GEICO vs Erie Car Insurance

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GEICO or Erie:
Which Company is Best for You?

Picking a car insurance company is difficult: rates can vary by driving record, age, and location, and insurers offer a variety of perks. GEICO and Erie are two of the most popular auto insurance companies, selling affordable policies in most American states.

To help make insurance shopping seamless, we gathered typical costs from Erie and GEICO. These cover myriad rating factors, including credit, driving history, and demographics. Examine these rates and find your next car insurance policy today.

Seeking more info? Check out our full reviews of GEICO and Erie.


GEICO vs. Erie: premium comparison


GEICO vs. Erie: by credit level

If you have very bad credit, GEICO could be the best option for you. On average, GEICO offers cheaper rates than Erie for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should lean toward Check out typical insurance costs by credit score for Erie and GEICO below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Erie VS. GEICO
Credit scoreGEICO avg. annual premiumErie avg. annual premium
Very Poor (300-579)$2,051$2,402
Fair (580-669)$1,358$1,040
Good (670-739)$1,485$894
Very Good (740-799)$1,120$743
Exceptional (800-850)$1,064$726

GEICO vs. Erie: high-risk driver rates

If you've got an at-fault crash, speeding ticket, reckless driving citation, or DWI on your driving record, Erie could be a better choice than GEICO. Each car insurance company prices its policies differently, so don't hesitate to shop around to understand which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Erie VS. GEICO
InfractionGEICO avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$1,857$893
At-fault accident (damage > $1,000)$1,580$772
DUI/DWI$2,550$1,163
Reckless driving$2,238$760
Speeding ticket$1,395$747

GEICO vs. Erie: rates by age

Insurance companies rely on age to estimate risk, pricing premiums accordingly. Insurance is commonly most expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every auto insurance company rates ages in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose Erie over GEICO: the former's average annual rates are $1,270 less than the latter's..


AGE BRACKET INSURANCE RATE COMPARISON: Erie VS. GEICO
Age bracketGEICO avg. annual premiumErie avg. annual premium
Teens$3,508$2,238
20s$1,438$1,108
30s$1,218$1,108
40s$1,189$755
50s$1,160$692
60s$1,065$676

Affordability aside, GEICO and Erie come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonGEICOErie
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 ComparisonGEICOErie
Financial Strength SuperiorSuperior
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

N/A

A+

Other ProductsGEICOErie
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Life Insurance
Homeowners Insurance
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Renters Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOErie
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.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 AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.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 DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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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.
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GEICO vs Erie

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