We have several options for payment plans and payment methods so you can pay your bill your way. 
You can pay using Easy-Pay (Electronic Funds Transfer, or EFT), credit card or debit card, one-time electronic check, or physical check. 
You can pay your bill online at, in the Go PEMCO mobile app, over the phone, or by mailing in a physical check. 
For more questions related to your payment options, you can speak with an agent at 1-800-GO-PEMCO (1-800-467-3626). 
You can pay your premium in one full payment (and receive a discount on your Auto policy!) or split it up over multiple payments. You can also choose to pay monthly.  
Our plans are outlined below: 
Full Pay plan: Pay your total premium in one payment and receive a discount on your Auto policy.  
Semi-annual plan: Pay 50% upfront and 50% in six months. Annual policies only. 
50% plan: Pay 50% upfront and 50% in three months. Auto policies only. 

20% plan: Pay 20% upfront and the rest of your balance in eight monthly installments. Annual policies only. 

Monthly plan: Split your premium over 12 or six monthly installments, depending on the term length of your policy. 
If you’re on Easy-Pay, meaning you have your payments automatically deducted from your bank account, there is a $2 installment fee associated with each transaction. 
If you’re on a direct bill plan, meaning you have invoices sent to you, there is a $6 installment fee associated with each invoice. 

To avoid any installment fees, you can choose the Full Pay plan and pay your premium in one full payment. 
If you were enrolled in Easy-Pay with a self-selected due date prior to May 15, 2024, you will keep your deduction date unless you change your banking information or enroll in a different payment plan. (If you are updating your banking information due to fraudulent activity or a qualifying life event, please call us at 1-800-467-3626). 

If you are a new PEMCO customer or would like to sign up for Easy-Pay for the first time, your deduction date will align with your policy effective date. For example, if your policy effective date is on the 15th of the month, your Easy-Pay deduction day will be on the 15th of the month.  
If you don’t make a payment by the due date, or it’s returned by your bank, we will send you a pending cancellation notice, indicating your payment hasn’t been received. You then have 15 days to complete a payment before your policy cancels for non-payment. Currently, PEMCO does not apply a late fee.  
If you’re on Easy-Pay and your payment is returned, PEMCO may attempt a second time to secure the payment. If the payment is returned a second time, you will be charged a $25 returned payment fee. You may be removed from the Easy-Pay service and be sent an invoice which may include additional installment fees.