Deciding on a car insurance company is complex: companies' rates differ by location, vehicle, and driving record, and every company's discounts vary. Farmers and Erie are two of the US' most popular insurers, selling affordable policies across most of America.
In an effort to simplify the insurance-shopping process, we've gathered typical prices from Erie and Farmers. The below rates cover a variety of pricing components, including credit rating, driving history, and age. Examine these figures and find an affordable policy today.
If you have very bad credit, Erie could be preferable to Farmers. On average, Erie offers cheaper prices than Farmers for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should opt for Check out average insurance rates by credit tier for Erie and Farmers below.
|Credit level||Farmers avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$2,633||$2,402|
|Very Good (740-799)||$1,459||$743|
If you are carrying an at-fault crash, speeding violation, reckless driving violation, or DUI offense in your recent history, Erie could be a better choice than Farmers. Every auto insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to figure out which insurance company suits you.
|Violation||Farmers avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$893|
|At-fault accident (damage > $1,000)||$1,699||$772|
Insurance companies rely on a driver's age to outline potential risk, assigning rates on a sliding scale. A car insurance policy is typically more expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company rates ages differently, it's worth doing some comparison shopping.
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..
|Age bracket||Farmers avg. annual premium||Erie avg. annual premium|
Setting aside cost, there are myriad pros and cons of both Farmers and Erie, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||5 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Farmers 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 Assistance||Farmer'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 Discounts||Farmers 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 Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
Does Farmers allow exclusions?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
Will my farmers insurance cover my towing off the the NJ turnpike
Can I exclude my boyfriend on my Farmer’s car insurance policy?...
Will insurance cover someone other than the insured?
Car was towed to the nearest exit off of the turnpike...
See More Questions
My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...
|Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
See More Questions
Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||Farmers 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. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA||Erie 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. 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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