Penn National Insurance Review & Ratings (2023)

This Pennsylvania National Insurance Review will cover Pennsylvania National Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Pennsylvania National Insurance A.M. Best rating is A-. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Mar 13, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 13, 2023

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Company Details
Address: Two North Second Street
City: Harrisburg
State: PA
ZIP Code: 17101
Phone Number: (717) 234-4941
Fax: (717) 255-6317
AM Best Rating: A-
Moody's Rating: Baa1

Insurance is a necessary expense for all drivers, but finding the right policy can be a challenge. Pennsylvania National Insurance is a regional insurance company that has been providing affordable insurance to Pennsylvania drivers for over 100 years.

  • Pennsylvania National Insurance is a regional insurance company that provides auto, home, and business insurance exclusively in Pennsylvania.
  • The company has been in business since 1919 and has a reputation for excellent customer service and affordable rates.
  • Pennsylvania National Insurance offers a wide range of discounts to its customers, including safe driver discounts, multi-car discounts, and discounts for bundling home and auto insurance policies.

In this review, we’ll take a closer look at Pennsylvania National Insurance’s history, mission, products, services, discounts, and customer reviews to help you determine if it’s the right insurance company for you.

History and Mission: Penn National Insurance

Pennsylvania National Insurance was founded in 1919 in Harrisburg, Pennsylvania, and has been providing insurance products to Pennsylvania residents for over a century.

The company’s mission is to provide affordable, high-quality insurance products and exceptional customer service to the people of Pennsylvania. They pride themselves on their local expertise, personalized service, and commitment to their customers.

Pennsylvania National Insurance is a regional insurance company that is deeply rooted in the Pennsylvania community. They have a long history of supporting local organizations and causes, and they strive to be a responsible and socially conscious corporate citizen.

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Coverage Plans With Penn National Insurance

Pennsylvania National Insurance offers a variety of insurance products and services to meet the needs of its customers.

Here’s a closer look at some of the main products and services offered by the company:

  • Auto insurance: Pennsylvania National Insurance offers liability, collision, and comprehensive coverage for cars, trucks, and motorcycles. They also offer a variety of additional coverage options, such as roadside assistance, rental car coverage, and uninsured/underinsured motorist coverage.
  • Home insurance: Pennsylvania National Insurance offers homeowners, renters, and condo insurance policies to protect your property and personal belongings. Their home insurance policies provide coverage for a range of perils, including fire, theft, and natural disasters.
  • Business insurance: Pennsylvania National Insurance offers a variety of commercial insurance products, including general liability, workers’ compensation, and commercial auto insurance. They also offer specialized insurance products for specific industries, such as construction, healthcare, and hospitality.
  • Umbrella insurance: Pennsylvania National Insurance offers umbrella insurance policies to provide additional liability coverage above and beyond the limits of your existing policies.
  • Flood insurance: Pennsylvania National Insurance offers flood insurance policies to protect your property and belongings from flood damage, which is not typically covered by standard homeowners or renters insurance policies.

The cost of Pennsylvania National Insurance’s products varies depending on the coverage you need, your driving record, and other factors. However, Pennsylvania National Insurance is known for offering competitive rates and discounts to help you save money on your insurance premiums.

Cost of Penn National Insurance

The cost of insurance with Pennsylvania National Insurance will depend on a variety of factors, including your location, the type of insurance you’re purchasing, your age, your driving record, and the level of coverage you need.

Here are some general points to keep in mind when considering the cost of insurance with Pennsylvania National Insurance:

  • Pennsylvania National Insurance is known for offering competitive rates, but their prices may not be the lowest on the market. However, they do offer a range of discounts and other ways to save money on your insurance premiums.
  • Pennsylvania National Insurance offers a variety of coverage options, and the cost of each policy will vary depending on the coverage limits you choose. Generally speaking, higher coverage limits will result in higher premiums.
  • In some cases, you may be able to bundle multiple policies with Pennsylvania National Insurance to save money. For example, you might be able to bundle your auto and home insurance policies together to get a lower overall rate.
  • To get an accurate quote for insurance with Pennsylvania National Insurance, you’ll need to provide some basic information about yourself and your insurance needs. You can do this online, over the phone, or by visiting a local agent.

Overall, the cost of insurance with Pennsylvania National Insurance will depend on a variety of factors, and it’s best to get a personalized quote to see how much coverage will cost in your specific situation.

States That Offer Penn National Insurance

Pennsylvania National Insurance is a regional insurance company that primarily serves customers in the state of Pennsylvania.

However, the company also offers insurance products in a few other states in the Northeastern United States. Here are the states where Pennsylvania National Insurance currently offers insurance:

  • Pennsylvania
  • Maryland
  • New Jersey
  • New York
  • Ohio
  • Virginia
  • West Virginia

It’s worth noting that the specific insurance products and coverage options available may vary by state. If you’re interested in purchasing insurance from Pennsylvania National Insurance and you live outside of Pennsylvania, it’s a good idea to check with the company to see what products and services are available in your state.

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Discounts Available With Penn National Insurance

Pennsylvania National Insurance offers a variety of discounts to help customers save money on their insurance premiums. Here are some of the discounts that may be available:

  • Multi-policy discount: If you purchase multiple insurance policies from Pennsylvania National Insurance, such as auto and home insurance, you may be eligible for a discount on your premiums.
  • Safe driver discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount.
  • Good student discount: If you’re a student who maintains good grades, you may be eligible for a good student discount on your auto insurance premiums.
  • Home safety discount: If you have safety features installed in your home, such as smoke detectors or burglar alarms, you may be eligible for a discount on your homeowners insurance premiums.
  • Paid-in-full discount: If you pay your insurance premiums in full rather than in installments, you may be eligible for a discount.
  • Paperless billing discount: If you opt to receive your bills and policy documents electronically rather than through the mail, you may be eligible for a discount.
  • Low mileage discount: If you don’t drive your car very often, you may be eligible for a low mileage discount on your auto insurance premiums.

These are just a few examples of the discounts that may be available from Pennsylvania National Insurance. The specific discounts and eligibility requirements may vary depending on the state and type of insurance you’re purchasing.

It’s best to contact the company directly or speak with a local agent to learn more about the discounts that are available to you.

What Customers Are Saying About Penn National Insurance

When it comes to customer reviews, Pennsylvania National Insurance generally receives positive feedback from its customers. Here’s a summary of what customers have to say about the company:

Pros:

  • Good customer service: Many customers praise the company’s customer service, saying that representatives are friendly, knowledgeable, and helpful.
  • Competitive rates: Customers also appreciate the company’s competitive rates, which can be lower than those offered by larger, national insurance providers.
  • Easy claims process: Several customers have noted that filing a claim with Pennsylvania National Insurance is a relatively easy process.
  • Discounts: As mentioned earlier, Pennsylvania National Insurance offers a variety of discounts, and many customers appreciate the ability to save money on their premiums.

Cons:

  • Limited availability: Because Pennsylvania National Insurance is a regional provider, it may not be available in all areas. This can be a drawback for customers who move or travel frequently.
  • Limited online capabilities: Some customers have noted that the company’s website can be difficult to navigate and that it doesn’t offer all of the features and capabilities that are available from other, larger insurance providers.

Overall, Pennsylvania National Insurance appears to be a good choice for customers who are looking for a regional insurance provider with competitive rates and good customer service.

While there are some limitations to the company’s offerings, many customers are satisfied with their experiences and would recommend the company to others.

Roundup: Penn National Insurance

In conclusion, Pennsylvania National Insurance is a regional insurance company that offers a variety of insurance products, including auto, home, and business insurance.

The company has a long history in the insurance industry, and its mission is to provide personalized service to its customers. While the company primarily serves customers in Pennsylvania, it also offers insurance products in a few other states in the Northeastern United States.

However, as with any insurance company, it’s important to compare quotes and coverage options before making a final decision.

Reviews
for Penn National Insurance

4.15 (66 reviews)
1
January 19, 2022

Marmike

Stop trying to rip people off

Was paying $46.98 per month. They tried to make it $50.00 per month. Told them that was not the agreed price. Told them I won't pay that. Left insurance run out. They tried to extort another $27.60 for cancelling policy. If not paid, going to collection agency. Went to different company. Got same kind of insurance for $30.10. saving $202.56 a year. Don't let them retire early by ripping you off or trying to extort money from you like they tried w...
Was paying $46.98 per month. They tried to make it $50.00 per month. Told them that was not the agreed price. Told them I won't pay that. Left insurance run out. They tried to extort another $27.60 for cancelling policy. If not paid, going to collection agency. Went to different company. Got same kind of insurance for $30.10. saving $202.56 a year. Don't let them retire early by ripping you off or trying to extort money from you like they tried with me. Check other company's out for same coverage and you will also be saving hundreds of $. Don't let them rip you off. Also, you'll see this posted on social media. People should know that this is a bad, crooked company.
1
May 25, 2021

jnsnj

The Bad Faith Insurance Company

Unethical claims practices seem to be the norm. I've been asking to be provided with a Internal Appeals Referral form, which is required by the State of NJ for a week and have not had any response from the claims department.
5
November 28, 2020

DoSm

Penn National Insurance is a great company

Coverage is above and beyond with accident forgiveness and waiving deductible on certain things. Agent is excellent. Website is good.
5
October 9, 2020

DBon

Agent was excellent, customer service and product features

Great agent, customer service and product features. Get the PennPac with all of the extras that is unique to this company.
5
May 3, 2020

alexsaidah

insurance

amazing insurance very good good coverage for a very great price i am overall amazed with the costumer service
1
November 10, 2019

Sniper

Thieves

My experience is that they are theives.I had a cancellation for my auto policy for Sunday 11-3 19.I was told I could pay on line over the weekend anytime and my policy would not cancel.I paid it on 11-2 which was a saturday.I paid it at 5 o'clock which was before midnight on saturday.I even got a confirmation number! I just found out a week later I have no isurance.Are you kidding me! THEY took the payment before it cancelled.Apparenrently they d...
My experience is that they are theives.I had a cancellation for my auto policy for Sunday 11-3 19.I was told I could pay on line over the weekend anytime and my policy would not cancel.I paid it on 11-2 which was a saturday.I paid it at 5 o'clock which was before midnight on saturday.I even got a confirmation number! I just found out a week later I have no isurance.Are you kidding me! THEY took the payment before it cancelled.Apparenrently they didn't process payment until next business day.Not my problem.I was told by them oh yeah you can make your payment anytime sir you will be fine [REDACTED NAME] ! As soon as they put there fingers on my bank account and touched my money the cancellation should have went away.I don't care if they don't put it through until the next business day or not.poiint is they took it before it cancelled and the fuckers cancelled it anyway!I have had nothing but problems with them. Don't believe the good reviews they are wolves in sheeps clothing!
1
August 21, 2019

Cat1234

A dishonest company

I have a policy with Penn National and have been in good standing with them for a few years. My car got water damage from rain and I received a call that my car is totaled and that damage is covered. I call to ask when I can cancel that car since it was totaled and when I will receive check, I then received a call from adjuster that my car is not covered due to lack of maintenance which is a lie. I don’t like this company because they will lie...
I have a policy with Penn National and have been in good standing with them for a few years. My car got water damage from rain and I received a call that my car is totaled and that damage is covered. I call to ask when I can cancel that car since it was totaled and when I will receive check, I then received a call from adjuster that my car is not covered due to lack of maintenance which is a lie. I don’t like this company because they will lie and do whatever they want in the end. Go with a company that is more reputable and larger. I have learned and will be ending coverage.Yelps reviews truly shows the reputation of this get over company.
5
June 26, 2019

Kennedy123

Great PRICES

they gave me an insurance policy when a lot of other companies said no because I missed one payment. they have been great and cheaper than I was paying before.
5
March 23, 2019

JMommy

Easy to deal with on claims

They pay claims quickly and painlessly. I highly recommend using this company for all of your insurance needs.
1
March 1, 2019

throwaway123

Terrible Customer Service

I spoke with [REDACTED NAME] an adjuster located out of the [REDACTED CITY] PA area. I can not believe how rude and nasty she was right out of the gate. I asked what I believed to be a very reasonable question regarding an accident that I was in no way apart of. I am trying to clear my driving record of an accident that I was miles away from when it happened. All I needed was something stating that I was NOT the driver. She told me its impossible...
I spoke with [REDACTED NAME] an adjuster located out of the [REDACTED CITY] PA area. I can not believe how rude and nasty she was right out of the gate. I asked what I believed to be a very reasonable question regarding an accident that I was in no way apart of. I am trying to clear my driving record of an accident that I was miles away from when it happened. All I needed was something stating that I was NOT the driver. She told me its impossible for her to send me a copy of the claim report. Now in this day in age, when we can grow meat in a lab and cure diseases previously a death sentence; I find it extremely hard to believe that getting a copy of the claim report is impossible. Maybe she doesn't know how? To think that someone who treats insured members like that is representing this company is laughable. I can not stress enough how off putting the 5 minutes I spent talking with her was. I will without a doubt in my mind, never recommend Penn National as an auto policy to anybody. Chewing glass sounds more pleasant.
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