Pekin Insurance Review

  • With 2.5/5 stars in 2023, Pekin is an average insurance company.
  • Read Pekin reviews, complaints and prices before you buy.
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Beth Swanson

SEO Content Strategist

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Kristine Lee

Manager, Content and Data

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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Manager, Content Quality

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Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

Pekin insurance: Ratings and reviews

2.5 100% filled Star icon 100% filled Star icon 50.0% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

Pekin Insurance is an Illinois-based insurer providing a variety of coverage options for customers throughout the Midwest. In this review, we'll delve into the strengths and areas for improvement for Pekin, with a focus on customer service, coverage offerings, and discounts.

100% filled Star icon 100% filled Star icon 50.0% filled Star icon 0% filled Star icon 0% filled Star icon
2.5 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • Comprehensive range of auto insurance coverage options

  • Variety of discounts available

  • Strong customer service reputation in the regions they serve

  • Financially stable with a long-standing presence in the insurance industry

Cons
  • Geographically limited; coverage not available in all states

  • Some customers report longer-than-average claims processing times


The following section evaluates Pekin based on customer service, claims satisfaction, and financial strength:

Claims Satisfaction: Not rated

Customer Satisfaction: 1/5

  • The Better Business Bureau rated Pekin as 1/5 in overall auto customer satisfaction[1]

Complaint Index: Above average

  • The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Pekin[2]

Financial Strength: Excellent/Good

  • Pekin received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Pekin for it to be included.


How much does Pekin insurance cost?

The national average for a 6 month car insurance policy is currently $880, whereas Pekin is about $403 or roughly 54% cheaper than which makes it one of the cheapest auto insurance options available. Of course, this can vary from driver to driver, and rating factors include things like your driving record, location, and vehicle type. It's recommended to gather personalized quotes for the most accurate pricing, but Pekin may be a viable option.

The table below shows how Pekin car insurance rates compare against other top insurers. 

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
Pekin Insurance $67
USAA $114
Nationwide $123
GEICO $129
American Family $131
State Farm $131
Progressive $157
Allstate $201
Updated: 10/30/23.

Like most other insurance companies, pricing for Pekin's auto insurance does vary based on your age and generally will get cheaper the older you get

The table below shows Pekin's car insurance premiums for different age brackets. 

Pekin Costs by Age Group
Age Group Avg. Monthly Premium
Teens $175
20s $87
30s $65
60s $61
40s $61
50s $60
Updated: 10/30/23.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

Discounts offered

Pekin provides an array of auto insurance discounts, although availability may be contingent upon individual qualifications and regional factors. Here are some potential discounts:

  • Multi-car: Customers insuring multiple vehicles with Pekin may be eligible for discounts.
  • Paid-in-Full: Pay the premium for your whole policy period up-front to save on the overall cost.
  • Good student: Full-time students with good grades could qualify for a discount.

Take a look at all of Pekin's discount programs here.

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What types of coverage does Pekin offer?

Pekin offers a wide range of coverage options including liability, collision, comprehensive, uninsured and underinsured motorist coverage, and personal injury protection. They also offer additional coverages such as:

  • Roadside rescue - This pays the towing charges when your vehicle breaks down and includes 24/7 roadside assistance for flat tires, lock-outs, and more.
  • Auto guard endorsement - For an additional $20 per vehicle, you can add coverage for additional car rental, keep replacement, personal effects, trip interruption, or tire protection.
  • Replacement cost coverage on new vehicles - Covers your new car at full replacement value if it's declared a total loss.

See more about Pekin's coverage options here.

Where is Pekin available?

Although not all of its products are offered in all states, Pekin does write policies in quite a few locations. If you're curious about Pekin Insurance as an option for your next auto insurance carrier, peruse this list to see if personal lines are available in your state:

  • Arizona
  • Illinois
  • Indiana
  • Iowa
  • Ohio
  • Wisconsin

Click here to see which types of policies are offered in specific states. Pekin writes life insurance policies, as well as things such as funeral preplanning and medicare supplements, in many other locations.


Pekin insurance review: Summary

In conclusion, Pekin is a reliable insurance provider for customers in the regions they serve. They offer a wide array of coverage options, have a strong reputation for customer service, and provide a variety of potential discounts. Their online presence may not be as robust as larger insurers and their coverage is geographically limited, but their commitment to policyholders is clear. As always, potential customers should compare quotes and coverage from various insurers to ensure Pekin meets their unique needs.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Pekin insurance: Frequently asked questions

Pekin insurance is a good option for drivers in AZ, IL, IN, IA, OH, and WI desiring multiple coverage options, good customer service, and potential discounts. However, those living outside of Pekin's geographic coverage or who prioritize speedy and efficient claims processing should look elsewhere.

Pekin Insurance sells insurance in Arizona, Illinois, Indiana, Iowa, Kentucky, Michigan, Missouri, Ohio, and Wisconsin but only sells auto insurance in Arizona, Illinois, Indiana, Iowa, Ohio, and Wisconsin.

Pekin received an "Excellent" rating from AM Best, meaning they are in a solid financial position for paying out claims.

Pekin is a subsidiary of The Farmers Automobile Insurance Association, which is different from the well-known Farmers Insurance, operated by Farmers Group, Inc.

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