Factors that determine your auto insurance rates

Driving record

Keep your driving record clear and benefit from our Safe Driver Discount.

Vehicle use

Statistically, the more you use your car, the more likely it is you'll get in an accident. Therefore, the higher your insurance rates.

Where you live

Living in a densely populated area increases your insurance rates.

Vehicle type

Luxury vehicles, sports cars, and vehicles with high repair costs have higher rates.

Age and gender

People in age groups with the highest accident frequency are charged higher rates.

Discounts

You can reduce your rates substantially by qualifying for PEMCO's money-saving discounts.

Coverage

Tailor your policy by choosing suitable levels of mandatory coverage and then adding optional coverage that best meets your needs. For more information, see our coverage descriptions.