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Last reviewed: May 20, 2026

Auto Insurance Review

Published: May 20, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Pekin Auto Insurance Review

Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint. Agent-distributed and policyholder-owned, it competes on service depth rather than price. Strongest market is Illinois; less competitive in its other states.

Headquarters
2505 Court Street, Pekin, Illinois 61558
Website
www.pekininsurance.com
Phone
800-322-0160

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Key takeaways

Pekin Insurance is an Illinois-based mutual operating in Illinois, Indiana, Iowa, Ohio, and Wisconsin.

— QuoteYeti editorial team
  1. 02 Agent-distributed regional carrier with solid Midwest claims-handling reputation.
  2. 03 Mid-market pricing; competitive specifically in its Illinois home market.

Pekin ratings

Overall score
Customer experience 4.00/5
Coverage breadth 3.80/5
Affordability 3.70/5

Pros and cons

Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.

What's working

  • Top pro 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

What's not

  • Top con 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

Our verdict

The bottom line

Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
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