PEMCO Insurance

994 Reviews

PEMCO is a mutual insurance company headquartered in Seattle that serves residents of Washington and Oregon. Founded in 1949, PEMCO has since grown to be one of the most prominent personal insurance companies in the Northwest. Here are a few key things to know about PEMCO Insurance:

4.2 / 5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers auto insurance, home insurance, boat insurance, and more.

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PEMCO Insurance Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/03/2023.

4.2

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WalletHub
February 3, 2023 • @WalletHub

editor's review

PEMCO Insurance Review

PEMCO Insurance is an above average car insurance company, given its low premiums and strong customer service. PEMCO’s NAIC rating is 0.32, which means it has fewer customer complaints than the average competitor, adjusted for size.

PEMCO insurance is only available in Idaho, Oregon, and Washington.

PEMCO Insurance Ratings

Reviews on WalletHub: 4.2/5
J.D. Power: 4.1/5
NAIC: 0.32
BBB: A+
AM Best: B++

PEMCO Insurance has not been accredited by the Better Business Bureau.

PEMCO Auto Insurance Review Highlights

Top Discounts – multi-policy discount, good student discount, defensive driver discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – auto loan coverage, towing and labor, and custom parts and equipment coverage.

Other Specialty Auto Insurance – motorcycle, scooter, and collector vehicle insurance.

PEMCO Home Insurance Review Highlights

PEMCO Insurance offers basic homeowners insurance policies, as well as coverage for condos and renters.

A homeowners insurance policy from PEMCO Insurance protects your home and personal belongings from a variety of damage-causing risks. PEMCO Insurance homeowners policies provide additional coverage for any damaged or destroyed roofs, windows, walls, plumbing, or foundation, loss of use, and optional coverage for additional structures like detached garages, sheds, or playhouses. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

For condo owners, an insurance policy from PEMCO Insurance will cover personal property replacement costs, loss of use, personal liability, loss assessment, and medical payments for others. Lastly, PEMCO Insurance offers renters insurance, which covers personal property, replacement costs, loss of use, personal liability, and medical payments to others.

Overall, PEMCO Insurance has reliable property insurance options for a variety of situations.

Bottom Line: Is PEMCO Insurance a Good Company?

PEMCO Insurance is an above average insurance company, given its competitive pricing and low number of customer complaints. PEMCO Insurance’s most notable insurance options include auto, homeowners, and umbrella policies.

Product: PEMCO Insurance Car Insurance

Comment

lisa_rathbun
September 6, 2021 • @lisa_rathbun

I'm appalled by the conduct of the multiple Pemco employees I've been dealing with. It's been 1 year 9 months since I was hit by an uninsured motorist while stopped at a stop sign. The abandoned my car at the repair shop where it was taken apart. The shop was going to put a lein on it so PEMCO (after I contacted them) towed it and abandoned it in my driveway. This was after they insisted it was intact and I explained that if it wasn't my HOA would fine me daily. Because my car is rare and there are only 2 compareable vehicles nationwide, they are fighting me tooth and nail over the cost of the claim. The com cars are around 15k, their offer is about 4k. They're not only bad insurance agents, they're bad people. Their lies have included inventing that the other driver had lost a pregnancy in the accident, that my car was already taken apart/totaled before I DROVE IT to the shop, and insisting they never got emails I've sent AFTER they've replied to them!!!

Product: PEMCO Insurance Car Insurance

Comment

brightstar98155
August 24, 2021 • @brightstar98155

I've had pemco insurance for 12 years with no infractions.no accidents a perfect driving record and now comes time to file a claim due to tire blow out and total damage to my rim tire and brake. Due to road conditions. Also damaging the front fender. Big laugh, they offered to pay for one side of the brakes, what company does just one side? None! Their company is or has been good up to the time for making a claim.

Product: PEMCO Insurance Car Insurance

Comment

wallethub_203
January 20, 2021 • @wallethub_203

I've been with PEMCO for over a decade now and it seems things are changing. For no discernable reason, my rates keep on going up, and the fine print on what they cover seems to be getting smaller and smaller. PEMCO has been a great company for a long time but all things change.

Product: PEMCO Insurance Umbrella Insurance

Comment

Chris K
September 30, 2020 • @ceklingman

We have been with Pemco for a few years for both home and auto and have had nothing but great experiences with everyone we have dealt with. Will Meeks, our local adjuster in Portland, is especially responsive, compassionate and experienced.

Product: PEMCO Insurance Home Insurance

Comment

Jason Moller
February 13, 2020 • @Jmoller

The worst insurance company! Except for signing up for their service is quick (of course, they are getting your money), the rest of the departments is very irresponsive, rude and defensive. I can feel the negative vibe in this company from talking to people who works here. I had bad experiences on both sides with this company - a customer and claimer. When I was their customer, they slowly jacked up the price without letting you know and when you called, they blamed for everything. Later, I was unlucky to deal with them again because the driver who rear ended me had insurance with this company so I had to deal with the claim department - horrible experiences. They got very defensive, then after arguing with them, they turned from defensive to accusing and being rude with you. The entire claim department did not care what happened to you, did not response in the timely manner which could cause unexpected cost to you and then refuse to pay for it because of this and that reasons. This company really do need a revamp in order to stay competitive. Because they put a bad taste in my mouth, I will never be their customer again !

Product: PEMCO Insurance Car Insurance

Comment

tyler_sevenstar
September 5, 2017 • @tyler_sevenstar

Not only did Pemco give a great rate, they really came through in a pinch when things went sour. It's frustrating when your insurance carrier takes their sweet time processing a claim, but these guys were on top of it. Highly recommend!

Product: PEMCO Insurance Car Insurance

Comment

Sarah Jesser
June 9, 2015 • @SReviews

Yes, they're a little different. And not in a good way.
If you want an insurance company that does *NOT look out for you, their customer; then they would be a good choice.
After 22 years of driving with no at fault accidents, and 9 years of clean driving while insured with Pemco; they let another driver take advantage of me because my front bumper bumped this drivers back bumper. There was no body damage to the vehicle, any normal and decent person would have waved it off as no problem. Pemco, lets this guy get away with seeking $10K + On top of this, my Pemco claim rep was more interested in making me at fault and treated me like a child.
Unfortunately a real accident occurred due to obstructed vision and oil slick roads. A witness to this accident who lives in the area, describes this road as accident prone, reporting two more accidents happened just within a week or a month of my accident. It should be noted that Pemco did not even see that I had a safe way home following this accident, and a stranger gave me a ride home. And again, this Pemco claim rep also treated me like a child. From the first incident, I can only assume they let this person get a way with the bank.
After my policy expired, I was told to have a month to get a car reinstated. After upon working to do so, I called Pemco and they essentially changed their mind.
Again, after 22 years of driving with no at fault accidents, and 9 years of clean driving while insured with Pemco; they would not cover me because of the above.
So in short, Pemco is an insurance company that will happily sit by and take your money, but when their services are needed they do not help you, treat you like a child, and then "abandon" you.

Product: PEMCO Insurance Car Insurance

Comment

j d
June 1, 2015 • @blackadder

I have used Pemco for several years now and have always been pleased with their service. I like the fact that they are based in the north west and their ad campaigns about NW'ers are funny so they get a few bonus points for that. As far as real world coverage goes, I have a good driving record and was very pleased with my policy quote/cost. I have had two cars covered by them and had no issues. Their customer service is very good and I can speak with a real person in very short order (well, mostly). I've only had one accident since my coverage began (not my fault) and it was handled very professionally and the outcome was fair. I do have a friend who was less than pleased with the way they handled her claim, but she was at fault in the accident - I haven't had that experience yet. I get the feeling that if you are a safe driver then they are definitely worthy of consideration. I like the idea of staying "local" when I buy things and Pemco fits the bill.

Product: PEMCO Insurance Car Insurance

Comment

Quincy Lee
February 3, 2015 • @quincy_lee_988

After having frustrating experiences with Allstate and State Farm I was finally ready to look for a different insurance company. I learned about PEMCO through a random Google search. I applied online for a car insurance rate and got a very good quote. I ended up talking with a PEMCO rep directly who was very helpful and friendly. The application process was very easy and user friendly. My wife had one claim but the process was easy and we didn’t have to fight to get out check. I recommend PEMCO!

Product: PEMCO Insurance Car Insurance

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PEMCO Insurance Q&A(6 questions)

Does PEMCO have accident forgiveness?

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WalletHub

Yes, PEMCO has accident forgiveness for car insurance customers. PEMCO accident forgiveness applies to one accident every five years, and it can be earned for free if you've been a PEMCO customer and safe driver for five years.

Keep in mind that PEMCO accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past five years, the other named drivers cannot have an accident forgiven.

On average, PEMCO premiums go up by 43% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don't qualify for PEMCO accident forgiveness, there are still other ways to lower your rate after an accident.

To learn more, check out reviews and key information about PEMCO, as well as our guide to accident forgiveness.

is there any discount for bundling with homeowners ,also Sr. discount?

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can PEMCO add flood insurance to a home policy

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Do you have brokers in Oregon??

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WalletHub

Yes, according to the company's website. In order to find agents, you can use the locator here: https://www.pemco.com/find-an-agent

View more answers

What is your new policy on cracked windshields?

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WalletHub

Please note that PEMCO glass repair is not a policy, but a service offered by the company to its customers with comprehensive coverage. For more details please visit: https://www.pemco.com/claims.

PEMCO Insurance Contact

What type of help do you need?

Visit Website

Main: 206-628-4000
Toll Free: 800-467-3626

opens at: 4:30pm

19020 33rd Avenue West, Suite 680

Lynnwood, WA 98036

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