Auto Insurance Comparison
Pekin vs Foremost
Side-by-side comparison of Pekin vs Foremost auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Pekin edges ahead Foremost 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 | Foremost | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing non-standard auto, RV, motorcycle, and seasonal-property coverage |
| Read full review | Pekin review → | Foremost review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Foremost |
|---|---|---|
| Customer experience | 4.00 | 3.60 |
| Coverage breadth | 3.80 | 3.80 |
| Affordability | 3.70 | 3.50 |
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
Foremost
Full review →Pros
- Strong specialty positioning for manufactured homes, RVs, and motorcycles
- Backed by Farmers financial strength
- Accepts non-standard auto risk
- Available across all 50 states for at least some lines
Cons
- Not a fit for standard-risk auto shoppers
- Customer satisfaction trends mid-pack
- Best for specialty lines, not mainstream auto
Coverage at a glance
What each carrier offers in standard policies.
Pekin
Foremost
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 reviewForemost
Foremost makes sense for specialty needs — manufactured-home, RV, motorcycle — or non-standard auto. For mainstream auto coverage, look at GEICO, Progressive, or Farmers' main book.
Read the full Foremost 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.