Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
B+(Verified 04/18/2025)
PEMCO Auto Insurance Review
PEMCO is a car insurance carrier based in Seattle, WA. The insurance company was founded in 1949 and offers car insurance in 2 states in the USA.
If you're considering whether Pemco car insurance is a good option for you, read on.
Pemco car insurance Pros & Cons
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Pemco car insurance FAQ
What types of car insurance coverage options does Pemco car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Pemco car insurance have roadside assistance?
No, PEMCO does not have roadside assistace.Does Pemco car insurance offer ridesharing insurance?
No, Pemco car insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Pemco car insurance offer?
Pemco car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Pemco car insurance offer?
When you ask for an insurance quote with Pemco car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Internal Safety Features: Pemco car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Pemco car insurance.
How does PEMCO calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and PEMCO is no exception. However, you can be confident that Pemco car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Pemco car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Pemco car insurance insurance quote
- Visit the PEMCO website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Message from Pemco car insurance
Hours of Operation
Sunday
Closed
Monday
7:00AM - 6:00PM
Tuesday
7:00AM - 6:00PM
Wednesday
7:00AM - 6:00PM
Thursday
7:00AM - 6:00PM
Friday
7:00AM - 6:00PM
Saturday
8:30AM - 5:00PM