American Family vs Erie Car Insurance

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American Family or Erie:
Which Company is Best for You?

Selecting an auto insurance company is complex: companies' rates vary based on your driving record, location, and age, and every company's discounts differ. American Family and Erie are counted among America's most popular insurers, providing competitively priced insurance policies across many states.

To help take the sting out of shopping for car insurance, we've gathered average rates from Erie and American Family. The below cover an array of rating factors, including credit rating, driving record, and demographics. Examine these rates and find the right policy for you.

Seeking additional insights? Check out our comprehensive reviews of American Family and Erie.


American Family vs. Erie: premium comparison


American Family vs. Erie: prices by credit level

If you have very poor credit, American Family could be the best option for you. On average, American Family offers lower rates than Erie for drivers with credit scores of lower than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward Check out common insurance costs by credit score for Erie and American Family below.


RATES BY CREDIT LEVEL: Erie VS. American Family
Credit levelAmerican Family avg. annual premiumErie avg. annual premium
Very Poor (300-579)$1,931$2,402
Fair (580-669)$1,294$1,040
Good (670-739)$1,220$894
Very Good (740-799)$1,009$743
Exceptional (800-850)$941$726

American Family vs. Erie: high-risk driver rates

If you're carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Erie could be a better choice than American Family. Each auto insurance company prices its policies differently, so don't be afraid to shop around to understand which insurance company suits you.


RATES BY CITATION: Erie VS. American Family
CitationAmerican Family avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$1,763$893
At-fault accident (damage > $1,000)$990$772
DUI/DWI$1,857$1,163
Reckless driving$1,857$760
Speeding ticket$1,270$747

American Family vs. Erie: rates by age

Car insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. Insurance is commonly expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since each insurance company prices age brackets uniquely, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Erie over American Family: the former's average annual rates are $1,572 less than the latter's..


RATES BY AGE: Erie VS. American Family
AgeAmerican Family avg. annual premiumErie avg. annual premium
Teens$3,810$2,238
20s$1,685$1,108
30s$1,101$1,108
40s$1,089$755
50s$1,089$692
60s$986$676

Finances aside, American Family and Erie each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonAmerican FamilyErie
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAmerican FamilyErie
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A

A+

Other ProductsAmerican FamilyErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAmerican FamilyErie
AboutAmerican Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.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 AssistanceAmerican Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).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 DiscountsNone AvailableErie 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.
Recent QuestionsWill Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
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American Family vs Erie

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