Pekin Auto Insurance Review for 2025 (Rates, Discounts, & Options)
Our Pekin auto insurance review highlights its competitive rates starting at $80 a month. It offers multi-car, advanced quote, and good student discounts of up to 18%. It stands out with the Pekin Auto Guard Endorsement, which provides rental reimbursement, key replacement, and personal effect coverage.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated February 2025
Our Pekin auto insurance review explores its diverse coverage options, from drivers with everyday commutes to those with specialized fleet vehicles.
Pekin Insurance policies offer a range of protective features, including roadside rescue, which is available 24/7, new car replacement insurance, and various endorsements through its Auto Guard program.
Pekin Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 3.5 |
| Business Reviews | 4.0 |
| Claims Processing | 4.0 |
| Company Reputation | 3.0 |
| Coverage Availability | 4.1 |
| Coverage Value | 3.4 |
| Customer Satisfaction | 3.9 |
| Digital Experience | 3.5 |
| Discounts Available | 4.0 |
| Insurance Cost | 3.3 |
| Plan Personalization | 4.0 |
| Policy Options | 2.5 |
| Savings Potential | 3.5 |
While it offers competitive monthly rates and policy options for ATVs and motorcycles, Pekin car insurance offers fewer discounts and add-ons than its national competitors. Keep reading to see if it’s the right provider for you.
If you’re ready to buy auto insurance, explore your local options by entering your ZIP code into our free comparison tool today.
- Pekin auto insurance policies start at a competitive $80 per month
- Discounts include multi-car, EFT payments, and good student savings
- Coverage extends to tire changes, towing, and emergency fuel delivery
Affordable Pekin Auto Insurance Rates for Older and High-Risk Drivers
Pekin auto insurance ratings are incredibly competitive for older drivers. A 60-year-old female, for example, can pay as little as$80 for minimum coverage and full coverage auto insurance for $150, which is markedly affordable when compared to industry averages. Pekin auto insurance remains competitive when comparing driving records.
Pekin Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $270 | $370 |
| 16-Year-Old Male | $300 | $400 |
| 18-Year-Old Female | $240 | $340 |
| 18-Year-Old Male | $280 | $380 |
| 25-Year-Old Female | $130 | $210 |
| 25-Year-Old Male | $150 | $230 |
| 30-Year-Old Female | $110 | $190 |
| 30-Year-Old Male | $120 | $200 |
| 45-Year-Old Female | $90 | $160 |
| 45-Year-Old Male | $95 | $170 |
| 60-Year-Old Female | $80 | $150 |
| 60-Year-Old Male | $85 | $160 |
| 65-Year-Old Female | $90 | $160 |
| 65-Year-Old Male | $95 | $170 |
Pekin is forgiving and affordable for high-risk drivers, with a minimal monthly increase to $62 for those with a DUI. Not only does this pricing strategy offer a financial lifesaver following traffic violations, but it also sits below many competitors who apply steeper rate spikes for similar infractions.
That makes Pekin a nice option for drivers who want leniency and cheapness, mainly if a speeding ticket affects your auto insurance rates. Pekin auto insurance stands out as a competitive option in terms of cost. Pekin’s average monthly cost is right in the middle between Nationwide’s’ slightly lower $105 and Liberty Mutual’s’ higher $125.
Pekin Auto Insurance Monthly Rates vs. Top Providers
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $80 | $145 |
 | $72 | $130 |
 | $82 | $150 |
 | $65 | $120 |
 | $90 | $160 |
 | $78 | $140 |
| $85 | $150 |
 | $75 | $140 |
 | $70 | $135 |
 | $77 | $140 |
Pekin Insurance is committed to providing affordable coverage to high-risk drivers with poor credit. Its stable price of $145 a month competes closely with Travelers as credit scores go down, and it’s less than Liberty Mutual.
Pekin Auto Insurance Monthly Rates vs. Top Competitors by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $115 | $135 | $180 |
| $100 | $130 | $180 |
| $110 | $140 | $190 |
| $100 | $130 | $175 |
| $125 | $150 | $200 |
| $105 | $135 | $170 |
| $120 | $145 | $190 |
| $110 | $140 | $185 |
| $95 | $125 | $160 |
| $110 | $145 | $195 |
Pekin auto insurance offers competitive pricing that finds a middle ground — neither the cheapest nor the most expensive. For a poor credit score, Pekin comes in at $190, so again below Liberty Mutual’s $200 but slightly more than State Farm’s more reasonable $160.
Learn More: How Credit Score Impacts Auto Insurance Rates
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Pekin Auto Insurance: Comprehensive Discounts for Diverse Drivers
Pekin auto insurance discounts compare favorably with those of major competitors, showing a balance of savings overall. The 20% bundling discount is similar to what companies like Geico and Nationwide offer. Pekin’s 18% insurance discount for good drivers is quite competitive, slightly under State Farm’s leading 25%, but still very much in the game.
Pekin Auto Insurance Discounts
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | Paid-In-Full |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 10% |
| 25% | 25% | 25% | 20% | 20% |
| 10% | 20% | 30% | 15% | 10% |
| 25% | 25% | 26% | 15% | 10% |
| 35% | 25% | 20% | 15% | 12% |
| 5% | 20% | 40% | 15% | 15% |
| 10% | 20% | 18% | 12% | 10% |
| 25% | 10% | 30% | 10% | 15% |
| 15% | 17% | 25% | 25% | 15% |
| 15% | 13% | 10% | 8% | 10% |
Where Pekin really stands out is in their approach to customer loyalty and diverse discount options, which cater to a wide range of drivers — from students who benefit from a 12% good student discount, closely matching Liberty Mutual’s 12%, to anyone taking advantage of the paid-in-full discount of 10%, aligning with what most other insurers offer.
This balanced approach ensures that most customers will find a discount that applies to them, making Pekin a solid choice for personalized auto insurance coverage.
Pekin Insurance Reviews: Customer Service and Stability
Pekin Insurance boasts impressive ratings on numerous review sites. It has an A- rating with A.M. Best, showing excellent financial stability, and the A Pekin Insurance BBB rating is for superb business practices. Consumer Reports and J.D. Power rate Pekin with above-average scores in customer satisfaction.
Pekin Insurance Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: A- Excellent Financial Strength |
 | Score: A Excellent Business Practices |
 | Score: 78/100 Above Avg. Customer Satisfaction |
 | Score: 870 / 1,000 Above Avg. Satisfaction |
 | Score: 1.25 Avg. Complaints |
Moreover, the National Association of Insurance Commissioners (NAIC) shows Pekin has a lower complaint ratio compared to many competitors, reinforcing its reputation for effective customer service and reliability. These findings are echoed in Pekin customer reviews, which often emphasize the company’s responsive and dependable service.
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inInsuranceProfessional
Pekin auto insurance provides strong coverage options, reliable service, and competitive rates, but applicants should take note of potential geographic and service limitations, particularly regarding Pekin insurance claims.
Read More: How to File an Auto Insurance Claim
Comprehensive Coverage Options From Pekin Insurance
Pekin offers standard liability, collision, and comprehensive auto insurance coverage options, as well as medical payments coverage, but it stands out for its other policies and add-ons. Whether you’re driving a car, riding a motorcycle, adventuring off-road, or sailing, here are coverage options Pekin tailors to protect its customers:
- Motorcycle Insurance: Offers protection for injuries to you, your rider, and others, as well as property damage caused by your bike. Coverage extends to two and three-wheeled motorcycles, mopeds, motorscooters, and motorbikes.
- Off-Road Vehicle Insurance: Covers a variety of recreational vehicles, including snowmobiles, golf carts, and ATVs, ensuring your off-road adventures are worry-free with comprehensive protection.
- Boat Insurance: Covers a range of boat types and gives options for coverage for liability and physical damage, ensuring you’re prepared for a safe outing on the water.
- Roadside Rescue Services: Available 24/7 for emergencies such as tire changes, towing, fuel delivery, and more, ensuring you’re never stranded no matter where your travels take you.
- Auto Guard Enhancements: Builds standard auto policies with additional benefits, such as trip interruption coverage, key replacement, and even tire protection, and provides more than basic auto insurance.
With Pekin auto insurance coverage options, you can confidently pursue your passions, knowing you’re fully protected. Pekin’s flexible policies are designed to suit various needs, so every road trip is protected.
To top this, Pekin Insurance agents are available locally to offer personalized advice and clarify the finer details of each individual plan so that drivers can tailor coverage to their exact needs.
When choosing coverage with Pekin auto insurance, consider your specific driving habits and vehicle type to ensure you select the right policy enhancements.Michelle Robbins Licensed Insurance Agent
Pekin’s car insurance features are valuable but compare car insurance companies online to avoid paying for extras you don’t need. Shopping around ensures you get the right protection at the best price without unnecessary costs.
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Pros and Cons of Pekin Auto Insurance
Pekin auto insurance is unique in that it specializes in providing affordable but still comprehensive coverage for a variety of drivers, including high-risk drivers. It has 24/7 roadside assistance, which adds layers of value, giving peace of mind in moments of need.
- Competitive Premiums: These are desirable rates for older drivers, enhancing affordability for seniors.
- Extensive Roadside Assistance: Provides complete emergency services such as towing, changing tires, and jump-starting your car, available 24/7.
- Multiple Lines of Insurance: Pekin Insurance sells business, life, and medicare coverage, which can be bundled with auto insurance for 20% discounts.
While Pekin is noted for its broad coverage and affordability, there are a few limitations to consider. While it sells insurance in most states, its auto policies are limited.
- Geographic Restrictions: Personal auto insurance is only available in Arizona, Illinois, Indiana, Ohio, and Wisconsin.
- Inconsistent Customer Experiences: Despite high ratings, some car insurance customers have mixed feelings about their experiences depending on where they live.
Before determining if Pekin is the one for you, we recommend comparing it directly with other insurers to see if it suits your exact needs and gives you peace of mind with your decision.
Enter your ZIP code into our free quote tool to find the best auto insurance providers near you that match your needs and budget.
Frequently Asked Questions
How long has Pekin Insurance been around?
Pekin Insurance has been in operation since 1921, serving various insurance needs for over a century.
What is the rating of Pekin Insurance?
Pekin Insurance has been reaffirmed with an A+ (Excellent) financial strength rating by AM Best, indicating its robust financial stability and ability to meet policyholder obligations.
How much is Pekin’s auto insurance?
Pekin car insurance rates are quite competitive, particularly when considering minimum auto insurance requirements. A 60-year-old female might secure minimum coverage for about $80 and full coverage for $150 per month. These rates are influenced by factors like age, driving history, and the type of vehicle.
What is the Pekin Insurance A.M. Best rating?
Pekin Insurance holds an A- rating from A.M. Best, reflecting strong financial health and claims-paying ability.
Who is the CEO of Pekin Insurance?
As of the latest update, Dan Connell serves as the Chairman of the Board, President, and Chief Executive Officer of Pekin Insurance.
What is Pekin Insurance known for?
Pekin is known for its customer-focused approach, providing a wide range of insurance products, including different types of auto insurance, and being committed to innovation and excellence in the insurance industry.
Who founded Pekin Insurance Company?
Pekin Insurance was founded by a group of Central Illinois farmers in 1921, initially created to provide affordable and reliable auto insurance coverage.
How big is Pekin Insurance Company?
Pekin Insurance employs nearly 700 people and operates in multiple states, including Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin, with almost 1,200 independent agencies.
Why is it called Pekin?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
What does Pekin Insurance do?
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
Pekin Insurance has been in operation since 1921, serving various insurance needs for over a century.
Pekin Insurance has been reaffirmed with an A+ (Excellent) financial strength rating by AM Best, indicating its robust financial stability and ability to meet policyholder obligations.
How much is Pekin’s auto insurance?
Pekin car insurance rates are quite competitive, particularly when considering minimum auto insurance requirements. A 60-year-old female might secure minimum coverage for about $80 and full coverage for $150 per month. These rates are influenced by factors like age, driving history, and the type of vehicle.
What is the Pekin Insurance A.M. Best rating?
Pekin Insurance holds an A- rating from A.M. Best, reflecting strong financial health and claims-paying ability.
Who is the CEO of Pekin Insurance?
As of the latest update, Dan Connell serves as the Chairman of the Board, President, and Chief Executive Officer of Pekin Insurance.
What is Pekin Insurance known for?
Pekin is known for its customer-focused approach, providing a wide range of insurance products, including different types of auto insurance, and being committed to innovation and excellence in the insurance industry.
Who founded Pekin Insurance Company?
Pekin Insurance was founded by a group of Central Illinois farmers in 1921, initially created to provide affordable and reliable auto insurance coverage.
How big is Pekin Insurance Company?
Pekin Insurance employs nearly 700 people and operates in multiple states, including Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin, with almost 1,200 independent agencies.
Why is it called Pekin?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
What does Pekin Insurance do?
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
Pekin car insurance rates are quite competitive, particularly when considering minimum auto insurance requirements. A 60-year-old female might secure minimum coverage for about $80 and full coverage for $150 per month. These rates are influenced by factors like age, driving history, and the type of vehicle.
Pekin Insurance holds an A- rating from A.M. Best, reflecting strong financial health and claims-paying ability.
Who is the CEO of Pekin Insurance?
As of the latest update, Dan Connell serves as the Chairman of the Board, President, and Chief Executive Officer of Pekin Insurance.
What is Pekin Insurance known for?
Pekin is known for its customer-focused approach, providing a wide range of insurance products, including different types of auto insurance, and being committed to innovation and excellence in the insurance industry.
Who founded Pekin Insurance Company?
Pekin Insurance was founded by a group of Central Illinois farmers in 1921, initially created to provide affordable and reliable auto insurance coverage.
How big is Pekin Insurance Company?
Pekin Insurance employs nearly 700 people and operates in multiple states, including Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin, with almost 1,200 independent agencies.
Why is it called Pekin?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
What does Pekin Insurance do?
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
As of the latest update, Dan Connell serves as the Chairman of the Board, President, and Chief Executive Officer of Pekin Insurance.
Pekin is known for its customer-focused approach, providing a wide range of insurance products, including different types of auto insurance, and being committed to innovation and excellence in the insurance industry.
Who founded Pekin Insurance Company?
Pekin Insurance was founded by a group of Central Illinois farmers in 1921, initially created to provide affordable and reliable auto insurance coverage.
How big is Pekin Insurance Company?
Pekin Insurance employs nearly 700 people and operates in multiple states, including Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin, with almost 1,200 independent agencies.
Why is it called Pekin?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
What does Pekin Insurance do?
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
Pekin Insurance was founded by a group of Central Illinois farmers in 1921, initially created to provide affordable and reliable auto insurance coverage.
Pekin Insurance employs nearly 700 people and operates in multiple states, including Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin, with almost 1,200 independent agencies.
Why is it called Pekin?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
What does Pekin Insurance do?
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
The company is named after Pekin, Illinois, reflecting its origins and roots in the local community where it was established by local farmers. Compare more Illinois auto insurance companies.
Pekin Insurance offers a range of insurance products, including auto, home, life, and business insurance across multiple states, providing financial protection and peace of mind for its customers. Enter your ZIP code to find affordable insurance companies near you.
How do I contact Pekin Insurance to discuss my auto policy or make a claim?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How can I pay my Pekin auto insurance bill online?
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