Auto Insurance Comparison
Pekin vs Farmers
Side-by-side comparison of Pekin vs Farmers auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Pekin edges ahead Farmers in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Pekin | Farmers | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.70 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage |
| Read full review | Pekin review → | Farmers review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Farmers |
|---|---|---|
| Customer experience | 4.00 | 3.70 |
| Coverage breadth | 3.80 | 4.20 |
| Affordability | 3.70 | 3.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
Coverage at a glance
What each carrier offers in standard policies.
Pekin
Farmers
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin reviewFarmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.