Penn National vs The Hartford Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Penn National
Not Rated
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Insurify Composite Score

The Hartford
93
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Insurify Composite Score

Penn National VS The Hartford
Not Rated
93
What is this?
User Ratings
OptionsPenn National The Hartford
Rating/Reviews
3 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsPenn National The Hartford
Call Center Representative--About average
Insurer Website--Better than most
Overall Satisfaction--Better than most
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsPenn National The Hartford
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--The rest
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionPenn National The Hartford
California--835 pt
Better than most
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central--838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Mobile App Ratings
RegionPenn National The Hartford
Android--
376 Reviews
iOS--
47 Reviews
Financial Ratings
OptionsPenn National The Hartford
A.M. Best--A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityPenn National The Hartford
Philadelphia$46--
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityPenn National The Hartford
Philadelphia$54--
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityPenn National The Hartford
Philadelphia$51--
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityPenn National The Hartford
Philadelphia$49--
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityPenn National The Hartford
Philadelphia$55--
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityPenn National The Hartford
Philadelphia$49--
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityPenn National The Hartford
Philadelphia$57--
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityPenn National The Hartford
Philadelphia$40--
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityPenn National The Hartford
Philadelphia$62--
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityPenn National The Hartford
Philadelphia$54--
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityPenn National The Hartford
Philadelphia$51--
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityPenn National The Hartford
Philadelphia$46--
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityPenn National The Hartford
Philadelphia$50--
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typePenn National The Hartford
Anti-lock BrakeVaries--
Daytime Running LightsVaries--
Defensive DriverVariesUp to 5%
Driving trainingVariesVaries
Good StudentVariesUp to 15%
Low MileageVaries--
Multiple PolicyVariesUp to 20%
Multiple VehicleVaries--
Paid in fullVariesVaries
Passive RestraintVariesUp to 3%
Preferred paymentVaries--
Student Away at SchoolVaries--
Anti-Theft Device--Up to 15%
EV/Hybrid--Varies
teenSMART--Up to 10%

Payment Methods

Discount typePenn National The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesPenn National The Hartford
24/7 service--yes
Accident forgiveness--yes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesPenn National The Hartford
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
--yes
Gap Insurance
yes--
Glass Coverage --yes
New Car Replacement Coverage
yesyes
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Umbrella Policy
--yes
Vanishing Deductible
--yes

Insurance by State

Online Quoting by State

  • Penn National
  • The Hartford
  • Both

Compare Insurance Products

ProductPenn National The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes

User Reviews

  • Penn National Reviews
  • The Hartford Reviews
2.3
5 Stars
33 %
1 Star
67 %

Most Helpful Review

By Bernadette C.
I have an auto claim with this company. I was across the country when my daughter had an accident and totalled my car. I immediately phoned the company and filed a claim. I also told them that I was 1500 miles away with my husband at the Mayo Clinic and couldn't get to my vehicle until the following Thursday. They promised to put a hold on it. On arrival to the impound my vehicle was already gone. It had been towed the day before. It was towed 3 hours away and still had my license plate and belongings in it. It has been 2 weeks and I still haven't been reimbursed for my damaged vehicle. I did finally receive my license plate and a very few of my belongings but everything else is apparently gone..ie tripods, Garmin... I would not recommend this company to anyone!

Latest Review

By Bernadette C.
I have an auto claim with this company. I was across the country when my daughter had an accident and totalled my car. I immediately phoned the company and filed a claim. I also told them that I was 1500 miles away with my husband at the Mayo Clinic and couldn't get to my vehicle until the following Thursday. They promised to put a hold on it. On arrival to the impound my vehicle was already gone. It had been towed the day before. It was towed 3 hours away and still had my license plate and belongings in it. It has been 2 weeks and I still haven't been reimbursed for my damaged vehicle. I did finally receive my license plate and a very few of my belongings but everything else is apparently gone..ie tripods, Garmin... I would not recommend this company to anyone!

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Bernadette C.
I have an auto claim with this company. I was across the country when my daughter had an accident and totalled my car. I immediately phoned the company and filed a claim. I also told them that I was 1500 miles away with my husband at the Mayo Clinic and couldn't get to my vehicle until the following Thursday. They promised to put a hold on it. On arrival to the impound my vehicle was already gone. It had been towed the day before. It was towed 3 hours away and still had my license plate and belongings in it. It has been 2 weeks and I still haven't been reimbursed for my damaged vehicle. I did finally receive my license plate and a very few of my belongings but everything else is apparently gone..ie tripods, Garmin... I would not recommend this company to anyone!
Myrsini
I had our water heater burst and it seems your adjuster is more interested in saving money by neglecting to remove the carpet or carpet pad. Wet carpet needs to be pulled in total or it just harbors conditions that lead to mold and mildew, yes and further damage! Sticking a blower in a uplifted corner of the carpet WILL NOT get the job done!!! Especially if pad is soaked and needs to be replaced, the fans just dry the carpet, the pad 4 days later is still soaked and starts smelling like mildew....meanwhile the fans that are put in place just blow the mildew smell throught my house. The insurance Co. Refused to take out the carpet....they actually said if they remove the carpet then they wont do the drywall that was damaged...WHAT???!!! Mammoth restoration was absolutely no help at all,..and Penn Nationl insuance dosnt care about their customers or our house. This insurance company sucks..... the rep was horrible to speak to, no customer service at all.
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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.