Which insurance carrier is right for you? Compare price, products, and quotes from Pemco and Hartford.
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.
In 1810, Nathaniel Terry was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 1861, the Hartford provided protection for president-elect Abraham Lincoln’s Illinois home after he arranged to move to the White House. In 1871, a fire ravaged more than three square miles of Chicago, and Hartford took care of the casualties. In 1906, 500 city blocks in San Francisco were destroyed by an earthquake and fires. The Hartford paid over $11 million in damages. In 1913, The Hartford formed the Accident and Indemnity Company, providing improved automobile and property coverage for fires, accidents, liability and more. In 1920, the company covered Baby Ruth with a policy. Years later, they even protected President Dwight Eisenhower’s 190-acre farm, where he hosted world leaders. In 1931, the Hartford insured the Hoover Dam, in 1937 the Golden Gate Bridge. In 1959, they insured the St. Lawrence Seaway. In 1947 The Hartford established the Junior Fire Marshal program, which has been teaching fire prevention and safety to millions of children. In 1983, a dedicated small business service center was formed to meet the new demands for businesses. In 1984, The Hartford became the exclusive provider of home and auto insurance for AARP members and the Hartford Center for Mature Market Excellence was established to empower mature adults. In 2001 the company paid over $850 million in claims after the 9/11 terror attacks. Since 1994, The Hartford has been a sponsor of the U.S. Paralympics. Since 2003, they’ve participated in the Ability Equipped program, which provides access to adaptive sports and equipment for people with disabilities across the country. The year 2010 was The Hartford’s 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.
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 Hartford Overview.
Below is a list of the average rates that drivers typically pay with PEMCO and Hartford. On average, PEMCO charges approximately $109.43 per month while Hartford comes in at around $214.31 per month. For PEMCO, the cheapest state average is Washington at $109.43 per month and the most expensive is Washington at $109.43 per month. For Hartford, the cheapest state average is California at $214.20 per month and the most expensive is California at $214.20 per month.
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that PEMCO and Hartford typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||PEMCO||Hartford|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average PEMCO charges $131.11 per month and Hartford charges $218.59 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how Pemco and Hartford ranked among the industry ratings.
|A.M. Best Rating||B++||A|
|JD Power||Among the Best|
|NAIC Complaint Ratio||1.65|
What coverage is available through Pemco and Hartford? Both insurance companies offer Auto, Condo, Home, Renters, RV, and Umbrella insurance. Additional products from Pemco insurance also includes Commercial and Motorcycle 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 Hartford Insurance page.
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, Hartford also offers a few discounts that Pemco doesn’t, including Workers’ Compensation Insurance, Umbrella Insurance, and Surety & Fidelity Bonds discounts. Start taking advantage of discounts offered by insurance providers like Hartford and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Accident Forgiveness Benefit||Auto Insurance|
|Advance Purchase Discount (for new business)||Business Insurance|
|Auto Plus Home Discount||Business Owners Policy|
|Defensive Driver Discount||Classic Car Insurance|
|Distant Student Discount||Commercial Auto Insurance|
|Educator Discount||Commercial Flood Insurance|
|Good Student Discount||Commercial Umbrella Insurance|
|Homeownership Discount||Condo Insurance|
|Life Insurance (only for members of the teacher’s credit union)||Data Breach Insurance|
|Low Mileage Discount||Employment Practices Liability Insurance|
|Loyal Auto Customer Discount||Flood Insurance|
|Minor Ticket Forgiveness Benefit||General Liability Insurance|
|New Vehicle Discount||Home Insurance|
|Paid in Full Discount||Home-based Business Insurance|
|Safety/Security Feature Discount||Management Liability Insurance|
|University of Washington Alumni Discount||Marine Insurance|
|Professional Liability Insurance|
|Surety & Fidelity Bonds|
|Workers’ Compensation Insurance|
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.
The Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.
|Pemco Mobile App|
|iOS||3.6||5 user reviews|
|Android||4.3||68 user reviews|
|Hartford Mobile App|
|iOS||3.9||265 user reviews|
|Android||3.7||513 user reviews|
|Pemco Contact Info|
|Address||1300 Dexter Avenue N. Seattle, WA 98109-3571|
|Phone||1 (800) 467-3626|
|Hartford Contact Info|
|Address||690 Asylum Avenue, Hartford, CT, 06155|
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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