Loan & Insurance

Review of Pemco auto insurance

For those who live in the Pacific Northwest and are interested in both common and uncommon coverage options, Pemco vehicle insurance packages can be a smart choice. Pemco is a mutual insurance firm, meaning that its customers own it. It has higher-than-average customer satisfaction scores and fewer complaints than the norm.

Review of pemco auto insurance

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Quick take away

Availability Only available in Washington and Oregon
J.D. Power customer satisfaction ratings Above average
Number of complaints in 2021 Fewer than average
How to get an insurance quote Online, by phone, or in-person
How to submit a claim Online, via the mobile app, or by phone


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Things you should know about Pemco auto insurance

Pemco is a mutual insurance company with customers in Oregon and Washington that is owned by its customers. The company provides insurance for renters, automobiles, homes, condos, umbrella policies, pets, boats, motorcycles, scooters, ATVs, and utility vehicles.

Limited Availability

Only Oregon and Washington citizens can buy auto insurance with Pemco. You will need to deal with another insurer to get coverage if you reside in a different state. If you’re relocating to the region and are interested in receiving a quote, Pemco advises contacting one of the firm’s authorized insurance brokers for details on available policies and rates.

High Customers satisfaction scores

In the J.D. Power 2021 U.S. Auto Insurance Study, Pemco received higher customer satisfaction scores than the national average, earning the second-highest rating in the Northwest region. According to the National Association of Insurance Commissioners, the company received fewer complaints than the typical rate for insurance companies of its size.

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Range of supplemented coverages added for protection

Liability, uninsured/underinsured motorists, personal injury protection, collision, and comprehensive auto insurance are all available to Pemco clients. The business also offers a few uncommon solutions.

Both Oregon and Washington offer the following:

Accidental death coverage — If someone covered by the insurance policy dies in a car accident, their spouse or estate receives a payment of $10,000.

Pet coverage — Get up to $1,000 if your dog or cat is injured or killed in a covered crash.

Rideshare coverage — This add-on can protect you when driving for a rideshare company like Lyft or Uber.

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The following choices are only accessible in Washington.

Replacing or recoding key coverage — Get up to $500 to replace or recode your vehicle’s electronic locks and key components.

Camper, canopy, and tonneau coverage — This add-on pays to replace your equipment, up to the policy limit, after a covered loss.

Custom parts and equipment coverage — This coverage pays to replace custom after-market equipment like AV systems or custom wheels up to the policy limit.

Rental car coverage — If you rent a car that’s involved in a covered loss, this type of coverage pays for the damage.

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Auto discount insurance offered by Pemco

The followings are auto insurance discounts offered by Pemco:

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  • Bundling discount
  • Safety discount
  • Good student discount
  • Defensive driver discount
  • Loyal auto customer discount
  • Homeownership discount
  • Low mileage discount
  • Educator discount
  • New vehicle discount
  • Pay in full discount
  • University of Washington alumni discounts


Does Pemco offer gap insurance?

Pemco refers to it as auto loan coverage. A typical policy only pays the actual cash worth of your car at the time of the loss if it is totaled. Depending on whether you have an auto loan or lease, the sum might not be sufficient to pay it off.

The difference between what you owe and what your typical auto insurance policy will pay is covered by gap insurance or auto loan coverage.

Read more: Different types of car insurance

Does Pemco cover motorcycles?

Yes. In addition to getting insurance for traditional automobiles, you can also purchase coverage for motorcycles, scooters, ATVs, and utility vehicles from Pemco.

That is all for this article, where the review of Pemco auto insurance is being discussed. I hope you learn a lot from the reading, if so, kindly share with others. Thanks for reading, see you around!