PEMCO Insurance

This PEMCO Insurance review will cover PEMCO Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The PEMCO Insurance A.M. Best rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Nov 19, 2011

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Company Details
Address: 325 Eastlake Avenue East
City: Seattle
State: WA
ZIP Code: 98109
Phone Number: (800) 467-3626
Fax: (206) 628-5971
Website: pemco.com
AM Best Rating: A-

Reviews
for PEMCO Mutual Insurance Company

4.17 (100 reviews)
1
September 6, 2021

meewhoo

Horrible! They make up horrific stories to avoid payment.

I'm appalled by the conduct of the multiple Pemco employees I've been dealing with. It's been 1 year 9 months since I was hit by an uninsured motorist while stopped at a stop sign. The abandoned my car at the repair shop where it was taken apart. The shop was going to put a lein on it so PEMCO (after I contacted them) towed it and abandoned it in my driveway. This was after they insisted it was intact and I explained that if it wasn't my HOA woul...
I'm appalled by the conduct of the multiple Pemco employees I've been dealing with. It's been 1 year 9 months since I was hit by an uninsured motorist while stopped at a stop sign. The abandoned my car at the repair shop where it was taken apart. The shop was going to put a lein on it so PEMCO (after I contacted them) towed it and abandoned it in my driveway. This was after they insisted it was intact and I explained that if it wasn't my HOA would fine me daily. Because my car is rare and there are only 2 compareable vehicles nationwide, they are fighting me tooth and nail over the cost of the claim. The comp cars are for sale for 15k and 14k, their offer to me is about 4k with no explination. They're not only bad insurance agents, they're bad people. Throughout all of this, they invented a story that involved the other driver losing a child/pregnancy in the accident. For that reason they said they weren't going to pay out because in their minds it changed the fault of the accident to have been my own. When I explained that although that's unfortunate, it doesn't change the covereage to my car, they would only repeat that "she lost a child!" over and over with an occational mention that I will be liable and will have to go to court over it at which point I will need to pay damages to her out of pocket. They hung up on me countless times when I disagreed and asked them to explain their reasoning, provide proof for what they were saying, or show where it describes this exclusion in my policy. At some point during a several month period without contact, I learned that they "closed" the claim. I had to explain the criminal nature of their actions to a supervisor before they agreed to continue with the claim. Their lies have included inventing that the other driver had lost a pregnancy in the accident, that my car was already taken apart/totaled before I DROVE IT to the shop, denying statements made to me which I have recorded, and insisting they never got emails I've sent AFTER they've replied to them!!! For anyone considering becoming a customer - BEWARE! The rates are super low at first to draw you in, but they raise them constantly and for no reason at all! You'll only get a year at best for the price they quote you. But none of that matters when they refuse to pay out on a claim. I've only had to deal with them covering the cost of my own car, I can't imagine how much worse it could get paying out-of-pocket for another persons claim if you were actually at fault, but you'll be doing just that because there's no way Pemco is going to pay out!!
1
November 16, 2020

Consumerism

Dishonest company

Dishonest company. They will raise yoir rates with little notifications and for no reason and deduct throguh auto pay. Sneaky and underhanded.
5
October 13, 2020

DeepakT

Great Insurance that fits into your budget

Pemco is great company. It provide insurance within our budget and also gives discounts every year. It also has great customer support
5
January 16, 2020

Happyvalley

I recommend PEMCO

I have have a policy through PEMCO for the last 7 years and always have great customer service. I recommend them for Auto and Homeowners Insurance.
5
October 10, 2019

KFaria

Fantastic!

Great company to work with. I was in a small accident last month and it was so easy to deal with. I would highly recommend them.
5
September 17, 2019

Aaiyahbaby

great

I love PEMCO. I love that I can call and immediately talk to a real, live person who can pronounce my name. I love that I can talk to a real, live person right after that who answers my questions about car and home owner's insurance and treats me like an adult worthy of respect. I have been with them for 7 years, and while I haven't had to file any claims, their customer service for my homeowners insurance has been awesome. So disclaimer: t...
I love PEMCO. I love that I can call and immediately talk to a real, live person who can pronounce my name. I love that I can talk to a real, live person right after that who answers my questions about car and home owner's insurance and treats me like an adult worthy of respect. I have been with them for 7 years, and while I haven't had to file any claims, their customer service for my homeowners insurance has been awesome. So disclaimer: this high rating is just for their customer service, which rocks my socks.
5
March 25, 2019

Ckreis

Hit and run

I had a claim of a hit and run on my vehicle. I did follow the guy home and he ended up being a neighbor that was driving under the influence and with a suspended license. I called PEMCO and they told me to go right into any company I chose and get it fixed. I had to pay $100 for the claim. It was fixed and paid for in one week. I called the police and he was arrested. PEMCO followed up on my claim and 3 months later they refunded my $100. They ...
I had a claim of a hit and run on my vehicle. I did follow the guy home and he ended up being a neighbor that was driving under the influence and with a suspended license. I called PEMCO and they told me to go right into any company I chose and get it fixed. I had to pay $100 for the claim. It was fixed and paid for in one week. I called the police and he was arrested. PEMCO followed up on my claim and 3 months later they refunded my $100. They have great customer service and low rates. My rates did not go up.
2
November 25, 2018

Washstatewoman

Prices increasing, support decreasing

PEMCO has long been an excellent company but that has been changing recently. I do appreciate customer service that is available by phone or email but I dislike that one person says one thing while another person says another thing. I was signed up for auto pay and made a payment by credit card several weeks before the auto pay occurred. I was dinged for doing that, with a $35 charge. The PEMCO support person did not tell me I would be dinged...
PEMCO has long been an excellent company but that has been changing recently. I do appreciate customer service that is available by phone or email but I dislike that one person says one thing while another person says another thing. I was signed up for auto pay and made a payment by credit card several weeks before the auto pay occurred. I was dinged for doing that, with a $35 charge. The PEMCO support person did not tell me I would be dinged. She accepted payment happily. You can also make the payment via their site without a "fail." I complained and asked for a return. I was told "no." Their premiums have continued to go up year after year despite cars aging and driving less and less. I was told it was because of the fires and the the legalization of cannabis in the state of Washington. I'm looking elsewhere.
5
November 20, 2018

vic1234

Great company.

Pemco has the best customer service. My suv was parked in my driveway and it was hit in the middle of the night. It was a hit and run. It was totaled. In two weeks had my check and was completely satisfied with the amount.
4
October 16, 2018

DebbieRaffle

I've looked and this is still the best deal

Excellent customer service and good discounts. I have shopped around nearly every year and I find that my Auto and Home Owner's insurance are the best rates/coverage around. I have every discount applied, good driver, UW alum, multiple policies and this still gives me the best rate. My broker has taken the time to review this with me each year and we were even able to reduce my AUTO policy now that I take the bus to and from work and put ver...
Excellent customer service and good discounts. I have shopped around nearly every year and I find that my Auto and Home Owner's insurance are the best rates/coverage around. I have every discount applied, good driver, UW alum, multiple policies and this still gives me the best rate. My broker has taken the time to review this with me each year and we were even able to reduce my AUTO policy now that I take the bus to and from work and put very few miles on my car. I have been with PEMCO over 20 years and I highly recommend PEMCO
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