PEMCO Insurance of Seattle: Review & Complaints

PEMCO Insurance of Seattle offers auto, home, and specialty insurance to residents of Oregon and Washington. In business since 1949, PEMCO is consistently rated by industry reviewers as a trustworthy and reliable company.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • PEMCO provides car, home, and umbrella insurance to residents of Oregon and Washington
  • PEMCO is a regional mutual insurance company offering affordable car insurance rates and unique discounts
  • PEMCO has been in business for more than 70 years

Since beginning operations in 1949, Public Employees Mutual Insurance Company (PEMCO) has been providing auto, home, umbrella, and boat insurance to residents of Washington and Oregon. Based in Seattle, PEMCO Insurance is a mutual group insurance company founded and controlled by policyholders.

In addition to homeowners, renters, boat, umbrella, and specialty insurance, PEMCO Insurance sells a variety of car insurance packages. Let’s take a closer look at exactly what PEMCO Insurance has to offer.


PEMCO Insurance of Seattle

Despite its comparatively small size as a regional company, PEMCO offers a wide variety of car insurance packages to suit your needs. Besides traditional car insurance plans like liability, collision, and comprehensive coverage, PEMCO car insurance offers substantial optional protection plans. This feature is unusual for a local small insurance provider. Let’s consider the add-ons available with PEMCO car insurance.

Through its Timesaver Repairs Program, you can take advantage of PEMCO’s relationships with local repair shops. After an accident, contact PEMCO to get a list of participating mechanics you can choose from. You can then take your car in for repairs without the hassle of dealing with a claims adjuster. You will only pay your deductible, as PEMCO will pay the shop directly. If you feel none of the available garages are up to par, then you are free to find your own repair shop, pay for the repairs, and file for reimbursement from PEMCO.

PEMCO offers optional roadside assistance packages, coverage for custom parts and upgrades, rental car reimbursement, and key replacement. PEMCO will cover your camper or canopy if you live in Washington state. With optional pet protection, PEMCO car insurance will pay your veterinarian bills should your pet be injured in a collision.

With PEMCO car insurance, you have the ability to purchase auto loan coverage, also known as GAP insurance. This optional auto insurance coverage kicks in if your vehicle is totaled. GAP insurance will cover any difference between what you owe on your car loan and the cash value of your car.

PEMCO car insurance also offers accidental death coverage of up to $10,000 should a death result from an accident in an insured vehicle.

If you work for a rideshare company, you can bolster your employer’s insurance policy with PEMCO’s rideshare insurance. Whether you are waiting for a fare, heading to pick up a passenger, or driving someone to their destination, you’ll be covered.

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PEMCO Insurance of Seattle Reviews & Complaints

PEMCO Insurance of Seattle is a regional small business. This means PEMCO must rely on quality customer service as a key factor in its success. As a result, PEMCO is often considered one of the best choices for auto insurance for Washington and Oregon residents. 

As recently as November of 2021, PEMCO had a 0.14 ratio rating with the National Association of Insurance Commissioners (NAIC). This is an industry-leading figure and represents PEMCO’s ability to manage customer satisfaction at a superior level.

According to J.D. Power’s rankings, PEMCO Insurance scores high in customer relations. Receiving a five-star service rating in J.D. Power’s 2020 evaluation, PEMCO once again paces the nation’s leading insurance providers. PEMCO has also repeatedly won J.D. Power’s award for “Highest Customer Satisfaction among Auto Insurers in the Northwest Region.”

PEMCO Insurance maintains an A+ rating with the Better Business Bureau and consistently ranks higher than its competition on public review sites like Yelp and Google.

A.M. Best, which evaluates a company’s financial strength, gives PEMCO Insurance of Seattle a B++ rating, with a stable outlook. As a regional insurance provider, PEMCO does not possess the financial backing of a nationwide or international corporation. Still, A.M. Best considers PEMCO Insurance well enough established to meet its financial obligations and handle emergencies well.

Now we will look closer at what it’s like to be a PEMCO customer.

Contact PEMCO Insurance

Whether you are looking for a new car insurance provider or are already a customer, you will be well advised to know the PEMCO Insurance phone number. Call a PEMCO customer service representative at 1‑800‑467‑3626 to get your questions answered. 

While agents are available over the phone, perhaps PEMCO Insurance is best accessed online. The user-friendly website is full of information about all the products and services PEMCO Insurance offers, and policyholders can use it to accomplish nearly any necessary task. Here you will find contact details for email, fax, and traditional mail, and the physical address of the company. 

PEMCO’s website offers instant quotes, which is hard to find in a regional company. If you need to make a payment on your PEMCO car insurance policy, you can use your PEMCO login information to pay online at your convenience.

If you’re on the go, you can access all the PEMCO Insurance website’s functionality via the Go PEMCO mobile app, available for download. Your policy is also available as downloadable proof of insurance on the app.

Whatever your communication preferences, PEMCO has a point of contact you can use. At this point, you may be asking just how much a PEMCO car insurance policy costs. We’ve done the research.

PEMCO Insurance Quote

As mentioned, you can get an instant quote from the PEMCO website. Once you do, you may find that PEMCO is not the cheapest around. Without the resources of the larger corporations, PEMCO relies on quality products and excellent customer service. These features can be expensive, but PEMCO strives to remain competitive in the local market.

To make this goal a reality, PEMCO Insurance of Seattle offers a slew of helpful discounts. These include a bundle discount for customers purchasing auto and home insurance from PEMCO. 

University of Washington alumni, educators at all school levels, and public or private school employees can save with PEMCO. Students with a GPA over 3.0 or who travel more than 75 miles to school are also eligible for discounts.

Add safety features like airbags or car alarms to your vehicle, and see how much you can save on your PEMCO car insurance policy. If you’re over 55, you can take a certified defensive driving course to reduce your car insurance rates.

Accident and minor ticket forgiveness benefits are available with PEMCO car insurance. If you go accident-free for five years, you won’t receive a rate increase after a minor accident. If you go five years without a traffic ticket, you can avoid a rate hike on your next minor ticket.

Once you’ve been a PEMCO car insurance customer for one year, you become eligible for the loyal auto customer discount. Discounts are also in play to reward homeownership, low mileage, or driving a car less than five years old.

If you pay your bill in full in one or two payments, PEMCO will reward car insurance customers with substantial savings. They will do the same for customers who receive a quote at least one day prior to obtaining a policy.

If you are moving off of someone else’s policy, PEMCO Insurance will offer discounted rates when you establish your own new policy.

All of these available discounts help make PEMCO car insurance affordable, despite the regional company’s initially higher rates. This means you can get the service and reputation of PEMCO car insurance without breaking the bank.

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A Final Word on PEMCO Insurance of Seattle

If you don’t mind a bit of a higher initial rate and can qualify for any of several discounts, your car insurance budget can be well applied to a policy with PEMCO Insurance. If you live in Oregon or Washington, consider the quality customer service and premium options available with PEMCO Insurance. You might find the personal touch and local knowledge to be just what you need.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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