Pemco vs. Arbella Insurance

Which insurance carrier is right for you? Compare plans, cost, and quotes from Pemco and Arbella.

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Pemco vs. Arbella: What You Need to Know

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 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

Founded in 1988 in Quincy, Massachusetts, Arbella took over Kemper Group’s Massachusetts auto insurance business, which was then-troubled. Arbella’s founders worked to strengthen their partnership with independent agents. Arbella is a mutual company owned by its policyholders and prides itself on excellent customer service. In 2004, Arbella formed the Arbella Insurance Foundation to support not-for-profit organizations that have a positive impact on the communities Arbella serves, donating more than $13 million to 960 different charities. Arbella also founded the Arbella Insurance Group Charitable Foundation in 2004. Arbella has consistently ranked as one of the best places to work in New England. Arbella Insurance Group has more than $600M in revenue with approximately $1B in assets.

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

PEMCO vs. Arbella Insurance Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with PEMCO and Arbella Insurance Group. On average, PEMCO charges approximately $89.67 per month while Arbella Insurance Group comes in at around $210.13 per month. For PEMCO, the cheapest state average is Washington at $89.67 per month and the most expensive is Washington at $89.67 per month. For Arbella Insurance Group, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.


Average Rate

Arbella Insurance Group

Average Rate


Average Rate

State PEMCO Arbella Insurance Group
Washington $89.67 -

PEMCO vs. Arbella Insurance Group: Rates by Number of Vehicle


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

Number of Vehicles PEMCO Arbella Insurance Group
1 Vehicle $86.85 $

PEMCO vs. Arbella Insurance Group: Rates by Homeownership

Rates Are Not Currently Available

What is Pemco and Arbella Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Pemco and Arbella ranked among the industry ratings.

Year Founded19491988
Market Share3.8%
A.M. Best RatingB++A-
BBB RatingA+
Financial StrengthExcellentExcellent
JD PowerAmong the Best
JD Power RankingBelow Average
NAIC Complaint Ratio0.11

Pemco or Arbella: Insurance Products Offered

What coverage is available through Pemco and Arbella? Both insurance companies offer Auto, Home, Motorcycle, Renters, and Umbrella insurance. Additional products from Pemco insurance also includes Condo and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit PEMCO and Arbella Insurance Group Insurance page.

Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Pemco or Arbella: Ways To Save

Pemco offers a wide range of discounts to its policyholders, including Advance Purchase (for new business), Auto Plus Home, and Defensive Driver discounts. In contrast, Arbella also offers a few discounts that Pemco doesn’t, including Student Away at College, Residence Safety Package, and Rental Property Account Credit discounts. Start taking advantage of discounts offered by insurance providers like Arbella and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Accident Forgiveness BenefitAccount Credit Discount
Advance Purchase Discount (for new business)Advanced Driver Training Discount
Auto Plus Home DiscountAnnual Mileage Discount
Defensive Driver DiscountAnti-theft Devices Discount
Distant Student DiscountAuto Loyalty Discount
Educator DiscountAuto Rewards Discount
Good Student DiscountDeployment/Active Military Duty Discount
Homeownership DiscountDriver Simulator Training Discount
Life Insurance (only for members of the teacher’s credit union)Energy-Saving Hybrids or Electrics Discount
Low Mileage DiscountExperienced Motorcycle Operator Discount
Loyal Auto Customer DiscountGood Student Discount
Minor Ticket Forgiveness BenefitMAHA Workshops Savings Discount
New Vehicle DiscountMass Save Discount
Paid in Full DiscountMotorcycle Training Discount
Safety/Security Feature DiscountMulti-car Family Discount
University of Washington Alumni DiscountMulti-car Individual/Spouse Discount
Multi-vehicle Discount
New Business Discount
New Home Credit
Premium in Full Discount
Protective Devices Discount
Renew and Save Discount
Rental Property Account Credit
Residence Safety Package
Student Away at College Discount

Pros & Cons of Pemco & Arbella


  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
  • Arbella has an excellent record of very few complaints from consumers.



  • Arbella only offers insurance to Massachusetts and Connecticut residents.

Pemco or Arbella Mobile Apps Options

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.

Wheel Focused™ on iTunes and Google Play is available to download, regardless of what carrier you may have. The app is designed to improve driving behaviors through real-time feedback.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
Arbella Mobile App
Arbella does not currently have a mobile app for insurance products.

Pemco & Arbella Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Arbella Contact Info
Address1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103

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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