Penn National Insurance Review

Key Points:

• Penn National Insurance operates in 12 states and has a reliable history.
• Our rate data shows Penn National Insurance is generally more expensive than industry averages for different scenarios.
• We recommend comparing multiple companies when you shop for car insurance.

Some things matter more than others when it comes to insurance. While Penn National auto insurance might not come with the best mobile app, it does provide good coverage options. But is that enough to go with the company?

Today, we’ll let you know what to expect from Penn National auto insurance, then we’ll compare Penn National to some of the best car insurance companies in the nation. No matter which provider stands out to you, we recommend comparing a few insurance quotes before signing up for a policy.

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Penn National Insurance Rating

Our team rates Penn National Insurance 3.7 stars out of 5.0 overall. This means we rank other companies like Progressive and State Farm ahead of Penn National. Our rating system takes multiple factors like reliability, availability, and coverage into account. Below, you can see our individual ratings for Penn National Insurance.

Penn National Pros And Cons

Below are a few pros and cons we found in our Penn National Insurance review.

About Penn National

Here are some quick facts about Penn National:

• Founded in 1919
• “A” financial strength rating from AM Best
• Sells car insurance in 12 states through independent agents
• Among the top 100 providers in the United States by written premiums

Penn National Insurance offers personal auto insurance in Alabama, Delaware, Iowa, Pennsylvania, Maryland, Minnesota, New Jersey, North Carolina, South Carolina, Tennessee, Virginia, and Wisconsin.

Overall, Penn National has good financial ratings and few complaints. It’s a mutual insurance company, which means its policyholders own the business.

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Penn National Auto Insurance Coverage

You can get all the standard types of car insurance from Penn National.

• Liability auto insurance: Compensates other people for medical bills and repairs when you cause an accident.
• Collision coverage: Pays to fix your car after an accident with another moving vehicle.
• Comprehensive car insurance: Pays to fix your car after an accident with a stationary object, damage from the environment, or vandalism.
• Medical payments: Covers your medical bills after an accident.
• Personal injury protection (PIP): Covers your medical bills plus lost wages and death benefits.
• Uninsured/underinsured motorist: Covers your medical bills and car repairs if someone without enough insurance causes an accident.

Penn National also provides a few extra coverage options that you can add to your policy.

• Auto PennPac^®: This upgrade package includes many things like pet coverage, seat belt benefits, and death benefits. For drivers with collision and comprehensive, the package increases limits for towing and labor and adds a few more coverages, including trip interruption.
• Auto loan/lease coverage: This option covers the difference between your loan and what your car is worth at the time of a total loss–also called gap insurance.
• New car replacement: This protects against depreciation for new cars in the event of a total loss.
• Towing and labor: This covers towing to a repair shop and mechanical labor at the breakdown site.

Note that Penn National doesn’t offer rideshare coverage, which you need if you drive for a company like Uber or Lyft.

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Cost Of Penn National Auto Insurance

Our rate data shows Penn National Insurance costs about $2,284 per year or $190 per month for full-coverage insurance. Minimum coverage from the company costs about $1,582 per year or $132 per month. These costs apply to a single 30-year-old male driver with a good record and good credit.

Penn National Insurance tends to be more expensive than the industry average according to our rate data. Below, you can see how it compares to national averages for different driving scenarios.

Penn National Insurance Cost By Age

Age plays a huge role in what you pay for car insurance. Younger drivers have less experience so they pay more. Below, you can see how Penn National rates vary based on different driver ages. Keep in mind these rates apply to drivers with their own policies. A 16-year-old would save money by being on a family plan.

The only way to know exactly what you‘ll pay for Penn National auto insurance is to get a quote from an agent. However, some things will make your policy more or less expensive no matter which company you go with. Car insurance rates may be affected by:

• Age
• ZIP code
• Credit score
• Driving history
• Driving habits
• Type of car

Penn National Insurance Discounts

Like most car insurance companies, Penn National offers a variety of discounts. If you qualify for one or more, you can save on your Penn National auto insurance premium.

• Bundling home and auto
• Passive restraints
• Daytime running lights
• Anti-lock brakes
• Good student
• Student away at school
• Driver’s education course
• Multi-vehicle
• Pay in full

Penn National Insurance sells through hundreds of independent agents. You can find the closest agent to you on the website and request a quote.

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Penn National Insurance App

Customers can use the Penn National Insurance app to make payments, view ID cards, and access policy information. At least, that’s the idea. The app has fairly low ratings: it scores 2.0 stars on Google Play and 1.3 stars on the Apple App Store. Reviewers mention issues logging into the app and say the system doesn’t recognize their credentials.

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Penn National Insurance Reviews

Penn National has a C- rating from the Better Business Bureau (BBB). This is because the business failed to respond to three complaints.

Unfortunately, there are no positive Penn National Insurance reviews on the company’s BBB page. It has received 17 complaints that have been closed in the last 3 years. One person said they were hit by a Penn National driver and had a hard time getting through to the claims department. Another customer said they got put on hold for hours and couldn’t get through to customer service.

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Penn National Auto Insurance: Our Take

At the end of the day, Penn National is a decent choice if you can find a low rate from the company. It gets the job done and has a few extras to choose from. Just be sure to print your ID card instead of relying on the app for that. When you reach out for a Penn National auto insurance quote, make sure to check which discounts you qualify for.

Our Recommendations For Car Insurance

No one looks forward to shopping for car insurance, but spending the extra time to get multiple quotes is worth it. If you just get one, you don’t know if it’s a good value compared to other options. We recommend checking out Progressive and USAA.

Progressive: Best For Usage-Based Insurance

Progressive excels in the technology department–it has a highly-rated app and a few different tools for drivers to save money. For example, the Snapshot^® usage-based program tracks driving behavior and can help you save money if you’re a safe driver. The company is also known for its Name Your Price^® and quote comparison tools.

Extra coverage options from Progressive include rideshare insurance, roadside assistance, accident forgiveness, loan/lease payoff, custom parts value, deductible savings bank, and classic car coverage. The company offers 13 discounts including good student, multi-policy, and teen driver discounts.

Read our Progressive insurance review for more information.

USAA: Best For Military Members

USAA regularly has cheaper rates than anyone else. At the same time, it has a great customer service reputation and financial rating. The only catch is that you have to be a military member, veteran, or the spouse or child of someone with a USAA insurance policy. 

Extra coverage options from the company include roadside assistance, rental reimbursement, accident forgiveness, gap insurance, rideshare insurance, and classic car insurance. USAA offers 12 discounts including military deployment, garage on base, safe driver, good student, and annual mileage.

Read more about the provider in our complete USAA insurance review.

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Penn National Insurance Review: FAQ

Below are a few frequently asked questions about Penn National Insurance.

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How We Rate Penn National Insurance

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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