Pekin vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Pekin
Not Rated
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Insurify Composite Score

State Farm
88
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Insurify Composite Score

Pekin VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsPekin State Farm
Rating/Reviews
26 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsPekin State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsPekin State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionPekin State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionPekin State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsPekin State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityPekin State Farm
Austin--$52
Chicago$89$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityPekin State Farm
Austin--$54
Chicago$86$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityPekin State Farm
Austin--$52
Chicago$80$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityPekin State Farm
Austin--$54
Chicago$94$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityPekin State Farm
Austin--$66
Chicago$121$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityPekin State Farm
Austin--$50
Chicago$80$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityPekin State Farm
Austin--$56
Chicago$84$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityPekin State Farm
Austin--$50
Chicago$82$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityPekin State Farm
Austin--$52
Chicago$117$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityPekin State Farm
Austin--$60
Chicago$97$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityPekin State Farm
Austin--$58
Chicago$100$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityPekin State Farm
Austin--$52
Chicago$84$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityPekin State Farm
Austin--$42
Chicago$68$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typePekin State Farm
Accident FreeVariesUp to 15%
Anti-Theft DeviceVariesUp to 15%
Defensive DriverVariesUp to 5%
EV/HybridVaries--
Good StudentVariesUp to 25%
Low MileageVariesUp to 10%
Mature driverVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
Paid in fullVaries--
Student Away at SchoolVariesVaries
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Good Driver--Up to 25%
Home Owner--Varies
Loyalty--Varies
Military--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typePekin State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesPekin State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesPekin State Farm
Accidental Death, Dismemberment, Disability
yesyes
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Young Adult Protection Plus Coverage
yes--

Uber and Lyft driver insurance

  • Pekin
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Pekin
  • State Farm
  • Both

Compare Insurance Products

ProductPekin State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Pekin Reviews
  • State Farm Reviews
2.3
5 Stars
31 %
4 Stars
4 %
1 Star
65 %

Most Positive Review

By Donna
Pekin took care of my claims quickly, smoothly, and with no problems

Most Critical Review

By Charles
Price gouging on their policies. Five years with them and they finally over-priced themselves. Ran me right to one of their competitors!!!

All Reviews

Showing 1 - 10 out of 26 Reviews
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Carla h
Their client hit me and it was like pulling teeth to get them to pay . Hire a lawyer if they have Pekin insurance . I’m reporting them to bbb and with the state !! Just a terrible insurance company!!
B. David
Have had this insurance or about 4-5 years, living in Az we have had some hail here and there, in the summer of 2018 we had a really high wind storm that was considered to be over 70Mph winds, i started to notice water damage on my garage, then begining of 2019 we had couple of days where it hailed and even snowed in parts of Scottsdale, at this point the water in my garage was rather flowing than being a leak, i had someone fix it and contacted insurance, Pekin Insurance, WHICH BY THE WAY CONTINUES TO RAISE THEIR PREMIUM YEARLY TO MAKE UP FOR WHEN IT SEEMED TO BE AFFORDABLE, the representative took about a month to come to my location, and a month to tell me THAT MY ROOF NEEDED MAINTENANCE, AND THAT MY CLAIM WAS DENIED. I AM CERTAINLY NOT RECOMMENDING THIS INSURANCE TO ANYONE. F- F- F- F- F- F- F-
Q.C.Contractors
Very poor customer service. No consistent billing or communication regarding billing. Was a total waste of my time and money
Sue
I've been with Pekin on and off for over 40 years.
Sue
Jose L
gave them one star but actually would give them 0 stars, we used them for home insurance. I put in a claim in for roof damage caused by wind earlier in the year but since I live in AZ and it doesn't rain often there, Didn't put the claim until months later and it was leaking bad. They denied the claim stating the roof was in bad condition due too maintenance and installed incorrectly. The roof was installed by a professional roofer about 9 years ago and has never leaked so they are full of it, any way stay away from this company there are the worst company I've have ever used, they just take your money but when it's time for them to help they find a way to not give you a dime.
Thomas S
It's amazing how companies today have no sense of customer loyalty or value. Instead, they place greater value on their internal accounting practices, payroll costs, external service fees, or inaptness before customers. In other words, they develop an attitude that it is always the customers fault when an error occurs and, therefore, the customer should be penalized. This attitude is very common in banking and insurance companies. Pekin is one of these companies. I had three policies with Pekin; auto, home, and umbrella. Pekin cancelled my policies because I was 15 days late. I pay on line with my bank and evidently forgot to push the button. Pekin does not accept elecrtonic fund transfers so my premium had to be mailed by the bank. They notified my agent who in turn called me. I immediately had the bank overnight the check at a cost to me of $25. I also sent another check to prepay my monthly payment and then another check to pay the next monthly premium. I called my agent and told them what I did and they assured me everything was okay. When we returned from our 5 week stay in Florida, Pekin returned my three payments and cancelled my policy while I was out of town. No phone call, no email and no notice to my agent. I drove over 3000 miles uninsured and my house unprotected. Thank God nothing happened. In my opinion, Pekin fails every test for being customer friendly and borders on being one of the most despicable and untrustworthy companies I ever did business with. My agent found another company the same day I opened the notices with the checks. And, I saved $150. So, good bye Pekin
Ann
jim m
We switched to Pekin because initially they offered a much lower rate overall for home and two autos combined... until we hit a deer (no fault in WI) and magically our rates went up... it also took nearly three months to get our 2017 pathfinder returned to us (hit deer oct.26, vehicle returned around January 10th). Multiple mistakes were made by their agent, they sent the estimate to the wrong repair shop... and NO one noticed. Unreal. Further- my contact and conversations with the agent attached to our claim were entirely unhelpful. Wouldn’t return calls until I contacted his supervisor. Since then we have been dealing with all sorts of odd pickiness- an old wood burner we have never used and don’t have hooked up to anything, and they still require us to pay for it, if you are late in a payment they will threaten termination and make you a pay a 10$ fee for even just a few days, only to send another statement. Truly awful customer service.
Kevin P.
STAY AWAY FROM PEKING - My wife was hit (at fault by a Pekin Insured as noted in the accident report) and its been over a month... Pekin will not pay for the repairs to our vehicle. They are denying liability of their insured. We have to use our own insurance, pay our deductible (which we can not afford to do) and fight Pekin to get them to pay for their insured. This is a GARBAGE company and unless you want them to move slower than the government I would steer clear... The only think I can do is get another job (dont have time) so I can pay for our deductible and file report after report with the BBB and the I******* D*** of I******** (which does nothing) There needs to be oversight so companies like this cant get away with what essentially is theft.
Showing 1 - 10 out of 26 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.