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Are you looking to buy car insurance in Washington or Oregon? Certainly, you'll be looking for cheap car insurance. There are a lot of insurers in these states. Still, you'll be planning to buy affordable car insurance with lots of coverage and discounts. If so, Pemco car insurance can be a great choice!

Pemco stands for Public Employees Mutual Insurance Company. The policyholders control Pemco car insurance as its a mutual insurance firm. Affordable pricing is what makes Pemco unique among other insurers. Even though it's been one of Northwest's finest car insurance providers for the past years, you should still get multiple quotes and compare before deciding on one.

So, how much does Pemco car insurance cost? How can you get a Pemco car insurance quote? What are the coverages and discounts provided? Our review will answer all that!

Pros and Cons

Offers affordable premiums. Limited availability. The car insurance is only available in Oregon and Washington.
Provides good customer service. Low financial strength score.
Availability of many coverages and unique discounts. Insurance rates for drivers with offenses are higher.
Customers can file claims online. Unavailability of free policy cancelation.
Availability of rideshare coverage.

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Pemco Auto Insurance Coverages

The following coverages are available from Pemco car insurance.

Despite these basic coverages, the insurer also offers some extra optional coverages.

Coverage What it means
Modified vehicle insurance This insurance, often called customized parts and equipment coverage can assist with the repair or replacement of modifications and improvements you make to your car.
Accident forgiveness The coverage excuses your initial accident. So, there will be no surge in the auto insurance rate even if it is your fault.
Rental car reimbursement The cost of a rental car is covered if you cannot drive your car due to a covered loss, such as theft, collision, or vandalism.
Ridesharing coverage When you log into a TNC or a ridesharing service like Uber or Lyft, your standard auto insurance policy ceases to be in effect and no longer covers you. This coverage covers that gap.
GAP insurance It covers the gap between what drivers owe on their car and its current cash worth in case of a total loss.
Emergency roadside service Although coverage varies by insurer, it often includes lockout services, towing, labor to fix a flat tire, and jump starts for dead batteries.
Non-owner liability coverage This coverage is for those who use a car they do not own. Businesses who want to protect their staff members while they drive their cars to work also use it. This coverage may also apply to rental cars in some situations.
Original Equipment Manufacturer Coverage It is an optional policy that mandates that following an accident or component failure, repair shops can only install original manufacturer equipment to the car.
Pet Coverage If your pet gets killed or hurt in a covered collision loss, it will pay up to $1,000.

Pemco Average Auto Insurance Rates

A driver needs to pay around $1,044 to buy Pemco car insurance. However, the premium will be lower if you insure multiple cars under the same policy. Your driving history, age, gender, marital status, and address will all be considered when you buy Pemco auto insurance. It will also examine your car's make and model, insurance history, and driving habits, among other things.

Pemco Average Insurance Cost by State

The insurance is only available in two states - Oregon and Washington. The average monthly rate in Washington is higher than the average insurance rate. On average, a driver must pay around $1,068 for buying Pemco car insurance in Washington.

State Annual average rate
Washington $1,068

Pemco Auto Insurance Discounts

Though Pemco car insurance is affordable, how can you further lower the premiums? It is by using the various discounts that the insurer offers. Pemco can be a good choice for drivers in Oregon and Washington as it offers many discounts.

Discounts Available What It Means
Auto plus home You can save when you combine home and auto insurance.
Advance purchase A discount for early policy purchases is available for new plans bought at least seven days before the start of coverage.
Paid in full Available if you make a single annual or two payments of six months each.
New vehicle You'll get this discount for vehicles under five model years old.
Low mileage You can get a discount if you drive fewer than 8,000 miles annually.
Homeownership Discount for Pemco customers who own a house, a mobile home, or a condo.
Loyal auto customer Available after holding an auto insurance policy for more than a year with Pemco.
Minor ticket forgiveness If you haven't had an accident or received a ticket in five years, there won't be a premium hike for your first small violation.
Accident forgiveness If you've been accident-free for five years, there won't be an increase in your premium following your first small accident.
University of Washington alumni Available for graduates of the University of Washington with a bachelor's or higher degree.
Distant student This discount is available if a student doesn't have a car at school and studies more than 75 miles from home.
Good student Full-time students between 16 and 24 can get this discount with a 3.0 GPA.
Safety/security feature You can get this discount if your car has airbags and alarms.
Defensive driver Discount for motorists 55 or older who have finished a recognized defensive driving course.
Educator Discount for all employees working for schools, colleges, or universities.

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Pemco Auto Insurance Customer Satisfaction

Many of the customers are happy with Pemco car insurance rates. Customers are also happy with the customer service Pemco offers while they make claims. However, some customers complain that the insurance company raised the premiums without any reason. Also, there were complaints about delays in getting claim payouts. Summary

Pemco car insurance will be ideal for those who live in Washington and Oregon and don't want to spend much on auto insurance. Due to Pemco's tiered rate structure, the prices may become an issue if you have any penalties or accidents on your record. However, they have a long list of discounts, which may lower the cost of your car insurance.

Additionally, Pemco aims to draw in low-risk homes and drivers. Suppose you have a long history of safe driving with no tickets for speeding, accidents, or other violations. In that case, you could get Pemco's lowest prices. Another concern is the low financial strength of the company. It has only a 'B++' rating from AM Best. So, claim payouts may get delayed.

Despite having fewer options than some of the larger insurers, Pemco's website is still well-designed and helpful. It supports all fundamental operations, including requesting a quote, making a payment, and filing a claim. You can also use the mobile app. The same features as the website are available, plus you can download your insurance evidence if you get pulled over.

So, buy Pemco car insurance if you want an affordable insurance policy with many coverages and discounts. But, if you're looking for an insurer with good financial stability, Pemco won't be the right choice!

About Pemco Auto Insurance

Robert J. Handy, a Seattle educator, founded the Seattle Teachers Credit Union in 1936 when Pemco first began. That credit union gave rise to seven different businesses, the biggest of which is today known as PEMCO Insurance. In the meantime, the Seattle Teachers Credit Union has changed its name to Inspirus Credit Union.

Pemco, the largest personal lines insurer in the Pacific Northwest, provides auto, house, boat, and umbrella insurance to clients in Oregon and Washington. Pemco's headquarters is in Seattle's South Lake Union technology neighborhood. Regional offices are in Spokane and Lynnwood.

Contact Details

Type of Contact Contact
Home Office PO Box 778
Seattle, WA 98111-0778
Customer Service 8004673626
Claims Support 8004673626

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

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