Pennsylvania National Auto Insurance Review (2022)

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.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 30, 2022

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: Sep 30, 2022

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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 30, 2022Fact Checked
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Penn National Insurance

Average annual 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.

The Bottom Line

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.

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.

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

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Pennsylvania National vs. Competitors

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.

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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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