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PEMCO: Overview
PEMCO is based in Seattle Washington and has been in operation since 1949.
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About PEMCO
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 âcreate a financial institution with a heart.â 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 1949, Handy founded Public Employees Mutual Insurance Company (PEMIC). In 1950, PEMIC became PEMCO, the Public Employees Mutual Casualty Company. It then expanded to offer insurance in Washington and Oregon.
PEMCO is headquartered in Seattle, Washington and employs about 650 employees. Stan W. McNaughton is president and CEO. His father, Stanley O. McNaughton, served as PEMCOâs president from 1970 to 1998.
PEMCO Facts & Ratings
| Year Founded | 1949 |
| Market Share | 3.8% |
| Financial Strength | Excellent |
| BBB | A+ |
| JD Power | Among the Best |
PEMCO Mobile App Rating
| iOS | 3.6 | 5 user reviews |
| Android | 4.3 | 68 user reviews |
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.
Pros & Cons of PEMCO
- PEMCO was ranked amongst the best by JD Power.
- Positive reviews from customers
Common Questions about PEMCO
What info do I need for the PEMCO Insurance quote?
For a car insurance quote from PEMCO, youâll need your carâs VIN, basic information on yourself and information about the people living in your home.
How to file a claim with PEMCO Insurance:
You can file a claim with the Go Pemco mobile app or by calling your agent or call (800)-467-3626.
Is PEMCO car insurance good?
PEMCO received the highest rating from JD Power. PEMCO is a financially strong insurance company with positive reviews on BBB.
Does PEMCO Insurance have accident forgiveness?
If youâve been insured with PEMCO for five or more years, your rate wonât increase after the first minor accident.
How much will PEMCO cover for car equipment?
With custom parts and equipment coverage PEMCO pays up to $500 for after-market parts and equipment (Washington residents only).
Does PEMCO Insurance cover rental cars?
Rental reimbursement coverage will reimburse you for rental car expenses while your car is being repaired due to an accident. Rental car coverage pays for losses involving a rental vehicle if you have collision or comprehensive coverage (Washington Residents only).
Does PEMCO auto insurance offer SR22?
Yes, PEMCO files SR22 forms for high-risk drivers.
Does PEMCO cover windshield replacement?
If you have comprehensive coverage, you can pick an auto glass shop and have the shop work directly with PEMCO to cover costs. Glass-chip repair doesnât require a deductible payment.
Will PEMCO cover rideshare drivers like Uber or Lyft?
Yes PEMCO offers rideshare drivers rideshare insurance.
How to qualify for PEMCO home insurance discounts:
Pemco offers the following discount: Claims-free discount, home plus auto discount, educator discount, protective device discount, sprinkler discount, newer home discount and fire-resistive construction discount.
What is PEMCO home insurance replacement cost coverage?
If the contents of your home are stolen or damaged, PEMCO will pay what it costs to replace those items at todayâs prices without depreciation.
Does PEMCO cover manufactured homes?
Yes, PEMCO offers manufactured home insurance.
What coverage does PEMCO offer for renters?
Renters insurance covers personal property coverage, replacement cost coverage, loss of use coverage, personal liability coverage and medical payments to others coverage.
How to save with PEMCO renters insurance?
Renters insurance discounts include a claims-free discount, home plus auto discount, educator discount, protection device discount, sprinkler discount, newer home discount, and fire-resistive construction discount
Does PEMCO sell life insurance?
PEMCO only sells life insurance to members of the teacherâs credit union.
PEMCO Insurance Products
| Auto Insurance | Home Insurance |
| Renters Insurance | Condo Insurance |
| Umbrella Insurance | Specialty Insurance |
| Boat Insurance | Motorcycle and Scooter Insurance |
| Earthquake Insurance | Flood Insurance |
| Collector Vehicle Insurance | Manufactured Home Insurance |
| Water & Sewer Line Insurance |
PEMCO Auto Insurance Coverage
Bodily Injury Liability
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
Property Damage Liability
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
Comprehensive Coverage
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
Collision Coverage
his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
Uninsured/Underinsured Motorists
This protection pays for medical expenses if youâre injured in a vehicular accident caused by someone who doesnât carry liability insurance or has low limits.
Rental Reimbursement Coverage.
This coverage will reimburse you for rental car expenses while your car is being repaired due to an accident.
Replacing or Recoding Key Coverage
Pays up to $500 for replacing or recoding electronic lock and key parts (only for Washington residents).
Custom Parts and Equipment Coverage
Pays up to $500 for after-market parts and equipment (Washington residents only).
Towing and Labor Coverage
This coverage will take care of roadside breakdowns, towing of a car to a shop or on-the-spot repairs.
Auto Loan Coverage
Pays off your car loan if the car is totaled. The amount left on your loan must be more than what the car is worth.
Camper, Canopy and Tonneau Cover Coverage
Pays up to $500, with the option to buy more coverage (Washington residents only).
Personal Injury Protection (PIP) Coverage
This coverage pays for medical expenses, income loss and more if the insured and passengers hurt
Accidental Death Coverage
If any covered person is killed, a $10,000 death benefit goes to the spouse or estate.
Accident Forgiveness
If youâve been insured with PEMCO for five or more years, your rate wonât increase after the first minor accident.
Pet Coverage
Pays up to $1,000 if your dog or cat is injured or killed in a covered collision loss.
Rideshare Coverage
This coverage protects you during the period of time when your rideshare insurance and your personal car insurance do not.
Rental Car Coverage
This coverage pays for losses involving a rental vehicle, if you have collision or comprehensive coverage (Washington Residents only).
Discounts
| Auto Plus Home Discount | Educator Discount |
| Safety/Security Feature Discount | Good Student Discount |
| Distant Student Discount | Defensive Driver Discount |
| University of Washington Alumni Discount | Accident Forgiveness Benefit |
| Minor Ticket Forgiveness Benefit | Loyal Auto Customer Discount |
| Advance Purchase Discount (for new business) | Homeownership Discount |
| Low Mileage Discount | New Vehicle Discount |
| Paid in Full Discount | Life Insurance (only for members of the teacherâs credit union) |
PEMCO Auto Insurance Rates by State
PEMCO Auto Insurance Rates by Vehicle
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PEMCO Auto Insurance Rates by Homeownership
| Own/Rent | Avg Monthly Rate |
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PEMCO Contact Info
| Address | 1300 Dexter Avenue N. Seattle, WA 98109-3571 |
| Phone | 1 (800) 467-3626 |
| Website | https://pemco.com/ |
| https://www.facebook.com/PEMCOInsurance/ | |
| Youtube | https://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g |
| https://twitter.com/PEMCO | |
| https://www.linkedin.com/company/pemco/ |
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.
How Does Pemco Compare to Other Car Insurance Companies?
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| Pemco vs Utica National |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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