Pekin’s customer service generally handles routine tasks—like managing policies or filing straightforward claims—efficiently, especially through their digital platforms. However, customers report that more complex claims or disputes can take longer to resolve, and reaching a representative for these issues may be challenging at times.[2]
Pekin Insurance Review (2026)
- Overall rating: good (3.5/5 stars)
- Average cost: $833 for a 6-month policy
- Digital Experience Score: Solid (4/5 stars)
Read more below to get a quote directly from Pekin.
Reviewed By Tara Stumpf
Edited By Beth Swanson
Pekin Insurance: A good choice for value-conscious shoppers
A broad list of discounts, extra coverage options and below-average prices among similarly-sized carriers earn Pekin a good rating from experts at The Zebra.
Customer feedback is mixed. While many appreciate the savings and policy flexibility, some have reported challenges with customer service, including issues with policy cancellations and delays in claim processing.
What customers like:
Customer support: Get help through your preferred method—phone, chat, app, or in-person.
Website usability: Easy-to-use website makes managing your policy simple.
Payment options: Connects with payment apps and devices for added convenience.
What customers don't like:
App limitations: Poor or missing app forces you to use less convenient methods.
Claims transparency: Lack of transparency leaves you uncertain about claim status.
Policy instability: Frequent changes create confusion and coverage uncertainty.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Pekin car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Pekin is about $833.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Pekin Insurance | $257 | $833 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Pekin stacks up against competitors →
Discounts offered at Pekin: more options than competitors
Pekin offers an array of discounts, including the usual options such as good student and multi-car discounts. Pekin also offers additional opportunities to customers to lower their premiums and feel confident in their choices.
Multi-policy
With a Pekin Life Insurance policy, you can potentially save money on your home and auto premiums.
Anti-theft device
You may qualify with comprehensive coverage, a hood lock and a disabling device.
Accident forgiveness
For auto policies that have been insured with Pekin Insurance for at least 3 years but less than 5 years, the first accident under $5,000 is forgiven
| Multi-Car Discount | Advance Quote Discount |
| Anti-Theft Discount | Auto Accident Forgiveness Discount |
| Auto Tenure Discount | Auto/Home Insurance Discount |
| Defensive Driver Discount | Auto-Pay Discount |
| Good Student Discount | Paid in Full Discount |
To learn more about each discount Pekin has to offer, see their discounts page.
Compare with other companies
See how Pekin stacks up against similar companies
Cost: $833 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
- Multiple ways to file claims
- Moderate customer satisfaction
- Dependable support
Cost: $780 for a six-month auto policy
Customer satisfaction: Moderate
Our take:
- Less expensive than Pekin
- Lower claims experience scores than Pekin
- More discount options than Pekin
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- More expensive than Pekin
- Broader range of coverage than Pekin
- Lower claims experience scores than Pekin
Pekin's customer service & claims experience: mixed experiences
Thinking about Pekin?
See what other drivers are asking
Pekin's service with big claims
This sounds on par for Pekin, but also for a lot of other regional companies. They tend to shine when it comes to pricing and the basics. Most people who rarely file claims report smooth renewals, easy billing, and friendly agents.Where the mixed feedback for Pekin comes in is with bigger or more c…
If I backed into a pole, do I need a police report?
First off, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle.As for your second question, should you file a claim, the choice will ultimately be up to you. However, I recommend following the advice below before deciding to file a claim:G…
How much will your rates climb after filing a claim with Pekin?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $924 |
| None | $924 |
| Two comp claims | $1,162 |
| At-fault accident - $1000-$2000 | $1,198 |
| At-fault accident - greater than $2000 | $1,198 |
Source: The Zebra
Claims process: Generally reliable with occasional delays
Pekin Insurance provides multiple ways to file claims, including online and by phone. Many customers report prompt, satisfactory resolutions, though some experience delays or partial settlements. Overall, Pekin offers dependable claims support, but experiences can vary.
Coverage options: Flexible and customizable
Beyond the standard coverage offerings you'd expect from most auto insurance companies (like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection) Pekin offers additional coverage, too.
✔️ Roadside rescue
✔️ Auto guard endorsement
✔️ Replacement cost coverage for new autos
Carrier pulse: Recent news from Pekin
- Pekin Insurance’s tech-driven comeback is turning heads in the industry. The company says technology innovation and smart partnerships fueled its turnaround.[3]
Final thoughts: Is Pekin Right for You?
Pekin Insurance provides solid and dependable coverage options, backed by strong financial ratings that reflect the company’s stability and ability to pay claims. While the insurer is generally considered reliable and trustworthy, some policyholders have reported slower-than-expected claims processing and occasional service-related issues, particularly in areas with limited agent availability.
Frequently Asked Questions about Pekin
Get quotes from Pekin and other top companies
Sources:
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Pekin Insurance's Tech-Driven Turnaround Featured in InsurTech Digital and FinTech Magazine. Pekin
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.