Pekin Insurance Reviews
Our Top Takeaways from the 2026
Our Top Takeaways from the 2024
At a quick glance, Pekin Insurance has been an active part of the insurance industry for over a century (102 years). Headquartered in Pekin, Illinois, the insurance company today has over 1,500 agencies, and 8,500 independent agents to drive their coverage options.
Pekin Insurance offers coverage in 24 states, offering coverage for individuals and businesses. The carrier has earned a reputation as a stable insurance provider, spurred on by its long-standing history, strong financial ratings, and insurance products. With an A+ rating from the Better Business Bureau (BBB), the insurance company serves 900,000 policyholders today.
In this review, we’ll look into the strengths and weaknesses for Pekin, with a focus on customer service, coverage options and discounts.
Pros and Cons
Pros
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Offers a multitude of auto coverage options -
Has several discounts
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A century’s worth of experience
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Excellent financial strength rating
Cons
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Doesn’t offer coverage in all states -
Longer-than-average claims processing times
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No online or 24/7 phone claims reporting
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Mixed customer feedback
| Identity Theft | Equipment Breakdown |
| Guaranteed Replacement Cost for the Dwelling | Scheduled Personal Property |
| Replacement Cost Coverage on Contents | Water and Sewer Line Breakage |
| Water Back-Up of Sewers and Drains | Earthquake |
| Refrigerated Property | - |
| Discount | Description |
|---|---|
| Protective Devices | Installing security systems in your home qualifies you for a discount. |
| New Roof | Applies if your roof was replaced within the last 5 years |
| Auto/Home | Applies when both your home and auto are insured with Pekin. |
| Actual Cash Value Roof | You can receive a discount for insuring your roof for actual cash value instead of replacement cost. |
| Paid-in-Full | Applies when both your home and auto are insured with Pekin. |
| Electronic Fund Transfer (EFT) | Making recurring payments with EFT qualifies you for a discount. |
| Advance Quote | You can get an advance quote discount by quoting your policy prior to the effective date. |
| Roadside Rescue | Auto Guard Endorsement |
| Rental Reimbursement | Replacement Cost for New Autos |
| Auto Loan & Lease | Accidental Death Benefit |
| $0 Deductible on Glass Claims | Equipment Coverage |
| Increased Rental Reimbursement | Young Adult Protection Plus |
| Discount | Description |
|---|---|
| Multi-Car | For having two or more passengers insured with Pekin. |
| Anti-theft Device | You may qualify for having comprehensive coverage, installing a hood lock and an active or passive disabling device. |
| Advance Quote | Offered for beginning the quoting process 8 days before the effective date. |
| Auto Accident Forgiveness | First accident under $5,000 is forgiven for those insured with Pekin for at least 3 years but less than 5 years. The first accident is forgiven regardless of the amount for those insured for 5 years or longer. |
| Auto Tenure | Offered for each year you are insured up to a maximum of 5 years. |
| Auto/Home Insurance | For having both your home and car insured with Pekin. |
| Defensive Driver | For customers aged 55 or older who have completed a defensive driving course. Not available in Wisconsin and Indiana. |
| EFT | Save by making recurring Electronic Fund Transfer (EFT) payments |
| Good Student | For drivers under 25 years of age with a GPA of 3.0 or better. |
| Paid-In-Full | Save money by paying your premium’s policy term in total. |
| Available Coverages; | Coverage Enhancements: |
|---|---|
| Bodily Injury | Uninsured Motorist Property Damage (Not available in AZ) |
| Property Damage | Cycle Guard includes: Trip Interruption, Additional Towing Expense, Fire Department Service Charge (N/A in AZ), Key Replacement, Tire Protection, Deductible Waiver, Safety Apparel, and Personal Effects. |
| Passenger Liability | Excess Electronic Equipment |
| Medical Payments | Excess Custom Equipment |
| Uninsured/Underinsured Motorist | Replacement Cost Coverage for New Motorcycles |
| Comprehensive | Safety Apparel |
| Collision | - |
| Available Coverage | Enhanced Coverage |
|---|---|
| Universal Life Insurance | Long Term Care Rider |
| Term Life | Guaranteed Insurability Benefit |
| Preferred Whole Life | Children’s Term Insurance |
| Simplified Issue Whole Life | Identity Fraud Protection Services |
| Graded Death Benefit Whole Life | Accidental Death Benefit |
| Transitional Life | Waiver of Premium Benefit |
| Funeral Pre-planning | Disability Income |
| Credit Insurance and Debt Protection | Accelerated Death Benefit |
3.3
Reviews
Pekin is Good
Homeowners insurance review
Customer Service is great. Claims are processed in a timely manner. Highly recommend. Rates are competitive based on the price comparisons we have done.
Would not recommend
Homeowners insurance review
We went through a tornado in March of 2022. They made promises they didn’t keep and wanted to fix the cosmetic damage of the house and not the structural damage. We have been fighting them for about a year and a half now as we live in a shed. They drug their feet and made everything take so much longer than it needed to. They don’t really care about what you are going through, just saving themselves money.
Great company. Highly Recommend
Car insurance review
Website Portal is easy to use. Billing is simple and easy to navigate. Great coverages, low deductibles and great premiums.
Car insurance review
I turned in the claim thru my agent took them 2 days to even get a response. Adjuster came out, looked at it and was all but useless. Turned in list of claimed items. They have a company that values your things. They go to dollar tree for prices of anything they can to keep from paying. Spent 6 months getting paid for everything lost and still had to call every couple of days to ensure they were reviewing the paperwork.
Frequently Asked Questions
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Which states does Pekin Insurance sell in?
Pekin sells its insurance products in Arizona, Illinois, Indiana, Iowa, Kentucky, Michigan, Missouri, Ohio, and Wisconsin. Among these states, you can only buy Pekin auto insurance in Arizona, Illinois, Indiana, Iowa, Ohio, and Wisconsin.
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Can I get gap insurance from Pekin Insurance?
Pekin provides gap insurance coverage, which can be purchased to cover the difference between what your car is worth and what you still owe on it, in the event that your car is declared a total loss.
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Is it better to go with Pekin’s whole life insurance?
Deciding between whole life insurance and term life insurance depends on your personal situation, including your health status and affordability. Connect with an agent who can provide quotes for different plans. Comparing potential plans side-by-side can help determine which type of life insurance works best for providing coverage for your family.
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