Penn National Car Insurance Review

General customer sentiment shows initial attraction to Penn National's competitive rates, but long-term value concerns emerge:

"Great rates, solid website, agent is terrific, coverage goes above and beyond with accident forgiveness and deductible waived on many things. Bundled with home and umbrella."

"The company had fair prices and good claims service. However, they cancelled me after a claim. They paid it, but cancelled me."

"I also got a good quote for Penn National from an independent agent. I bought home owners and auto insurance. The price was $395 lower for the whole package compared to Cincinnati Insurance, my previous insurer."

Most customers report mixed experiences with claims handling, ranging from excellent service to major delays and disputes:

"This company is a complete joke. Almost 3 weeks ago I was involved in an accident where a policy holder of Penn National backed into me and damaged my car. It has been almost 3 weeks now and despite multiple calls and emails the adjuster assigned to the case has done absolutely nothing to set up a damage assessment and get my car fixed."

"It was later discovered that Penn National is attempting to fix my vehicle at a cheaper rate, with cheaper parts, and is not following the guidelines of my car's manufacturing company for repairs. It is two months later and I still do not have my vehicle and repairs have not begun because Penn National is refusing to agree with the collision shop's repair plan although their insured is at fault."

"The two Penn National adjusters were very professional. An adjuster was there in two days and the claim was settled with a payment check within the week."

Agent service quality varies a lot, with positive experiences often tied to independent agents rather than corporate representatives:

"I recently had my very first commercial building claim with Penn National, and I couldn't be more impressed with how everything was handled. From the very beginning the process was smooth and professional."

"They have the worst customer service ever it's been over a month my car was totaled I was dealing with USAA to take care of my car and they took my car from the USAA body shop that they were working with because they didn't want pay storage fees."

"Getting through to Penn National feels like a full-time job. Different reps tell you different things, nobody returns calls, and when they answer, they act like you're bothering them."

Penn National's online platform receives mixed reviews, with customers appreciating basic functionality but noting limitations during claim emergencies:

"Penn National's app and website work great for paying bills and checking your policy, but good luck using them when something goes wrong with your claim."

"The carrier provides plenty of details for customers such as a broken down claims process. The insurance company offers several modern customer service options such as 24/7 claims reporting, online bill pay, and find an agent features."

The most concerning pattern involves policy cancellations after claims, creating trust issues among long-term customers:

"My parents had Penn National for 20+ years. They filed a claim about 5 years ago for less than 5k. In summer 2022, they had a hail storm that left some roof damage. Penn National paid a claim for $3500. They received a letter at the end of January 2023 stating their insurance would be terminated at the end of February 2023. Reason? The damaged roof and gutters, ALL which were repaired with the issued check."

"Penn National is one of the worst! Don't use them! They issued us a policy on our home but required a walk-through/appraisal type inspection of the home. They came back and said they needed safety listings for the wood stove that we have. They claim that the wood stove isn't installed to required clearances. It is absolutely installed in compliance with state building codes and manufacturer specifications."

"Penn National fights you on everything. It'll change its tune real quick when the state insurance department gets involved, which tells you everything you need to know."

Customers generally appreciate the breadth of coverage options available, though understanding policy details can be challenging:

"Great rates, extra coverage offered that a lot of other companies don't have, flexible and courteous customer service and an outstanding agent!"

"Penn National offers all the bells and whistles you'd want in coverage options, but what's the point if it'll find every excuse not to pay when you need it?"

Yes, Penn National is a legitimate car insurance company that secured 23rd place in our comprehensive car insurance provider rankings. The insurer particularly excels in coverage options, where it earned an impressive 8th place ranking among all providers we evaluated.

In states where it operates, Penn National isn't the best overall option, but it's consistently in the top 10.

Penn National charges adults an average of $800 annually for state minimum coverage and $1,539 for full coverage. Annual rates span $561 to $6,614 for minimum coverage and $1,155 to $15,964 for full coverage.

Customer feedback suggests Penn National faces criticism for claim denials, with policyholders reporting rejected claims for legitimate damages and long processing delays. Still, comprehensive data on these practices is limited and comes mostly from individual forum reviews.

Note: This represents limited information based primarily on forum reviews.

Penn National is not a good option for drivers with a DUI, ranking 32nd overall for affordability with high monthly premiums.

Yes, Penn National raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather events. Rate adjustments also reflect updated risk assessments, regulatory changes, and individual factors like credit score modifications.

No, Penn National isn't the best choice for young drivers, ranking 25th for overall affordability with monthly premiums averaging $304.