Pekin Auto Insurance Review for 2025 (Rates, Discounts, & Options)

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 Pricing by Driver

Pekin auto insurance rates 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 Monthly Rates by Age, Gender, & Coverage Level

Pekin auto insurance remains competitive when comparing driving records. 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.

Comparing More Pekin 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

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.Pekin auto insurance offers competitive pricing that finds a middle ground — neither the cheapest nor the most expensive.

Learn More: How Credit Score Impacts Auto Insurance Rates

Save Money With Pekin Auto Insurance Discounts

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%	20%	15%	10%
	15%	20%	25%	10%	8%
	10%	15%	20%	10%	10%
	15%	20%	22%	15%	12%
	12%	25%	18%	12%	10%
	10%	20%	15%	10%	8%
	10%	20%	18%	12%	10%
	12%	18%	22%	12%	10%
	15%	20%	25%	15%	12%
	10%	22%	20%	15%	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.

Comprehensive Coverage Options From Pekin Insurance

Pekin offers the 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.

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.

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+ Superior 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.

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 auto insurance claims.

Read More: How to File an Auto Insurance Claim

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.