PEMCO 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

PEMCO
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

PEMCO VS USAA
Not Rated
96
What is this?
User Ratings
OptionsPEMCO USAA
Rating/Reviews
15 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsPEMCO 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)
OptionsPEMCO 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)
RegionPEMCO 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
Northwest842 pt
Among the best
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
RegionPEMCO USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsPEMCO USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typePEMCO USAA
Accident ForgivenessVariesVaries
Accident FreeVaries--
Advance shopperVaries--
AlumniVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Defensive DriverVariesVaries
Good StudentVariesVaries
Home OwnerVaries--
Low MileageVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
New CarVariesVaries
OccupationVaries--
Paid in fullVaries--
Passive RestraintVariesUp to 15%
Student Away at SchoolVariesUp to 20%
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Military--Up to 15%
Multiple Vehicle--Up to 13%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typePEMCO USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesPEMCO USAA
24/7 service--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile app--yes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistance--yes
Text and email alertsyes--

Optional Coverages

Optional CoveragesPEMCO USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Original Equipment Manufacturer Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes

Online Quoting by State

  • PEMCO
  • USAA
  • Both

Uber and Lyft driver insurance

  • PEMCO
  • USAA
  • Both

SR‌-22 Insurance by State

  • PEMCO
  • USAA
  • Both

Compare Insurance Products

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

User Reviews

  • PEMCO Reviews
  • USAA Reviews
2.5
5 Stars
27 %
4 Stars
7 %
3 Stars
7 %
2 Stars
7 %
1 Star
53 %

Most Positive Review

By Sandra
good customer service. offered ideas on how to lower my rate.

Most Critical Review

By R. S. Simmons
While pleased w/PEMCO's cheap rates, the fiasco that passed as "service" for towing my dead car {22 miles from Portland, OR to an outlying small town} last Sat. afternoon was so disappointing I am determined to change companies.

All Reviews

Showing 1 - 10 out of 15 Reviews
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Read reviews that mention

Cesar
Ken
Great service, fair price. I always shop my insurance every couple years.
John
Good price, prompt payment of claims
Alexis C
The auto insurance quote I got from Pemco when I first moved to the west coast was similar to the quotes I received from other insurance companies. I went with Pemco even though they were slightly, not significantly, higher than a few other quotes that I received because they were local, and that is important to me. Two years later, my rates have increased drastically in a short period of time. I have not had an accident, ticket, or late payment with Pemco, so I was obviously upset. I called Pemco and was told there was nothing they could do... I started calling other insurance companies for new quotes. EVERY SINGLE QUOTE I RECEIVED WAS ABOUT HALF OF WHAT PEMCO RAISED MY RATES TO. I switched yesterday to a new insurance company where I am literally paying less than half of what Pemco raised my rates to. Raising customers' rates so significantly without cause is horrible business practice, and I don't foresee ever giving Pemco my business again.
Jamie Emerson
No
R. S. Simmons
While pleased w/PEMCO's cheap rates, the fiasco that passed as "service" for towing my dead car {22 miles from Portland, OR to an outlying small town} last Sat. afternoon was so disappointing I am determined to change companies.
Marlys Jane
I was driving on I5 during morning rush hour. I was behind a large semi - truck when suddenly a large piece of shrapnel was tossed up from under his back tires and hit the front of my car! Pemco claims I was "50% negligent and it was my responsibility to know the condition of the road." There is no way I could of prevented this event!
Ken E
Pemco used to operate ethicaly but times have changed. After recieving a $500 increase in our yearly premium we found they increased our rates for a "NOT at fault accident" A fender bender last year that the other party accepted responsibility for..and it cost Pemco nothing. Pemco wouldn't have even known about the incident had I not given them a courtesy call to let them know in case thet were contacted by the party at fault. A poor busniess practice charging good customers, with perfect driving records, for other peoples issues. It's going to cost them all my accounts and I'll warn as many people as I can through the miracle of social media. Buyer beware.
Matthew
Georgiy K.
Rating of this insurance company is by far from A!!!! I got rear ended by one of their drivers who called them on the spot, filed a claim saying that it is 100% her fault. Adjuster by the name Kyle Lodge told me that unless he can get recorded statement from the driver, he cannot approve my claim and their driver that rear ended me is not returning calls. First of all, it has nothing to do with me. It is obvious that its her fault. She admitted it when filing a claim. Kyle also told me that it has to be 30 days and if they don't get in touch with the driver within 30 days, they will approve the claim. Well on the day #30 Kyle goes on vacation and gives no f*** about our claim. Now we have to wait for him to come back and that will put me driving broken car to 40 days....
Showing 1 - 10 out of 15 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.