21st Century vs. PEMCO Insurance

Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and PEMCO.

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21st Century vs. PEMCO: What You Need to Know

21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more. 21st Century Insurance was acquired in 2005 by AIG and then sold to Farmers Insurance Group in 2009.

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers who were members of the Seattle Teachers Credit Union, which he founded in 1939, but the company has grown since then. PEMCO is headquartered in Seattle, Washington and employs about 650 employees.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit 21st Century Overview and PEMCO Overview.

21st Century vs. PEMCO: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with 21st Century and PEMCO. On average, 21st Century charges approximately $156.39 per month while PEMCO comes in at around $92.59 per month. For 21st Century, the cheapest state average is California at $156.14 per month and the most expensive is California at $156.14 per month. For PEMCO, the cheapest state average is Washington at $92.59 per month and the most expensive is Washington at $92.59 per month.

21st Century

Average Rate


Average Rate


Average Rate

State 21st Century PEMCO
California $156.14 -
Washington- $92.59

21st Century vs. PEMCO: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that 21st Century and PEMCO typically charge for drivers who have more than 1 vehicle.

Number of Vehicles 21st Century PEMCO
1 Vehicle $150.00 $89.85
2 Vehicles $235.51 $

21st Century vs. PEMCO: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average 21st Century charges $143.06 per month and PEMCO charges $ per month for customers who own their home.

Own/Rent 21st Century PEMCO
Own $143.06 $
Rent $158.66 $92.17

What Are 21st Century and PEMCO Insurance's Ratings?

Learn more about each company below before switching insurance plans. 21st Century and PEMCO have similar ratings. Both have excellent financial Strength and have received an A+ Rating from the BBB. PEMCO has been established for a longer period of time. It was founded in 1949 while 21st Century was established in 1958.

Comparison 21st Century PEMCO
Year Founded 1958 1949
Financial Strength Excellent Excellent
JD Power Rating About Average Among the Best
S&P Rating A+
NAIC Complaint Index 1.47%

21st Century or PEMCO: Insurance Products Offered

21st Century and PEMCO both offer a wide range of insurance products. Both companies offer Car, Home, Boat, Motorcycle and Flood Insurance. 21st Century offers Mobile Mobile, ATV, and Personal Watercraft coverage among others. PEMCO offers Earthquake, Collector Vehicle, Specialty, and Water & Sewer Line Insurance.

Insurance 21st Century PEMCO
Car Insurance
Homeowners Insurance
Renters Insurance
Boat Insurance
Condo Insurance
Motorcycle Insurance
Life Insurance
Mobile Home
Auto Mechanical Breakdown
Antique Auto
ATV Insurance
Personal Watercraft
Collector Vehicle
Water & Sewer Line
Manufactured Home

21st Century or PEMCO: Ways to Save

As far as discounts go, PEMCO offers numerous options that 21st Century does not. 21st Century offers Safe Driver, Multi-Car, Mature Driver, and Paperless Discounts. All of which are nice discounts but are typical in the industry. PEMCO offers Low Mileage, Accident Forgiveness, Homeownership, New Vehicle discounts and more.

21st Century PEMCO
Safe Driver Discount Auto Plus Home Discount
Paperless & Autopay Discount Safety/Security Feature Discount
Multi-Car Discount Distant Student Discount
Mature Driver Discount University of Washington Alumni Discount
Minor Ticket Forgiveness Benefit
Advance Purchase Discount (for new business)
Low Mileage Discount
Paid in Full Discount
Educator Discount
Good Student Discount
Defensive Driver Discount
Accident Forgiveness Benefit
Loyal Auto Customer Discount
Homeownership Discount
New Vehicle Discount
Life Insurance (only for members of the teacher’s credit union)

Pros & Cons of 21st Century & PEMCO


21st Century
  • 21st Century offers affordable rates to good drivers in California and a few other states.
  • 21st Century is a financially strong company.
  • 21st Century offers many lines of insurance and multi-policy discounts.
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers


21st Century
  • 21st Century mainly does business in California.

21st Century or PEMCO Mobile Apps Options

The 21st Century Mobile app is available for iOS and android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.

The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

21st Century Mobile App
iOS      1.9 5 user reviews
Android      3.2 934 user reviews
PEMCO Mobile App
iOS      3.6 5 user reviews
Android      4.3 68 user reviews

21st Century & PEMCO Contact Info

21st Century Contact Info
Address 3 Beaver Valley Road, Wilmington, DE 19803
Phone 1-877-401-81816
Website https://www.21st.com/
Facebook https://www.facebook.com/21stcenturyinsurance/
Twitter https://twitter.com/21stCenturyAuto
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/21st-century-insurance/about/
PEMCO Contact Info
Address 1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone 1 (800) 467-3626
Website https://pemco.com/
Facebook https://www.facebook.com/PEMCOInsurance/
Twitter https://twitter.com/PEMCO
Youtube https://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g
Linkedin https://www.linkedin.com/company/pemco/

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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