Pekin vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Pekin
Not Rated
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Pekin VS USAA
Not Rated
96
What is this?
User Ratings
OptionsPekin USAA
Rating/Reviews
26 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsPekin USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsPekin USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionPekin USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionPekin USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsPekin USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityPekin USAA
Austin--$48
Chicago$89$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityPekin USAA
Austin--$61
Chicago$86$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityPekin USAA
Austin--$55
Chicago$80$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityPekin USAA
Austin--$54
Chicago$94$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityPekin USAA
Austin--$73
Chicago$121$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityPekin USAA
Austin--$51
Chicago$80$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityPekin USAA
Austin--$61
Chicago$84$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityPekin USAA
Austin--$44
Chicago$82$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityPekin USAA
Austin--$71
Chicago$117$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityPekin USAA
Austin--$59
Chicago$97$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityPekin USAA
Austin--$57
Chicago$100$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityPekin USAA
Austin--$45
Chicago$84$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityPekin USAA
Austin--$57
Chicago$68$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typePekin USAA
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Defensive DriverVariesVaries
EV/HybridVaries--
Good StudentVariesVaries
Low MileageVariesVaries
Mature driverVaries--
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Passive Restraint--Up to 15%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typePekin USAA
Automatic Online Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesPekin USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesPekin USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Young Adult Protection Plus Coverage
yes--

Uber and Lyft driver insurance

  • Pekin
  • USAA
  • Both

SR‌-22 Insurance by State

  • Pekin
  • USAA
  • Both

Compare Insurance Products

ProductPekin USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Pekin Reviews
  • USAA 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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Read reviews that mention

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.