PEMCO ranks 13th overall nationally, with affordability and coverage options as its strongest categories. The ranking is based on a 40-year-old male driver with good credit and no violations. Your ranking will differ based on your profile and coverage level. For a broader comparison, our guide to the best car insurance companies lists top-rated providers with quotes from multiple carriers.
PEMCO Car Insurance Review
Updated: July 29, 2026
Advertising & Editorial Disclosure
Key Takeaways
PEMCO earns 1fourth place for full coverage affordability and 15th for minimum liability coverage with monthly rates of $116 and $55, respectively.
PEMCO ranks fourth nationwide for customer satisfaction. Strong agent service and positive forum reviews from policyholders drive that score.
PEMCO ranks 11th for coverage options. Specialized features include accident forgiveness and new car replacement for total losses.
PEMCO Car Insurance Ratings
| Overall Score | 4.08 | 13 |
| Customer Experience | 4.8 | 4 |
| Coverage | 2.5 | 11 |
| Affordability | 3.98 | 13 |
Who Is PEMCO Car Insurance Best and Worst For?
PEMCO is best for drivers with a DUI. Due to its higher rates, drivers should avoid this insurer in most other categories.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.76 | 14 |
How Much Does PEMCO Car Insurance Cost?
PEMCO car insurance costs range from $40 to $1,463 monthly based on your profile and coverage choices. We've broken down national costs by age group, gender, coverage level, credit score and driving record to help you make the best decision for your situation.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $229 | $2,748 | 23% | 14 |
PEMCO Car Insurance Rates by Driver Category
This insurer will be much more expensive for most drivers, including adults, young drivers, seniors and those with accidents or tickets. It is quite affordable if you have a DUI. You can review how affordable PEMCO is for your specific driving category below.
| Adult Drivers | $47 | $101 | 4% | 13 |
| Drivers With a DUI | $87 | $170 | -28% | 6 |
| Drivers With an Accident | $75 | $148 | 21% | 16 |
| Drivers With a Speeding Ticket | $64 | $131 | 10% | 13 |
| Drivers With Bad Credit | $80 | $165 | -13% | 9 |
| Drivers With Low Income | $60 | $127 | 5% | 9 |
| Drivers With Newer Cars | $61 | $130 | -2% | 12 |
| Drivers With Old Cars | $41 | $87 | 2% | 10 |
| Senior Drivers | $101 | $186 | 78% | 20 |
| Young Drivers | $212 | $383 | 95% | 20 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
PEMCO Car Insurance Discounts
This insurer offers 18 car insurance discounts, with average savings of up to 20% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle (Auto Plus Home) | Varies | Insure both auto and home (or renters) with PEMCO - save on both policies | Available in Washington & Oregon |
Auto Plus Mariner | Varies | Insure both auto and boat with PEMCO - save on both policies | Currently available in Washington only |
Auto Plus Umbrella | Varies | Add umbrella policy to auto and home coverage for extra liability protection | Currently available in Washington only |
PEMCODOMETER My Driving | Average 10% Up to 20% | Safe driving habits monitored via smartphone app for 91 days - smooth stops, speed limit compliance, no phone use while driving | Available in Washington & Oregon |
Educator Discount | Varies | Work for school (public or private), community college, or university - not just teachers qualify, keep discount when you retire | Available in Washington & Oregon |
Good Student | Varies | Full-time students ages 16-24 with GPA of 3.0 or higher | Available in Washington & Oregon |
Away At School | Varies | Student attends school 75+ miles from home and does not have a car at school | Available in Washington & Oregon |
Defensive Driver | Varies | Drivers ages 55 and above who complete a certified defensive driving course | Available in Washington & Oregon |
Homeownership | Varies | Own your home, mobile home, or condo (regardless of insurer) | Available in Washington & Oregon |
Low Mileage | Varies | Drive your vehicle fewer than 8,000 miles annually | Available in Washington & Oregon |
New Vehicle | Varies | Vehicle is fewer than five model years old when policy becomes effective | Available in Washington & Oregon |
Leased Auto | Varies | Lease your car - discount applies to both comprehensive and collision coverage | Currently available in Washington only |
Loyal Auto Customer | Varies | Start getting this discount after one year with PEMCO | Available in Washington & Oregon |
Paid in Full | Varies | Pay bill in one annual payment or two six-month payments | Available in Washington & Oregon |
Spin-off | Varies | Already covered on someone else's PEMCO policy - save when you start your own new PEMCO policy | Available in Washington & Oregon |
Advance Purchase | Varies | Buy PEMCO policy seven or more days before coverage starts | Currently available for new policies in Washington only |
Advance Quote | Varies | Get a quote at least one day before your coverage starts | Available in Washington & Oregon |
Paperless | Varies | Choose paperless options for policy documents delivered online with email alerts | Currently available in Washington only |
PEMCO Car Insurance Customer Reviews and Reputation
PEMCO earned fourth place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews from various forums and the company's website reveal strong performance in agent service and digital platform functionality.
Claims processing generated more complaints than other service areas. Based on our research, we break down the buying, policy management and claims process experiences.
Buying Process ExperienceCustomers cite PEMCO's competitive rates as among the lowest available in the Pacific Northwest. Some report that initial quotes increasedafter signing up, with additional state-required coverages added weeks later by email.
Policy ManagementPolicy management draws recurring complaints. Rate increases without clear explanations are a common concern, with documented cases including a premium jump from $1,876 to $2,700 despite no significant claims. Billing errors, including forms mailed to the wrong addresses, appear across multiple reviews.
Privacy concerns also surface, with customers reporting that PEMCO contacted family members who were not authorized account contacts, raising confidentiality issues.
Claims ExperienceClaims experiences with PEMCO vary sharply. Positive reviews cite quick response times, helpful adjusters and timely processing. Negative reviews describe adjusters refusing to pay claims despite clear evidence, month-long delays with no communication and defensive attitudes that turn accusatory when challenged.
PEMCO Car Insurance Industry Customer Satisfaction Ratings
PEMCO holds strong financial strength ratings across all industry rating agencies, but finishes average or below average in most J.D. Power studies. Industry scores are listed below.
AM Best Financial Strength | B++ (Good) | A++ to D- | Good ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | bbb (Good) | aaa to d | Good credit quality (downgraded from bbb+ in March 2025) |
S&P Global Financial Strength | Not Rated | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | Not Rated | Aaa to C | Upper-medium grade with low credit risk |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Not included in national auto claims satisfaction studies |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Not available as separate rating |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Not included in national shopping studies |
J.D. Power Overall Customer Satisfaction | 666/1,000 (#1 in Northwest) | Out of 1,000 | #1 in Customer Satisfaction among Auto Insurers in Northwest Region |
NAIC Auto Complaints | 0.17 | 1.00 is average | 83% fewer complaints than expected for company size |
PEMCO Car Insurance Reddit and Forum Customer Satisfaction
Forum and Reddit feedback points to the same strengths and weaknesses. Customers value competitive rates, PEMCO's mutual company structure and its Pacific Northwest focus. Accident forgiveness and multi-policy discounts are frequently cited positives. Recurring complaints center on rate increases for long-term customers, claims processing delays, disputes with adjusters and policy cancellations after minor infractions. Customer service responsiveness gets mixed marks.
General thoughts on pricing initially are positive, with PEMCO offering competitive rates in the Pacific Northwest, but rate increases over time affect long-term value:
"Any WA people have input on PEMCO? Good, bad, ugly? I moved here from FL about six months ago, and my auto insurance went up . I've been casually shopping around for new insurance, and PEMCO quoted me a very attractive rate."
"As a loyal customer (auto, house) of 11 years, I just got my 1/2 yearly auto insurance. It was $325 for a 15-year-old Subaru, less than 1000 miles driven a year, no claims ever, insurance premium. Why? What have I ever done to warrant this absurd price increase?"
Most customers have mixed experiences with claims handling, with some praising efficiency while others report disputes and delays:
"I've had PEMCO for five years and very happy with them. Used to have State Farm, and rates were lower with PEMCO. Had one car claim (hit a deer) and one homeowners and both handled quickly and professionally."
"PEMCO was at fault, and they did everything possible not to pay a penny. It's been weeks, and I'm getting an attorney to fix that. Their adjusters are not human as they were trying to inhumanely scare me and me from seeking medical assistance and getting my car fixed."
Agent service receives consistent praise, though overall customer service experiences vary widely. Three customers describe the range:
"Customer service is top-notch. Agents are always helpful and pleasant. They make changes and updates easy. They also made my experience filing a claim when my car was damaged very easy."
"They're quick to respond to accidents, slower to return calls, but are professional, and helpful."
"When you call their customer service, they will say it is what it is in a rude way!"
PEMCO's online resources and mobile app are generally well-regarded by customers who use them:
"PEMCO's mobile app has many features and functionalities designed to enhance the customer experience. The app provides convenient access to policy information. This lets customers view their coverage details, premiums, and even request policy changes."
As a mutual insurance company, PEMCO has a generally positive reputation, though some customers report disappointment after claims or policy changes:
"Hmm, been with PEMCO for nearly twenty years. They cover our home as well. No problems at all in insuring the Corvette. We've only had a couple of claims, all pretty major ones... They treated us with exemplary service at that time."
"PEMCO was fine until I had an accident, after over 30+ years of no accidents.. Poor customer service and refusal to continue coverage, despite excellent driving history!"
"Involved in a minor fender bender in early 2023, and my wife got a ticket for 5 miles over the speed limit outside, and our auto coverage got cancelled. We have spent hundreds of thousands of premium dollars with them over the years, only to discover they are not the partner we thought they were."
People appreciate PEMCO's coverage options and unique Pacific Northwest focus, along with good discounts for bundling:
"Thanks for the input, everyone. After some additional shopping around, I went ahead and made the switch to PEMCO today. I was able to bundle my home insurance with the auto insurance, and long story short, I'm saving almost $700/year - and that's with much higher coverage all the way around."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
PEMCO Car Insurance Coverage Options
It provides standard coverages like other major insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Rideshare Endorsement | Protects you when driving for rideshare companies like Uber or Lyft, covering gaps in rideshare company insurance and reducing deductibles | Gap coverage protection; regular PEMCO deductible applies; additional protection when rideshare coverage is primary |
Auto Loan Coverage | Often called gap insurance, pays the difference between what you owe on your car loan and what the car is worth if it's totaled | Loan payoff protection; covers negative equity situations |
Rental Car Reimbursement | Helps pay for a rental car while your car is in the shop due to an eligible claim or covered accident | Transportation continuity; daily rental allowance; covers repair period |
Custom Parts and Equipment Coverage | Covers aftermarket parts and equipment added to your vehicle, such as custom wheels, stereo systems, or other modifications | Up to $500 coverage; Washington residents only; covers custom modifications |
Key Replacement Coverage | Covers the cost of replacing or recoding electronic lock and key parts if your car keys are lost, stolen, or damaged | Up to $500 coverage; Washington residents only; electronic key protection |
Pet Injury Coverage | Pays up to $1,000 if your dog or cat is injured or killed in a covered collision while being transported in your vehicle | Up to $1,000 benefit; covers dogs and cats; collision-related injuries only |
Towing Coverage | Provides assistance if your car breaks down and needs work on the spot or must be towed to a repair shop | Roadside assistance; emergency towing; on-site repair services |
First Accident Forgiveness | If you've been insured with PEMCO for five or more years, your rate won't increase after your first minor accident | Rate protection; requires 5+ years with PEMCO; first minor accident only |
Other PEMCO Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
PEMCO (Directly Offered) | Auto Insurance, home insurance, renters insurance, condo insurance, boat insurance, umbrella insurance |
Third-Party Partner | Life insurance (Ladder), pet insurance (Pets Best), motorcycle insurance (PEMCO Agency), manufactured homes, collector vehicles, earthquake insurance, environmental flooding, home warranty coverage |
PEMCO Auto Insurance Review: Bottom Line
PEMCO excels in customer experience, earning 13th place overall for full coverage and 15th for minimum coverage. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
PEMCO Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about the company's car insurance:
PEMCO is a legitimate car insurance company that takes 13th place in our comprehensive car insurance provider rankings.
Based on our analysis, PEMCO does not rank first in any state or territory.
PEMCO charges adults an average of $641 annually for state minimum coverage and $1,333 for full coverage. Annual rates span $485 to $8,299 for minimum and $996 to $13,128 for full coverage.
No widespread claim denial pattern appears in customer feedback. Online complaints are limited relative to PEMCO's customer base, which suggests standard processing. Detailed claim satisfaction data isn't publicly available for a fuller picture.
PEMCO ranks sixth for affordability among high-risk drivers after a DUI, which is competitive relative to most major insurers.
Yes, PEMCO raises rates over time due to inflation driving up repair and medical costs, plus increased claims from distracted driving and severe weather. They also adjust rates based on area risk assessments, regulatory changes, and individual factors like credit score shifts.
No, PEMCO isn't ideal for young drivers, with expensive rates that place them 20th in our affordability rankings for this demographic.
How We Rated PEMCO Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
Our baseline is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, 12,000 miles a year, a valid license and no prior claims. We adjusted age, driving record, credit score and military status to identify the best rates for different driver categories.
Minimum coverage rates meet state-required minimums. Full coverage uses $100,000/$300,000/$100,000 liability limits with comprehensive and collision coverage and a $1,000 deductible.
Specific variables, including age, driving record, credit score and military status, were then modified to determine which insurers offer the best rates for different driver categories. Minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
MoneyGeek's evaluation process weights three factors: cost (60%), customer satisfaction (30%) and coverage variety (10%). Cost is measured through quote comparisons across multiple driver profiles per city against local competitors. Customer satisfaction draws on Google reviews, J.D. Power ratings, AM Best scores and Reddit forums to assess service quality and claims experience. Coverage variety reflects the breadth of available policies and any features not commonly offered by competitors.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.