Car insurance broken down…...

Tailor the perfect policy

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Rates
Explained!
​Never had an accident or a ticket?
Had just a few mishaps?
Your driving record matters when it comes to what you pay for auto insurance.​
Auto insurance rates for the Northwest
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​​Are you on the road all the time?
​​Do you prefer to spend time pedaling? Walking?
How frequently you use your car for commuting helps determine how much you're charged for insurance.
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​​Population density makes a difference in your rate. Do you live in Belltown or the Pearl? Pay a little more. In Yakima or Bend? Pay a little less.​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​Drive a brand new car?
Treasure your 15-year-old car?
How much it costs to repair or replace your car affects how much your insurance will cost.​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​Are you young and fearless?
A cautious adult?
Older, skilled, and confident?
Age — and experience — warrant different rates. If your age group collectively has more accidents, you'll pay higher rates. ​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​Safe driver? Safe vehicle? Alternative commuter? Good student? Educator? More than one car? Have both your home and auto insurance with us? Get all the discounts you qualify for!​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​How much risk can you afford? Want all the coverage you can get?
What you pay depends on your choice of deductibles and the peace of mind you add beyond what the state requires.
Auto insurance rates for the Northwest​​​
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Discounts
Cha-ching!
​​​​​​​​​​​​​​​​​​​​Insure your home with us, too, and save up to 6% on your auto and 25% on your home insurance. You'll want to move all your business to PEMCO!
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​​​​​​​​​​​​​​​​​​​​​We appreciate everyone in education, not just the teachers. Save up to 5% if you work for a school (public or private), community college, or university. And keep the discount when you retire!
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​Thanks for choosing us! For your first five years with PEMCO, Washington residents can save if your driving record shows three years with no accidents or tickets.
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​If you drive to work just one or two days a week (and carpool, bus, bike, or walk on the other days), save up to 5%.
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​You save money simply for owning a car with air bags and car alarms. You're safer, your car is safer.
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​Insure two or more cars on the same PEMCO policy and save up to 20% on each.
Car insurance discounts​​​
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​​​​​​​​​​​​​​​​​​​​>= 3.0 GPA + safe driving record = 20% savings. Keep studying!
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​If your child doesn't have a vehicle at school and is at least 75 miles away from home, save on your insurance. (Spend on student housing.)
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​Keep your driving skills sharp! For the age 55+ crowd, if you complete a certified defensive driving course, you'll save.
Car insurance discounts​​​
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​Any policyholder who's a UW graduate with a bachelor's or advanced degree, living in Washington or Oregon, qualifies for this discount. Customers who qualify for the Educator Discount and graduated from the UW will receive the Educator Discount only.
Car insurance discounts
Washington residents earn one Safe Driver Year for every 12 consecutive months you’re with PEMCO with no chargeable activity on your driving record. After one year, you start earning discounts.​ ​
Car insurance discounts​​​​