Penn National vs USAA 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

USAA
96
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Insurify Composite Score

Penn National VS USAA
Not Rated
96
What is this?
User Ratings
OptionsPenn National USAA
Rating/Reviews
3 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsPenn National USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsPenn National USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionPenn National USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionPenn National USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsPenn National USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityPenn National USAA
Austin--$48
Chicago--$47
Philadelphia$46$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityPenn National USAA
Austin--$61
Chicago--$69
Philadelphia$54$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityPenn National USAA
Austin--$55
Chicago--$59
Philadelphia$51$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityPenn National USAA
Austin--$54
Chicago--$57
Philadelphia$49$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityPenn National USAA
Austin--$73
Chicago--$85
Philadelphia$55$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityPenn National USAA
Austin--$51
Chicago--$52
Philadelphia$49$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityPenn National USAA
Austin--$61
Chicago--$71
Philadelphia$57$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityPenn National USAA
Austin--$44
Chicago--$43
Philadelphia$40$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityPenn National USAA
Austin--$71
Chicago--$66
Philadelphia$62$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityPenn National USAA
Austin--$59
Chicago--$68
Philadelphia$54$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityPenn National USAA
Austin--$57
Chicago--$55
Philadelphia$51$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityPenn National USAA
Austin--$45
Chicago--$47
Philadelphia$46$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityPenn National USAA
Austin--$57
Chicago--$62
Philadelphia$50$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typePenn National USAA
Anti-lock BrakeVariesVaries
Daytime Running LightsVariesVaries
Defensive DriverVariesVaries
Driving trainingVariesVaries
Good StudentVariesVaries
Low MileageVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Passive RestraintVariesUp to 15%
Preferred paymentVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Family--Up to 10%
Good Driver--Up to 10%
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typePenn National USAA
Automatic Online Payment
yesyes
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesPenn National USAA
24/7 service--yes
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesPenn National USAA
Accident Forgiveness
--yes
Extended Coverage
--yes
Gap Insurance
yes--
New Car Replacement Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Penn National
  • USAA
  • Both

Compare Insurance Products

ProductPenn National USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Penn National Reviews
  • USAA 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.