova Casualty Auto Insurance Website/App

Nova Casualty Company shares the Hanover Insurance Group website. The design of the website is as complex as any big company, but it’s easy to navigate.

The website is a responsive collection of webpages, so the website is able to fit the display of a computer screen, tablet, or smartphone. Since Hanover Insurance Group is Nova Casualty Company’s parent company, policyholders may be able to use Hanover’s mobile app to manage their accounts.

Nova Auto Insurance: The Bottom Line

Nova Casualty Company doesn’t have a lot of information available. The company is limited to private insurance agents across the U.S. It’s hard to determine auto insurance rates when the only access to a quote is through in-person quotes.

Compare your auto insurance rates from several competitors by providing your ZIP code now to request FREE auto insurance quotes!

Frequently Asked Questions: Nova Casualty Company Auto Insurance

#1 – What is AIX Speciality Insurance Co.?

AIX Speciality Insurance Co. is a member of The Hanover Insurance Group that has been offering specialty programs to specific commercial businesses for over 30 years.

#2 – What is the Nova American Group Inc.?

This is the Buffalo, NY location for Nova Casualty Company. Bloomberg reports that Nova American Group Inc. started in 2005.

#3 – Is Nova Casualty Company the same as Nova Health Insurance?

No, these are two different companies.

#4 – Does Nova Casualty Company have a specific website?

Nova Casualty Company operates through the Hanover Insurance Group’s website.

#5 – Can I get full coverage from Nova Casualty Company?

Yes. In addition to liability coverage, Nova Casualty Company has collision and comprehensive coverage available for its customers. Full coverage is normally required for vehicles you’ve recently leased.

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