Factors that determine your auto insurance rates

Driving record – Keep your driving record clear and benefit from our Safe Driver Discount.

Vehicle use – Statistically, the more you use your car, the more likely it is you'll get in an accident. Therefore, the higher your insurance rates.

Where you live – Living in a densely populated area increases your insurance rates.

Vehicle type – Luxury vehicles, sports cars, and vehicles with high repair costs have higher rates.

Age and gender – People in age groups with the highest accident frequency are charged higher rates.

Discounts – You can reduce your rates substantially by qualifying for PEMCO's money-saving discounts.

Coverage – Tailor your policy by choosing suitable levels of mandatory coverage and then adding optional coverage that best meets your needs. For more information, see our coverage descriptions.