GEICO vs PEMCO Car Insurance

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Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

PEMCO
Not Rated
What is this?

Insurify Composite Score

GEICO VS PEMCO
88
Not Rated
What is this?
User Ratings
OptionsGEICO PEMCO
Rating/Reviews
3,736 reviews
15 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO PEMCO
Call Center RepresentativeAbout average--
Insurer WebsiteAmong the best--
Local AgentThe rest--
Overall SatisfactionAbout average--
Policy OfferingsBetter than most--
PricingBetter than most--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO PEMCO
Claim ServicingBetter than most--
Estimation ProcessBetter than most--
First Notice of Loss (FNOL)Better than most--
Overall SatisfactionBetter than most--
Rental ExperienceBetter than most--
Repair ProcessAbout average--
SettlementBetter than most--
J.D. Power Ratings by Region (out of 1000)
RegionGEICO PEMCO
California807 pt
About average
--
Central838 pt
Better than most
--
Florida832 pt
Better than most
--
Mid-Atlantic848 pt
Better than most
--
New England827 pt
About average
--
New York813 pt
About average
--
North Central830 pt
About average
--
Northwest805 pt
About average
842 pt
Among the best
Southeast839 pt
About average
--
Southwest798 pt
The rest
--
Texas816 pt
The rest
--
Mobile App Ratings
RegionGEICO PEMCO
Android
147,062 Reviews
--
iOS
446,400 Reviews
--
Financial Ratings
OptionsGEICO PEMCO
A.M. BestA++--
FitchAA---
Moody'sAa3--
Standard & Poor'sAA+--

Auto Insurance Quotes

For Married Drivers

CityGEICO PEMCO
Austin$59--
Chicago$67--
Philadelphia$88--
Phoenix$38--
Santa Monica$48--

For Single Drivers

CityGEICO PEMCO
Austin$62--
Chicago$68--
Philadelphia$92--
Phoenix$44--
Santa Monica$129--

For Male Drivers

CityGEICO PEMCO
Austin$59--
Chicago$71--
Philadelphia$92--
Phoenix$42--
Santa Monica$123--

For Female Drivers

CityGEICO PEMCO
Austin$62--
Chicago$64--
Philadelphia$87--
Phoenix$40--
Santa Monica$53--

For Drivers with Speeding Ticket

CityGEICO PEMCO
Austin$74--
Chicago$92--
Philadelphia$128--
Phoenix$64--
Santa Monica$141--

For Drivers with No Speeding Ticket

CityGEICO PEMCO
Austin$58--
Chicago$62--
Philadelphia$84--
Phoenix$36--
Santa Monica$77--

For Drivers Age Between 18-40

CityGEICO PEMCO
Austin$63--
Chicago$71--
Philadelphia$98--
Phoenix$45--
Santa Monica$149--

For Drivers Age Between 40-65

CityGEICO PEMCO
Austin$54--
Chicago$61--
Philadelphia$79--
Phoenix$35--
Santa Monica$40--

For Drivers Age of 65+

CityGEICO PEMCO
Austin$75--
Chicago$78--
Philadelphia$99--
Phoenix$48--
Santa Monica$41--

For Drivers with Average Credit

CityGEICO PEMCO
Austin$68--
Chicago$70--
Philadelphia$94--
Phoenix$43--
Santa Monica$76--

For Drivers with Fair Credit

CityGEICO PEMCO
Austin$71--
Chicago$74--
Philadelphia$104--
Phoenix$43--
Santa Monica$56--

For Drivers with Good Credit

CityGEICO PEMCO
Austin$55--
Chicago$66--
Philadelphia$84--
Phoenix$37--
Santa Monica$60--

For Drivers with Excellent Credit

CityGEICO PEMCO
Austin$48--
Chicago$60--
Philadelphia$77--
Phoenix$41--
Santa Monica$161--

Quotes & Discounts

Discount typeGEICO PEMCO
Good Driver DiscountUp to 26%--
Anti-Theft Device DiscountUp to 25%Varies
Emergency Deployment DiscountUp to 25%--
Federal Employee DiscountUp to 25%--
Passive Restraint DiscountUp to 25%Varies
Good Student DiscountUp to 15%Varies
Military DiscountUp to 15%--
Seat Belt Use DiscountUp to 15%--
Anti-lock Brake DiscountUp to 5%Varies
Daytime Running Lights DiscountUp to 3%--
Accident Free DiscountVariesVaries
Defensive Driver DiscountVariesVaries
Driving training discountVaries--
Multiple Policy DiscountVariesVaries
Multiple Vehicle DiscountVaries--
Organization DiscountVaries--
Senior Adult DiscountVaries--
teenSMART DiscountVaries--
Accident Forgiveness--Varies
Advance shopper discount--Varies
Alumni Discount--Varies
Home Owner Discount--Varies
Low Mileage Discount--Varies
Loyalty Discount--Varies
New Car Discount--Varies
Occupation Discount--Varies
Paid in full discount--Varies
Student Away at School Discount--Varies

Payment Methods

Discount typeGEICO PEMCO
Automatic Online Payment
yes--
Credit Card Payment yesyes
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yes--
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Phone Payment
yesyes

Features and Services

Features and ServicesGEICO PEMCO
24/7 serviceyes--
Accident forgivenessyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyes--
Text and email alertsyesyes

Optional Coverages

Optional CoveragesGEICO PEMCO
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Comprehensive Claim Forgiveness
yesyes
Electronic Key & Lock Replacement
--yes
Gap Insurance
--yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Online Quoting by State

  • GEICO
  • PEMCO
  • Both

Uber and Lyft driver insurance

  • GEICO
  • PEMCO
  • Both

SR‌-22 Insurance by State

  • GEICO
  • PEMCO
  • Both

Compare Insurance Products

ProductGEICO PEMCO
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • GEICO Reviews
  • PEMCO Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

All Reviews

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews