Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • PEMCO is a very popular car insurance company in the State of Washington
  • PEMCO offers a variety of discounts
  • Being a safe driver can save you money on your monthly premiums

PEMCO is a very popular car insurance company in the State of Washington offering several types of insurance including auto, home, life and boat insurance needs.

Founded in 1949 as the Public Employees Mutual Insurance Company by Robert J. Handy with only $400,000, PEMCO is not only one of Washington State’s largest insurance companies, but it is now considered a household name for Washington residents. Clearly the company is doing something correctly when it comes to serving their customers.

Although the footprint of PEMCO’s insurance products is rather small compared to many of the well-known insurance companies such as Allstate or Geico the company’s reputation for customer service or consumer loyalty is hard to match.

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Who is Pemco?

Part of the success PEMCO insurance company has achieved over the years is simply staying true to the vision Robert J. Handy originally created the company with – rather simple really, focus on providing low-cost insurance coverage to Washington residents. Consistent goals and values in company practice has helped keep PEMCO on top of their game as insurance providers in Washington.

Unlike some other auto insurance companies who grow so rapidly that sometimes they end up leaving customer service behind, PEMCO has been truly dedicated solely on the Washington market for over 60 years. In some cases, being a regional insurance provider instead of one that operates nationally can help keep the customer the focus of the business and make them feel truly valued.

If you are a Washington resident, the PEMCO car insurance company is one company you should consider as a provider of auto insurance coverage.

As always, however, remember to start car insurance comparison online and always compare 3-5 quotes before making a final decision.

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What is the PEMCO Car Insurance review results?

One of the greatest assets PEMCO auto insurance has is the company’s intimate knowledge of the Washington car insurance market and their agents are well known for going that extra mile to help clients find auto policies specifically tailored to their needs.

In comparison to larger car insurance companies, PEMCO also offers many of the same car insurance discounts as any national provider would.

Some of PEMCO car insurance discounts include:

  • Auto Plus Discount  This is a multi-policy discount. PEMCO offers which carry up to a 9 percent discount on car insurance premiums simply by insuring both your car and home with PEMCO
  • New Customer Discount  If you are a new customer of PEMCO Insurance, the company may award you with a discount as long as you have a three-year good driving record
  • Safe Driver Discount  For both new customers and existing customers, annual discounts are applied for every year you avoid an accident (up to 10 years)
  • Alternative Commuting Discount  Similar to a low mileage use discounts PEMCO offers a car insurance discount up to 5 percent should you only use your car as transportation to/from work 2 days or less per week
  • Safety and Security DiscountsVery similar to most car insurance companies – PEMCO discounts are available should your vehicle have factory-installed safety and security devices such as ABS Brakes, Air Bags and Theft Deterrent Systems
  • Multi-Vehicle Discounts – If you insure 2 or more cars on the same auto insurance policy PEMCO may offer up to a 20 percent discount
  • Good Student Discount – Young or teenage drivers with a 3.0 GPA or higher may qualify for a discount depending on a satisfactory driving record
  • Away at School Discount  This is a very attractive discount for parents who have children attending schools further than 75 miles from home
  • Defensive Driver Discount  For senior drivers (55+) PEMCI offers discounts if you complete a certified defensive driving course.

Compare PEMCO Car Insurance Rates

Every consumer should always compare car insurance rates regardless of how one company or another is viewed by others. When reading customer reviews, bear in mind that more people are inclined to speak out after a bad experience than an adequate or good experience with a company. In fact, customer complaints are often the reason behind leaving a review. You should always do your own research and get insurance quotes from several companies that interest you in order to compare.

Only after comparing multiple quotes can you really gauge whether or not you are being offered a fair insurance premium. Be sure that the quotes are for equal coverage since having only liability coverage is always going to be cheaper than when you add collision coverage or comprehensive coverage to your policy.

Start your car insurance comparison search online today. Get FREE car insurance quotes by simply entering your zip code below.


  1. https://pemco.com/
  2. https://en.wikipedia.org/wiki/Washington_(state)
  3. https://www.safeco.com/products/auto-insurance/discounts/low-mileage