PEMCO Car Insurance Reviews: The Pros and Cons

PEMCO Car Insurance Reviews- The Pros and Cons

The most common trend among PEMCO Car Insurance reviews is that policyholders appreciate their numerous discount opportunities. As an insurance provider that has structured their business plan to include drivers searching for low-cost premiums, it’s a great choice. With the right insurance policy, you’ll have coverage for your vehicle both on and off the road.

About PEMCO Car Insurance

PEMCO Car Insurance is structured differently when compared to other insurance providers, as it is a mutual insurance company. This means that policyholders are the ones who own the company.

Designed to service clients in the Northwest, residents of Washington and Oregon, it’s a highly reputable company to consider. You’ll appreciate how PEMCO is an all-inclusive solution if you are searching for multiple types of insurance.

Not only do they specialize in auto insurance but umbrella coverage, renters, condo, home, life, and boat insurance as well. Policyholders can take advantage of further discounts by bundling multiple policies together.

PEMCO Car Insurance Coverage Options

Before finalizing your policy with any insurance provider, you need to make sure you have the perfect level of coverage. The coverage you’ll be able to use from PEMCO includes:


If your vehicle is damaged from an accident, collision coverage helps to cover the costs of your repairs regardless of who is found at fault.


Recommended for costs outside of collision damage, comprehensive coverage protects your vehicle against theft, fire, vandalism, and more.

Bodily Injury

If you’re found at fault for causing bodily injury to another driver, this coverage covers their medical costs as well as potential defense costs for court appearances.

Under/Uninsured Motorist

Accidents, where the other driver is uninsured or underinsured, can be a lot to deal with financially. With this type of coverage, any damage will be paid for if the other driver’s policy is lacking or nonexistent.

Property Damage

This helps to cover the costs of another person’s belongings or vehicle if you’re found at fault in an accident.


A few of the other types of coverage from PEMCO include:

  • Rental Reimbursement
  • Auto Loan Coverage
  • Towing and Labor
  • Accidental Death
  • Accident Forgiveness
  • Rideshare Coverage
  • Minor Ticket Forgiveness
  • Key Replacement/Recoding (Washington)
  • Camper Coverage (Washington)
  • Custom Parts and Equipment (Washington)
  • Pet Coverage (Washington)

Benefits of PEMCO Car Insurance Policies

Every car insurance company has an assortment of benefits for their policyholders, though it’s obvious PEMCO may have a few extra benefits to consider. The most notable advantages of having one of their policies include:


Compared to most other insurance providers, PEMCO has an outstanding reputation for the numerous discounts they offer to drivers. These include:

  • Home and Auto Bundling

If you bundle your auto and home insurance policies, you’ll be able to save on both.

  • Educator

Perfect for teachers, you’ll receive a discount on your policy if you teach at a private or public school, university, or community college. Your reduced rates also carry over if you retire.

  • Good Student

Students who maintain a GPA of 3.0 or higher may be eligible for discounts.

  • Distance Students

Parents of students who go to school over 75 miles away without a vehicle at school can get a discount on their policy.

  • Safety Features

Is your vehicle equipped with antitheft devices? If so, you’re eligible for discounts.

  • Alumni

Individuals who are alumni of the University of Washington who live in Oregon or Washington are eligible for additional savings.

  • Others

In addition, you can take advantage of the following discount opportunities:

  • Low Mileage
  • New Vehicle
  • Paid-in-Full
  • Advance Purchase
  • Customer Loyalty

Accident Forgiveness

As the majority of policyholders with PEMCO have clean driving records, you’ll appreciate being able to take advantage of accident forgiveness for your first incident. In addition, drivers won’t have to worry about increased insurance rates after getting their first ticket.

It’s important to note these benefits only apply to drivers who are insured with the company for five or more years.

Mobile Application

Ideal for drivers who prefer to manage their policies online and while on-the-go, the thoroughly designed mobile app is a must-have. The Go PEMCO app gives you immediate access to your policy, including proof of insurance, and the ability to make claims 24 hours a day.

Superior Customer Service

As per their ratings from J.D. Power, PEMCO has been one of the top-rated auto insurance companies in the Northwest for five years in a row. This means that they offer superior customer service, especially when compared to other insurance companies.

Cons of PEMCO Car Insurance Policies

At this point, it may seem like there aren’t any disadvantages to PEMCO, as they treat their customers better than most. However, there are a couple of concerns to note, such as:

No Rate Locking

There have been numerous reports of customers noticing unexpectedly high premiums even after being loyal customers. It appears as if the company does not offer any rate locking, which means that you could be subjected to inflated rates over the years.

Limited Availability

Due to the fact this insurance company only operates in two states, they have very limited coverage. In addition, some of their discounts are only available to people who have graduated from certain schools or who hold specific job titles.

Poor for High-Risk Drivers

Unfortunately, PEMCO is not the ideal insurance provider for drivers who have a spotty history. If you have multiple tickets and traffic infractions on your record, you are likely to have incredibly high premiums. In addition, it can be difficult to be approved for coverage with a poor driving record and poor credit.

As an alternative, you could be better suited to choosing a provider that specializes in high-risk drivers. This can help to make sure you get the coverage you need for a price that is a little more agreeable.

PEMCO Car Insurance Reviews: Final Thoughts

When looking at PEMCO Car Insurance reviews, you’re likely to notice that they’re very positive, especially when compared to their competitors. With multiple ways for you to receive discounts on your policy, it’s likely you’ll be able to find the least expensive premiums with their help. However, their policies aren’t recommended for high-risk drivers or those with bad credit.

If you want to create your own customized insurance plan, PEMCO is one of the top-tier providers in the Northwest and have received multiple positive ratings from J.D. Power surveys.

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