Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Nov 9, 2020

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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 one of Washington State’s largest insurance companies and now a household name for Washington residents.

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 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.

Unlike some car insurance companies who grow and grow sometimes leaving customer service behind, PEMCO has been truly dedicated solely on the Washington market for over 60 years.

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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PEMCO Car Insurance Review

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 car insurance coverage 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 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 Discounts  Very 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.

Only after comparing multiple quotes can you really gauge whether or not you are being offered fair premiums.

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