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Penn National Car Insurance

Smart Score

80

Industry Average: 75

Smart Score

80
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

9.3
/10

Industry Average: 8

Value for Price

7
/10

Industry Average: 7

Penn National Overview

Penn National Insurance was founded by a farmers’ trade organization in 1919. They sell insurance through independent agents in 11 states. While the main lines that Penn National Insurance specializes in are personal auto, liability, workers compensation, commercial auto, and homeowners, it also has other specialty coverage. The company has a wide offering of online services to make insurance more convenient for you, and some good add-on options or discounts for auto/home coverage.

Lines of Business:

Penn National Ratings Breakdown

Smart Score

80

Penn National: 80
Industry Average: 75
Penn National: 80
Industry Average: 75

Why our Smart Score matters

Penn National’s Smart Score of 80 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Penn National’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 80, Penn National rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Penn National: 7.7
Industry Average: 7.7
Penn National: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Penn National’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Penn National’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Penn National’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.3

Penn National: 9.3
Industry Average: 8
Penn National: 9.3
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Penn National. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Penn National handles it.


Penn National’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Penn National.


What does this mean for you?

Evident from a claims score of 9.3, Penn National has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7

Penn National: 7
Industry Average: 7
Penn National: 7
Industry Average: 7

Penn National’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Penn National comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Penn National’s value for price score of 7 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Penn National Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Penn National has than average. With an index of 0.7 Penn National is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Penn National has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Penn National has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.7 Penn National is better than average.

Penn National Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Penn National

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Ridesharing Coverage

Covers you from legal liability or personal injury claims of your passengers if you are in an accident while working for a ridesharing service.

Preferred Repair Services

A preferred auto repair shop that usually has an ongoing working relationship with your insurance provider.

Penn National availability in these states

Penn National Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Penn National has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

Paid in Full

Because of the time value of money, it's better to recieve a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy.

Compare

How does Penn National compare to other insurance companies? Click the following links below to compare Penn National to other top insurance companies.

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