Farmers vs Erie Car Insurance

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Farmers or Erie:
Which Company is Best for You?

Choosing a car insurance company can be hard: rates can vary based on your location, age, and driving history, and insurers offer a variety of perks. Farmers and Erie are two of the nation's most popular insurance companies, providing competitively priced policies across large portions of America.

In an effort to take the sting out of shopping for car insurance, we've collected average policy rates from Erie and Farmers. The below rates cover a variety of rating factors, including credit rating, driving history, and age. Take a look at these rates and find the perfect policy for you.

Go in-depth: Read full-length reviews of Farmers and Erie.


Farmers vs. Erie: premium comparison


Farmers vs. Erie: pricing by credit score

If you have very poor credit, Erie could be preferable to Farmers. On average, Erie offers better rates than Farmers for prospective clients with credit scores of less than 580. Those with exceptional credit — a score of 800 or higher — should lean toward View average insurance costs by credit level for Erie and Farmers below.


CREDIT SCORE INSURANCE RATE COMPARISON: Erie VS. Farmers
Credit levelFarmers avg. annual premiumErie avg. annual premium
Very Poor (300-579)$2,633$2,402
Fair (580-669)$1,736$1,040
Good (670-739)$1,882$894
Very Good (740-799)$1,459$743
Exceptional (800-850)$1,354$726

Farmers vs. Erie: costs for high-risk drivers

If you're dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your driving record, Erie could be a better choice than Farmers. Each auto insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Erie VS. Farmers
ViolationFarmers avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$2,334$893
At-fault accident (damage > $1,000)$1,699$772
DUI/DWI$3,239$1,163
Reckless driving$4,636$760
Speeding ticket$2,045$747

Farmers vs. Erie: rates by age bracket

Auto insurance companies rely on age to outline risk potential, pricing policies accordingly. Auto insurance is often most expensive for drivers younger than 25 — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Erie over Farmers: the former's average annual rates are $4,280 less than the latter's..


RATES BY AGE BRACKET: Erie VS. Farmers
Age bracketFarmers avg. annual premiumErie avg. annual premium
Teens$6,518$2,238
20s$2,020$1,108
30s$1,543$1,108
40s$1,511$755
50s$1,507$692
60s$1,402$676

Aside from affordability, Farmers and Erie both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmersErie
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 ComparisonFarmersErie
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 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 ProductsFarmersErie
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Life Insurance
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Other FeaturesFarmersErie
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.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 AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.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.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
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Will 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
Compare MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAAErie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual 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. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
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Farmers vs Erie

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