Pennsylvania National Auto Insurance Review (2024)

Looking at Penn National auto insurance company? They offer property and casualty insurance to clients and have a financial rating of A- (Excellent) by A.M. Best.

UPDATED: Feb 2, 2024Fact Checked

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: Feb 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 2, 2024Fact Checked
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Penn National Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Penn National Insurance provides individual and commercial property and casualty insurance to clients.
  • Pennsylvania National ranks in the top 10 percent (102nd) of 1,000 property and casualty underwriters in the U.S. based on net premiums.
  • The company is rated A- (Excellent).

Cons

  • The company focuses on a nine-state, East Coast marketplace.

Final Verdict: Review of Penn National Insurance

This Pennsylvania National Auto Insurance Review looks at Harrisburg, Pennsylvania-located Pennsylvania National Mutual Casualty Insurance Company.

The company’s marketplace isn’t actually national. The company focuses on a nine-state, East Coast marketplace.

The company, operating as Penn National Insurance, provides individual and commercial property and casualty insurance to clients in Pennsylvania, 40 percent of its business, Maryland, Delaware, New Jersey, North Carolina, Virginia, South Carolina, Alabama and Tennessee.

Personal auto insurance policies account for about 26 percent of direct premiums written, according to the 2010 Annual Report.

Do you pay too much for auto insurance? Get free auto insurance quotes from other insurance companies now. Just enter your ZIP code above and start comparing rates today!

Homeowners, private auto and umbrella coverage isn’t available in Alabama, South Carolina, and Delaware. Inservco Insurance Services Inc., a third-party claims administrator subsidiary, helps self-insured clients manage risk.

[su_box title="Things to Remember..." style="default”]
  • Penn National Insurance provides individual and commercial property and casualty insurance to clients
  • Pennsylvania National ranks in the top 10 percent (102nd) of 1,000 property and casualty underwriters in the U.S. based on net premiums
  • The company is rated A- (Excellent)
[/su_box] This Pennsylvania National Auto Insurance Review looks at Harrisburg, Pennsylvania-located Pennsylvania National Mutual Casualty Insurance Company. The company’s marketplace isn’t actually national. The company focuses on a nine-state, East Coast marketplace. The company, operating as Penn National Insurance, provides individual and commercial property and casualty insurance to clients in Pennsylvania, 40 percent of its business, Maryland, Delaware, New Jersey, North Carolina, Virginia, South Carolina, Alabama and Tennessee. Personal auto insurance policies account for about 26 percent of direct premiums written, according to the 2010 Annual Report. Do you pay too much for auto insurance? Get free auto insurance quotes from other insurance companies now. Just enter your ZIP code above and start comparing rates today! Homeowners, private auto and umbrella coverage isn’t available in Alabama, South Carolina, and Delaware. Inservco Insurance Services Inc., a third-party claims administrator subsidiary, helps self-insured clients manage risk.

What You Should Know About Pennsylvania National

Pennsylvania National uses a network of about 750 independent insurance brokers and agents throughout its nine-state market.

According to the company website, Pennsylvania National ranks in the top 10 percent (102nd) of 1,000 property and casualty underwriters in the U.S. based on net premiums.

Pennsylvania National Auto Insurance Financial Information

Pennsylvania National is rated A- (Excellent) by A.M. Best. Its financial strength is the foundation of its services.

The company has about $1.3 billion in total assets, according to the 2010 Annual Report. Premium writings were greater than $500 million during fiscal year-ended December 2010.

Pennsylvania National Auto Insurance History

The company was founded in 1919 by a farmers’ group that was angry about the cost of workers’ comp coverage. They knew it was possible to drive down the high costs of liability insurance.

Pennsylvania National started to offer other insurance lines to suit the needs of its clients.

Rather than the company’s initial agricultural business focus, Pennsylvania National now tends to the needs of service-focused businesses.

Pennsylvania National started to offer other insurance lines to suit the needs of its clients.

Rather than the company’s initial agricultural business focus, Pennsylvania National now tends to the needs of service-focused businesses.

Pennsylvania National Auto Insurance Customer Service

Pennsylvania National’s value proposition aligns with its location. The company says it doesn’t want a national marketplace.

By remaining in a regional market, the company offers personal attention and face-to-face assistance.

Filing a claim can occur in person or through the toll-free intake number. The company offers clients the choice of how to obtain services.

The company also believes that an independent insurance agent and broker network affords clients the widest range of choices.

Pennsylvania National doesn’t want to compete solely on auto insurance rates, but clients have a choice to compare costs offered through the independent network.

Pennsylvania National Insurance Coverage Options

About 26 percent of the company’s premiums written were in personal auto insurance lines, and about 15 percent were in commercial auto insurance lines. The company’s other 2010 premiums written were:

  • Other liability- 16 percent
  • Workers’ comp- 14 percent
  • Homeowners- 11 percent
  • Business owners- 7 percent
  • Other- 11 percent

Marketplace percentages of premiums written:

  • Pennsylvania- 40 percent
  • North Carolina- 18 percent
  • New Jersey- 11 percent
  • Alabama- 8 percent
  • Maryland- 7 percent
  • Virginia/Tennessee- 15 percent

Sister companies include Penn National Realty Trust, Penn National Mutual Casualty Insurance Company (Pittsburgh, Pennsylvania), Penn National Security Insurance Company, Pennsylvania National Mutual Casualty Insurance Company (Nashville, Tennessee), Pennsylvania National Mutual Casualty Insurance Company (Greensboro, North Carolina), and Pennsylvania National Mutual Casualty Insurance Company (Lawrenceville, New Jersey).

According to Dun & Bradstreet, Pennsylvania National earned $556.52 million for the fiscal year ended December 2010. The company generated $28.66 million in net income for the period.

The company employs about 800 people in all office locations. About half of the company’s employees work in the Harrisburg, Pennsylvania headquarters office.

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How Pennsylvania National Ranks Among Providers

Pennsylvania National competes most often with three other national auto insurance companies, Liberty Mutual, State Farm, and Allstate.

The company competes with Geico, Nationwide, Progressive, Farmers Group, The Travelers Companies, and The Hartford in its regional marketplace.

Personalized service and cost-effective property and casualty insurance services are its greatest claimed competitive advantages.

Some of its competitors, such as Allstate, operate on thin profit margins of about 4.18 percent. The Travelers enjoy wider profit margins of 13.49 percent in the regional market.

Frequently Asked Questions

What is Pennsylvania National Auto Insurance?

Pennsylvania National Auto Insurance is an insurance company that provides coverage for automobiles in the state of Pennsylvania. They offer various auto insurance policies to protect drivers and their vehicles against potential risks and damages.

What types of auto insurance policies does Pennsylvania National offer?

Pennsylvania National Auto Insurance offers a range of auto insurance policies, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and more. These policies can be customized to meet individual driver’s needs.

How can I get a quote for Pennsylvania National Auto Insurance?

To obtain a quote from Pennsylvania National Auto Insurance, you can visit their official website and fill out the online quote request form. Alternatively, you can call their customer service hotline and speak with a representative who will assist you in getting a quote.

Are there any discounts available with Pennsylvania National Auto Insurance?

Yes, Pennsylvania National Auto Insurance offers various discounts to policyholders. These discounts may include safe driver discounts, multi-vehicle discounts, good student discounts, anti-theft device discounts, and more. The availability and eligibility criteria for discounts may vary, so it’s best to check with the insurance company directly.

How do I file a claim with Pennsylvania National Auto Insurance?

To file a claim with Pennsylvania National Auto Insurance, you can contact their claims department by phone or online. They will guide you through the process and provide the necessary information and forms to complete the claim. It’s important to report any accidents or damages as soon as possible to initiate the claims process.

Can I manage my policy online with Pennsylvania National Auto Insurance?

Yes, Pennsylvania National Auto Insurance provides online policy management services. Through their website or mobile app, you can access your policy information, make payments, request changes to your policy, view documents, and more. This convenient online platform allows you to manage your insurance policy at your convenience.

Does Pennsylvania National Auto Insurance offer roadside assistance?

Yes, Pennsylvania National Auto Insurance offers roadside assistance as an optional coverage. This service can provide assistance in case of vehicle breakdowns, flat tires, lockouts, and other roadside emergencies. You can add this coverage to your policy for an additional fee.

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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