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Choosing a car insurance company is complex: rates can fluctuate by driving history, location, and age, and every company provides a different set of discounts. Auto Club (AAA) and Erie are two of the top car insurance companies, offering high-quality policies across many states.
In an effort to simplify the process of comparing insurance companies, we've gathered average policy prices from Erie and Auto Club (AAA). These take into account myriad rating factors, including credit rating, driving infractions, and age. Take a look at these rates and find your next car insurance policy today.
If you have very poor credit, Erie could be a better option for you. Typically, Erie offers more affordable rates than Auto Club (AAA) for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should favor View typical insurance costs by credit level for Erie and Auto Club (AAA) below.
|Credit level||Auto Club (AAA) avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$6,569||$2,402|
|Very Good (740-799)||$3,004||$743|
If you're saddled with an at-fault accident, speeding violation, reckless driving violation, or DUI in your rear view mirror, Erie could be a better choice than Auto Club (AAA). Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer is best for you.
|Citation||Auto Club (AAA) avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$893|
|At-fault accident (damage > $1,000)||$4,002||$772|
Insurers rely on a driver's age to estimate risk, assigning rates accordingly. Auto insurance is usually most expensive for beginning and young drivers — thanks to their inexperience — and most affordable for older drivers. Because each insurance company prices age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Erie before Auto Club (AAA): the former's average annual rates are $8,018 less than the latter's..
|Age tier||Auto Club (AAA) avg. annual premium||Erie avg. annual premium|
Setting aside cost, Auto Club (AAA) and Erie each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Auto Club (AAA)||Erie|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Erie|
|JD Power Rankings|
|Other Products||Auto Club (AAA)||Erie|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||Erie|
|About||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.||Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.|
|Roadside Assistance||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.||Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.|
|Additional Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.|
|Compare More||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
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