Auto Insurance Comparison
Quick verdict
Pekin edges ahead Sentry 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 | Sentry | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | Sentry Insurance is a major Wisconsin-based mutual whose primary business is commercial insurance — fleet, business owners, group programs |
| Read full review | Pekin review → | Sentry review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Sentry |
|---|---|---|
| Customer experience | 4.00 | 3.80 |
| Coverage breadth | 3.80 | 3.90 |
| 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
Sentry
Full review →Pros
- Strong financial strength and Wisconsin-mutual heritage
- Solid claims-handling reputation across all lines
- Group programs and affiliations can produce competitive rates
- Multi-line bundling when combined with business or other Sentry products
Cons
- Personal auto is a smaller focus than commercial lines
- Limited geographic availability for personal auto
- Less brand recognition in personal lines than national carriers
Coverage at a glance
What each carrier offers in standard policies.
Pekin
Sentry
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 reviewSentry
Sentry's personal auto makes sense primarily if you already have a relationship through commercial or group programs. As a standalone personal-auto carrier, mainstream options will typically fit better.
Read the full Sentry 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.