GEICO vs Erie Car Insurance

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GEICO or Erie:
Which Company is Best for You?

Choosing a car insurance company can be complicated: companies' rates vary by driving record, location, and age, and insurers offer a variety of perks. GEICO and Erie are among America's most popular insurance companies, providing competitively priced policies across most of America.

To help simplify the insurance-shopping process, we have gathered average insurance premiums from Erie and GEICO. These rates cover myriad pricing components, including credit history, driving history, and age. Examine these figures and find an affordable policy today.


GEICO vs. Erie: insurance rate comparison


GEICO vs. Erie: prices by credit level

If you have very bad credit, GEICO could be a better option for you. Typically, GEICO offers better rates than Erie for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should consider Check out average insurance rates by credit score for Erie and GEICO below.


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: rates after infractions

If you have an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, Erie could be a better choice than GEICO. Each car insurance company enacts rate penalties differently, so don't hesitate to shop around to find out which insurer suits you.


RATES BY VIOLATION: Erie VS. GEICO
ViolationGEICO 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 use age as an indicator of potential risk, assigning rates accordingly. Insurance is commonly expensive for drivers younger than 25 — due to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company prices age tiers differently, it's worth comparing rates and shopping around.

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


RATES BY AGE: Erie VS. GEICO
AgeGEICO 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

Finances aside, GEICO and Erie each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

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
3 out of 5
5 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
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 QuestionsCan I get accident forgiveness after an accident?

I had an accident in February at a two-way intersection where I had stopped and entered into the intersection and ...

Does State Farm match auto insurance quotes with other companies?

In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...

Will a hit and run impact my car insurance premium in CA?

My car was hit while parked, there is a scratch and dent. If I report it will it affect my ...

Will Geico increase my rates if I file a windshield claim?

Not further question....

See More Questions
Will Erie reinstate my policy after non-payment?

I have had Erie for 31 years..2 home owners and also auto...

I was injured in a car accident two months ago, can I still file a claim?

I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...

How long can an insurance company wait to pay out your claim?

In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...

See More Questions
Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO 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. Farmers Erie vs. Foremost 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
Additional Resources:

GEICO vs Erie

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