Pemco vs. Utica National Insurance

Which insurance carrier is right for you? Compare discounts, pros & cons, and quotes from Pemco and Utica National.

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Pemco vs. Utica National: 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.

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New York State’s most successful and respectful mutual insurance organizations. Utica adopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas, and Georgia.

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 Utica National Ins Group Overview.

PEMCO vs. Utica National Ins Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with PEMCO and Utica National Ins Group. On average, PEMCO charges approximately $99.56 per month while Utica National Ins Group comes in at around $92.29 per month. For PEMCO, the cheapest state average is Washington at $99.56 per month and the most expensive is Washington at $99.56 per month. For Utica National Ins Group, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

PEMCO

Average Rate

$99.56
Utica National Ins Group

Average Rate

$92.29
National

Average Rate

$133.56
State PEMCO Utica National Ins Group
Washington $99.56 -

PEMCO vs. Utica National Ins Group: Rates by Number of Vehicle

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

Number of Vehicles PEMCO Utica National Ins Group
1 Vehicle $100.13 $

PEMCO vs. Utica National Ins Group: Rates by Homeownership

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Rates Are Not Currently Available

What is Pemco and Utica National Insurance Rating?

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

ComparisonPemcoUtica National
Year Founded19491914
Market Share3.8%
A.M. Best RatingB++A-
BBB RatingA+
Financial StrengthExcellentExcellent
JD PowerAmong the Best

Pemco or Utica National: Insurance Products Offered

What coverage is available through Pemco and Utica National? Both insurance companies offer Auto, Home, Motorcycle, Renters, RV, and Umbrella insurance. Additional products from Pemco insurance also include Condo 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 Utica National Ins Group Insurance page.

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

Pemco or Utica National: Ways To Save

Utica National offers a wide range of discounts to its policyholders, including Annual Mileage, Anti-lock brakes, and Anti-Theft Device discounts. In contrast, Pemco also offers a few discounts that Utica National doesn’t, including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Utica National and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

PemcoUtica National
Accident Forgiveness BenefitAirbags & motorized seat belts
Advance Purchase Discount (for new business)Annual Mileage Discount
Auto Plus Home DiscountAnti-lock brakes
Defensive Driver DiscountAnti-Theft Device
Distant Student DiscountAway at School Discount
Educator DiscountBundled Discount
Good Student DiscountCompany Car Discount
Homeownership DiscountElectronic Funds Transfer
Life Insurance (only for members of the teacher’s credit union)Electronic stability control
Low Mileage DiscountGo Green Vehicle Discount
Loyal Auto Customer DiscountGood Student Discount
Minor Ticket Forgiveness BenefitMulti-Vehicle Discount
New Vehicle DiscountPay in Full Discount
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of Pemco & Utica National

Pros

Pemco
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.

Cons

Pemco

Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. 

Pemco or Utica National 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.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
Utica National Mobile App
Utica National does not currently have a mobile app.

Pemco & Utica National Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Websitehttps://pemco.com/
Facebookhttps://www.facebook.com/PEMCOInsurance/
Youtubehttps://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g
Twitterhttps://twitter.com/PEMCO
Linkedinhttps://www.linkedin.com/company/pemco/
Utica National Contact Info
Address180 Genesee St, New Hartford, NY 13413
Phone1-800-589-8422
Websitehttps://www.uticanational.com/
Facebookhttps://www.facebook.com/uticanational/
Linkedinhttps://www.linkedin.com/company/uticanational/
Twitterhttps://twitter.com/uticanational

Methodology
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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