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Pemco motorcycle insurance review

Last updated:  

Stellar customer service has your back if you ride in Washington or Oregon.

finder.com's rating: 5 / 5

★★★★★

  • Get a quote if you have different policies to bundle.
  • Pick something else if you don’t live in Oregon or Washington.
  • Riders can insure most motorcycles and scooters.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served Oregon, Washington
Roadside assistance Optional
Accident forgiveness No
New car protection No
Pay schedule 6 months
Claims methods online
Rideshare coverage No
SR-22 support No

Pros

  • Wide range of discounts available.
  • Award-winning customer service.
  • Convenient mobile app.

Cons

  • Limited availability based on location.
  • Customer complaints of increased rates.
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount Yes
Usage-based discount No
Other discounts No

Expert review

Roslyn McKenna

Review by


Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on car, life, home and other insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Though it’s only available in Oregon and Washington, Pemco is still a viable choice for riders who want low insurance rates through a company known for its great customer service. You could qualify for a wide range of discounts to help you save.

However, you’re out of luck if you don’t live in those two states. So you might compare bike insurance with other companies instead. You might also face a rate hike even after being a loyal Pemco customer, though this isn’t unheard of from most insurers.

Overall, it’s worth getting an online quote to see if Pemco might be right for you.

What car insurance coverage does Pemco motorcycle insurance offer?

  • Bodily injury liability - No
  • Property damage liability - No
  • Uninsured motorist bodily injury - Yes
  • Uninsured motorist property damage - Yes
  • Personal injury - No
  • Medical payments - No
  • Collision - Yes
  • Comprehensive - Yes

What features does Pemco motorcycle insurance have?

  • Roadside assistance - Optional
  • Gap insurance - No
  • Rental cars - Yes
  • Pet injury - No
  • Rideshare - No
  • New car protection - No
  • SR22 - No
  • Nonowner coverage -
  • Temporary and short term - No

What car insurance discounts can I get with Pemco motorcycle insurance?

  • Anti-theft device discount - Yes
  • Bundling discount - Yes
  • Defensive driving discount - Yes
  • Good student discount - Yes
  • Loyalty discount - Yes
  • Homeowner discount - Yes
  • Military discount - No
  • Safety device discount - Yes
  • Special employment discount - Yes
  • Usage-based discount - No
  • Other discounts - No

Pros and cons of Pemco motorcycle insurance

Pros

  • Wide range of discounts available.
  • Award-winning customer service.
  • Convenient mobile app.

Cons

  • Limited availability based on location.
  • Customer complaints of increased rates.

How to apply for Pemco motorcycle insurance car insurance

  • Online
  • Phone
  • Agent

How to contact Pemco motorcycle insurance

  • Online
  • Phone

How to make a car insurance claim with Pemco motorcycle insurance

  • online

Compare alternatives to Pemco

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Frequently asked questions about Pemco motorcycle insurance

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