Is Pekin Good for Auto Insurance?
Last Updated on January 6, 2026
Pekin can be a good auto insurance option if you prefer working with a local independent agent and you live in a state where the company writes policies. Coverage options are fairly standard for a regional carrier, with a few add-ons that may be attractive for families and younger drivers.
This review explains what Pekin offers for auto insurance, how quotes work, what to expect from discounts, and how to evaluate the company’s financial strength and customer feedback.
Our Rating of Pekin Insurance Auto Insurance
3.7
out of 5
★★★★☆
Summary
Bottom line: Pekin Insurance is a dependable choice for Midwest drivers who prefer working with an independent agent and want traditional auto coverage from a long-established regional insurer.
Pekin Insurance focuses on a limited group of states, primarily in the Midwest, which allows it to tailor underwriting and service to local conditions. Coverage options generally meet the needs of standard drivers, and claims and policy service are handled through independent agents. While it doesn’t offer the digital tools or nationwide reach of larger carriers, its agent-based model can be a good fit for drivers who value personal guidance.
Best for
- Drivers in the Midwest who want a local independent agent
- Households seeking straightforward, standard auto coverage
- Policyholders who prefer agent-managed service over self-service apps
Not ideal for
- Drivers outside Pekin’s regional service area
- People who want fully digital, direct-to-consumer insurance
- Shoppers looking for extensive national discounts or bundling options
About Pekin Insurance
Pekin Insurance is headquartered in Pekin, Illinois and has been in business since 1921. The company operates primarily through an agent network (rather than selling direct-to-consumer in every state) and offers personal and commercial insurance lines.
Availability can change over time, so the simplest way to confirm whether Pekin writes auto insurance in your area is to check the company’s “Products by State” page and/or request a quote from a local agent.
You can learn more about current state availability here: Pekin Insurance products by state.
Pekin Insurance Contact Information
| Need Help With | Best Contact |
|---|---|
| Billing / payments / policy services | 800-322-0160 |
| Auto, home, or business claims | 888-735-4611 |
| Roadside assistance (Roadside Rescue) | 888-735-4611 (24/7) |
| Find a local agent | Use the “Find an Agent” tool |
Pekin Insurance Products and Services
Pekin sells multiple lines of insurance. Availability varies by state, but the company generally offers the following categories:
| Product Line | What It Typically Includes |
|---|---|
| Auto insurance | Minimum liability auto insurance, full coverage auto insurance, and optional add-ons |
| Home insurance | Homeowners and other property policies depending on the state and dwelling type |
| Life insurance | Multiple policy types based on underwriting and state approvals |
| Health products | Often focused on Medicare supplement and related products (state availability varies) |
| Business insurance | Common commercial coverages such as property, liability, and workers’ compensation (varies by industry and state) |
How Pekin Auto Insurance Works
Pekin is primarily an agent-based insurer. In most cases, you’ll request a quote through a local agent, who will review your drivers, vehicles, coverage needs, and budget. Requirements and available endorsements can vary by state, so the final menu of options may look different in neighboring states—even if you live close to Illinois.
Core Auto Coverages You Can Typically Add
Most Pekin auto policies include standard coverages found at many carriers. The table below summarizes what each coverage does and when it matters.
| Coverage | What It Pays For | Where to Learn More |
|---|---|---|
| Bodily injury liability | Injuries you cause to others in an at-fault accident | Bodily injury liability coverage |
| Property damage liability | Damage you cause to someone else’s vehicle or property | Property damage liability coverage |
| Medical payments (MedPay) | Medical bills for you and passengers after an accident, regardless of fault (where available) | Medical payments coverage |
| Collision | Repairs to your vehicle after a crash (subject to your deductible) | Collision coverage |
| Comprehensive | Non-collision losses like theft, vandalism, hail, falling objects, and flood (subject to your deductible) | Comprehensive coverage |
Quick tip: “Full coverage” isn’t a single coverage type. Ask your agent to list your deductibles (collision and comprehensive) and confirm whether rental reimbursement and roadside assistance are included—or need to be added.
Optional Add-Ons and Endorsements
In addition to core coverages, Pekin offers optional add-ons. Names and eligibility vary by state, but common options include the following:
| Add-On | What It’s Designed to Do | Notes |
|---|---|---|
| Roadside Rescue | Help with towing, flat tires, lockouts, jump-starts, and similar issues | Works similarly to other roadside assistance plans. |
| Auto Guard endorsement package | Bundles multiple extra protections beyond a base policy | Auto Guard is an endorsement package that may include items like enhanced rental benefits, key replacement, and personal effects coverage (availability varies). |
| Young Adult Protection Plus | Adds extra protections aimed at younger drivers | Typically combines Auto Guard-type benefits plus items like accidental death coverage and certain identity/personal property benefits such as personal property coverage (details vary by state). |
| Auto loan & lease (gap-style) coverage | Helps cover the difference between your vehicle’s value and what you owe after a covered total loss | This can matter when a vehicle is declared a total loss. |
| Increased rental reimbursement | Raises daily and/or maximum rental limits after a covered claim | Limits and pricing vary widely by state and insurer. |
| Accidental death benefit | Pays a benefit if the insured dies due to covered accident injuries | Not a substitute for life insurance; benefit amounts and eligibility vary. |
| Motorcycle and off-road options | Coverage for vehicles beyond standard passenger autos | May include motorcycle and ATV policies depending on the state. |
Pekin Auto Insurance Discounts
Discounts vary by state, underwriting rules, and sometimes driver/vehicle eligibility. Your agent can confirm what applies to your policy and whether discounts stack. Common Pekin discounts may include:
| Discount | What Usually Qualifies |
|---|---|
| Multi-car | Insuring multiple vehicles on one policy (or with the same insurer) |
| Advance quote | Requesting a quote before your current policy renews |
| Anti-theft device | Qualifying theft deterrents; requirements vary and may depend on the device type |
| Auto/home bundling | Combining policies (often called a “multi-policy” discount). See how bundling auto and homeowners typically works. |
| $0 glass deductible option | Optional feature that may reduce or remove the deductible for glass claims (where offered) |
| Defensive driver | Often for older drivers who complete a qualifying defensive driving course (state rules vary) |
| EFT / autopay | Paying via electronic funds transfer or certain automatic payment methods |
| Good student | Eligibility for drivers under 25 who meet academic requirements (see how a good student discount typically works) |
| Paid in full | Paying the policy term upfront instead of monthly (see whether it’s better to pay in full or monthly) |
Pekin Customer Reviews and Financial Strength
When choosing any insurer, it helps to separate financial strength (ability to pay claims) from customer experience (claims handling, communication, billing, agent support). Pekin is a regional carrier, so it may not appear in every national satisfaction study.
Financial strength: Pekin Insurance Company is rated by A.M. Best. You can view the company profile and rating history here: A.M. Best rating for Pekin Insurance Company.
Customer complaints and reviews: It’s normal for insurers to receive complaints—especially around claims—so it’s best to look for patterns (delays, communication, billing issues) rather than focusing on a single review. You can review BBB business information and complaint history here: Pekin Insurance (BBB profile).
Final Word on Pekin Auto Insurance
Pekin is an Illinois-based, agent-driven insurer with a multi-state footprint. For drivers who want local-agent support, standard coverages, and a few packaged endorsement options, Pekin may be worth pricing out—especially if you already have (or plan to add) another policy type with the company.
The best way to decide is to compare the same coverages and deductibles across multiple insurers, then weigh premium, claims reputation, and financial strength together—not price alone.
