Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Laura Walker

Licensed Agent for 10 Years

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Licensed Agent for 10 Years

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 29, 2022Fact Checked

PEMCO insurance is a regional insurance company in the Northwest focused solely on consumers in the Washington State marketplace.

PEMCO offers many different types of insurance including homeowners insurance, life insurance and boat insurance but they are most well known for their auto insurance coverage.

Use our FREE quote tool to compare auto insurance today!

Washington State residents give rave reviews to PEMCO insurance and the company is one of the true success stories of a regional car insurance company in America.

Founded in 1949 by a math teacher from Seattle PEMCO started with a single focus on serving the needs of responsible drivers residing in Washington State.

Over the past 60 years the company has built one of the strongest reputations in the WA car insurance industry and a very a tough candidate for even the big brand names to switch customers from.

PEMCO is also very local in its advertising strategy opting not to advertise low car insurance rates or re-employ comedy which is funny to all. PEMCO car insurance commercials commonly cater to the activities of Washington

State residents which have proved to be highly successful. One of their latest campaigns includes the slogan “We’re a lot like you – a Little Different”.

PEMCO Market Share

It’s very rare to have a local car insurance company retain such a large market share when you have Geico, Allstate, State Farm and all the top 10 car insurance companies (who dominate almost 70% of the entire market) in the same state but PEMCO continues to thrive with over 500,000 policyholders and a retention rate said to be well over 90%.

Very few policyholders ever switch to another car insurance company.

PEMCO and the Community

Part of PEMCO’s charm is also its commitment to the Washington state community dedicating 5% of the company’s pre-tax profits back to local Washington State charities. According to the PEMCO website some of the organizations who benefit from donations include:

  • Crime Stoppers
  • Harborview Injury Prevention & Research Center
  • Junior Achievement
  • Make-a-Wish Foundation
  • Museum of History and Industry
  • United Way
  • Washington Business Week

The combination of charity at home, competitive rates and superior customer service certainly has won PEMCO a seat at the top insurance companies of Washington State table.

Can I buy shares in PEMCO?

No. PEMCO stands for the “Public Employees Mutual Insurance Company” and is not a publically traded company. Mutual companies are owned by their customers and not stockholders.

We suspect not having to answer to Wall Street has certainly provided many advantages to the way they can do business.

What type of insurance can I buy from PEMCO?

PEMCO’s largest product offering is auto insurance and they offer all the types of coverage most drivers need including:

  • Bodily Injury Liability
  • Property Damage Liability
  • Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Collision Coverage
  • Comprehensive Coverage
  • Rental Car Reimbursement
  • Accidental Death
  • GAP Insurance
  • and more

Policy options range from coverage to simply comply with Washington state minimum car insurance requirements to plans well in excess of $100,000 or more of coverage.

All of PEMCOs car insurance polices are comparable to any of the big brand names such as Geico or Allstate.

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PEMCO Car Insurance Discounts

Even as a regional car insurance company PEMCO still offers many of the same discounts national brands do. Good drivers certainly benefit the most but any policyholder can potentially take advantage of several car insurance discounts such as:

  • Multi-Policy Discount (for customers who insure a homeowners and auto insurance policy)
  • New Customer Discounts: Good drivers have a potential to earn further discounts in the first 2 years of being a policyholder.
  • Safe Driver Discount: Annual discount for every year of safe driving each year for up to 10 years
  • Low Mileage Discounts for Policyholders who commute 2 days or less per week
  • Vehicle Safety Discount
  • Multi-Vehicle Discount
  • Good Grades Discount
  • and more

PEMCO also offers a number of different payment options making the purchase of car insurance very convenient. Payment options include monthly payments, low down payment plans and even credit card payment options.

How much is PEMCO car insurance?

As with any insurance company PEMCO calculates the cost of car insurance by evaluating your insurance risk. How much your car insurance is per month will depend on a number of factors with a lot of weight to the following factors:

  • Applicant’s Driving Record
  • How the Vehicle will be used
  • Where you Live
  • Type of Insured Vehicle
  • Your Age and Gender
  • The Type of Coverage

PEMCO Insurance Dis-Advantages

PEMCO does focus on responsible drivers so high risk drivers may have a hard time securing coverage though this insurance company.

If you are a high risk driver you may want to consider companies who offer non-standard (high risk) car insurance policies in Washington State such as Allstate, Farmers, Financial Indemnity, Guaranty National, Nationwide, Progressive and Safeco to name a view.

A good place to start is to visit the Washington State’s Department of Insurance website for further information.

Is PEMCO the best car insurance company in Washington State?

Even with high customer satisfaction reviews and a loyal customer base its impossible to say who the best car insurance company is for everyone.

While there is no doubt that PEMCO certainly has a solid percentage of the car insurance market in Washington State you need to shop around for car insurance.

Most drivers opt for a car insurance comparison search online where they can view quotes from many providers and ultimately chose the best combination of rates and policy coverage.

Use our FREE quote tool to compare auto insurance today!

Related posts:

  1. The General Car Insurance Reviews

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Laura Walker

Licensed Agent for 10 Years

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Licensed Agent for 10 Years

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.