PEMCO Car Insurance The Shocking Truth About Rates


This guide “PEMCO Car Insurance” explains pricing, availability, pros and cons, comparisons with other insurers, customer service details, quotes, Click Here

Finding the right car insurance can be a challenge with so many options available. PEMCO Car Insurance stands out for its localized approach, particularly in the Pacific Northwest, and its commitment to customer satisfaction. Our goal is to provide you with a thorough understanding of PEMCO Car Insurance to help you make an informed decision.

PEMCO Car Insurance Overview

PEMCO Insurance is a regional insurance provider based in Seattle, Washington, focusing primarily on the Pacific Northwest. Known for its excellent customer service and community involvement, PEMCO offers a variety of auto insurance products designed to meet the needs of drivers in Washington and Oregon.

PEMCO Car Insurance


Pricing is a critical aspect of choosing car insurance. PEMCO Car Insurance offers competitive rates, with premiums that vary based on factors such as the driver’s age, driving history, location, type of vehicle, and chosen coverage. Here’s an approximate breakdown of PEMCO’s pricing:

Coverage TypeMonthly Premium (Approx.)
Liability$50 – $85
Collision$100 – $150
Comprehensive$110 – $170
Full Coverage$150 – $240

PEMCO provides several discounts, including safe driver discounts, multi-car discounts, good student discounts, and bundling home and auto insurance.


PEMCO Car Insurance primarily serves residents of Washington and Oregon. This regional focus allows PEMCO to tailor its services to the specific needs and conditions of drivers in the Pacific Northwest. While this limits availability for those outside these states, it ensures highly specialized and localized service for those within.

Pros and Cons

Understanding the strengths and weaknesses of PEMCO Car Insurance is crucial for making an informed choice. Here are the pros and cons:


  • Localized Expertise: PEMCO’s regional focus means they understand the unique driving conditions and needs of Pacific Northwest residents.
  • Customer Service: Highly rated for excellent customer service and claims handling.
  • Discounts: Offers a variety of discounts, making their premiums more affordable.
  • Community Involvement: Strong commitment to community engagement and support.
  • Educational Resources: Provides useful tools and resources to help policyholders understand their coverage and driving risks.


  • Limited Availability: Only available in Washington and Oregon, which limits accessibility for those in other states.
  • Price Variability: Rates can vary significantly based on individual circumstances, which may be a drawback for some customers.
  • Online Tools: While functional, PEMCO’s online tools could benefit from more advanced features and improved user experience.

Comparison with Other Car Insurances

To provide a clearer picture, let’s compare PEMCO Car Insurance with other leading providers:

Feature/ProviderPEMCOState FarmGEICOProgressive
Average Monthly Premium$140$160$140$155
Customer Service Rating4.8/54/54.2/54/5
Claims Processing4.7/54.3/54.4/54.2/5
DiscountsMulti-policy, Good Student, etc.Multi-policy, Safe Driver, etc.Multi-policy, Military, etc.Multi-policy, Snapshot, etc.
AvailabilityWA, ORNationwideNationwideNationwide

Helpline Number and Contact Information

PEMCO prides itself on its customer service. For any inquiries or assistance, you can reach their helpline at:

  • Helpline Number: 1-800-GO-PEMCO (1-800-467-3626)
  • Website: PEMCO Car Insurance
  • Email:

Quotes Across Different States and Regions

Since PEMCO Car Insurance is only available in Washington and Oregon, here’s a look at how their rates vary within these states:

RegionLiability (Monthly)Collision (Monthly)Comprehensive (Monthly)Full Coverage (Monthly)
Seattle, WA$55 – $90$105 – $155$125 – $185$155 – $265
Portland, OR$50 – $85$100 – $150$120 – $180$150 – $255
Spokane, WA$50 – $80$95 – $145$115 – $175$145 – $235
Eugene, OR$45 – $75$90 – $140$110 – $170$140 – $230

Testimonials and Reviews

Customer testimonials and reviews provide valuable insights into PEMCO Car Insurance’s quality and service. Here are some real customer experiences:

Jessica R., Seattle, WA:
“PEMCO has been fantastic! Their customer service is always friendly and helpful. I had an accident last year, and the claims process was smooth and stress-free.”

Mark D., Portland, OR:
“I switched to PEMCO because of their competitive rates and excellent reputation. I’m glad I did. They offer great coverage and have saved me a lot of money.”

Linda S., Spokane, WA:
“PEMCO’s local focus really shows. They understand the unique driving conditions in our area, and their policies reflect that. Plus, their customer service is top-notch.”

Tom B., Eugene, OR:
“I appreciate the discounts PEMCO offers. As a good student, I get a significant reduction on my premium, which really helps. Their support team is also very responsive.”

Addressing Customer Concerns

While PEMCO Car Insurance has many satisfied customers, they also face some challenges. Addressing these concerns is crucial for continuous improvement:

1. Limited Availability:

  • Concern: Customers outside Washington and Oregon cannot access PEMCO’s services.
  • Solution: While expanding geographically might not be feasible, PEMCO can enhance its digital presence to provide resources and support to a broader audience.

2. Online Experience:

  • Concern: Some customers feel that the website and online tools could be more user-friendly.
  • Solution: PEMCO is working on enhancing their digital tools and user interface to improve the online experience for their customers.

3. Price Variability:

  • Concern: Rates can vary significantly based on individual circumstances, which may be frustrating for some customers.
  • Solution: PEMCO is committed to transparency and provides detailed explanations of rate differences, as well as personalized consultations to help customers understand their premiums.


PEMCO Car Insurance stands out in the crowded car insurance market due to its competitive pricing, excellent customer service, and regional expertise. While their availability is limited to Washington and Oregon, this localized focus allows PEMCO to provide highly specialized and relevant coverage to drivers in the Pacific Northwest.

By addressing the areas for improvement, particularly in online tools and expanding their digital reach, PEMCO is well-positioned to maintain and grow its customer base. For anyone in Washington or Oregon looking for reliable and customer-focused car insurance, PEMCO is a worthy contender. Visit their website or call their helpline at 1-800-GO-PEMCO (1-800-467-3626) to get a quote and learn more about their offerings. With their range of options and dedication to service, you’re likely to find a policy that meets your needs and gives you peace of mind on the road.

Here is Complete list of car Insurance in the United States 2024

1 thought on “PEMCO Car Insurance The Shocking Truth About Rates”

Leave a Comment