Auto Insurance Comparison
Pekin vs Selective
Side-by-side comparison of Pekin vs Selective auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Pekin is essentially tied with Selective 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 | Selective | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.85 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | Selective Insurance is a Northeast-rooted multi-line carrier where personal auto sits alongside a substantial commercial book |
| Read full review | Pekin review → | Selective review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Selective |
|---|---|---|
| Customer experience | 4.00 | 3.90 |
| Coverage breadth | 3.80 | 4.00 |
| Affordability | 3.70 | 3.60 |
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
Selective
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Multi-line bundling potential including commercial coverage
- Independent agent distribution with shopping flexibility
- Solid financial strength
Cons
- Geographic limitation — Northeast/Mid-Atlantic focus
- No online quoting — independent agents only
- Mid-market pricing in a competitive region
Coverage at a glance
What each carrier offers in standard policies.
Pekin
Selective
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 reviewSelective
Selective is a fine regional choice in the Northeast and Mid-Atlantic, particularly for buyers bundling personal and commercial lines through an independent agent.
Read the full Selective 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.