AAA vs Erie

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Auto Club (AAA) or Erie:
Which Company is Best for You?

Deciding on a car insurance company is complex: the rates each insurer offers can vary widely by driving record, age, and location, and every company's discounts vary. AAA and Erie are two of the most popular insurers, selling affordable insurance policies across most of the US.

In an effort to simplify the comparison process, we collected average rates from Erie and AAA. These take into account a number of rating factors, including credit quality, driving history, and demographics. Compare rates and find the perfect policy for you.

Go in-depth: Check out our comprehensive reviews of AAA and Erie.

 

AAA vs. Erie: premium comparison

 

AAA vs. Erie: rates by credit level

If you have very bad credit, Erie could be preferable to AAA. On average, Erie offers better premiums than AAA for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800 or better — should favor View common insurance rates by credit tier for Erie and AAA below.

 
RATES BY CREDIT SCORE: ERIE VS. AAA
Credit levelAAA avg. annual premiumErie avg. annual premium
Very Poor (300-579)$6,569$2,402
Fair (580-669)$4,023$1,040
Good (670-739)$3,723$894
Very Good (740-799)$3,004$743
Exceptional (800-850)$2,814$726
 

AAA vs. Erie: high-risk insurance rate comparison

If you're dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your driving résumé, Erie could be a better choice than AAA. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurer suits you.

 
RATES BY CITATION: ERIE VS. AAA
ViolationAAA avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$4,078$893
At-fault accident (damage > $1,000)$4,002$772
DUI/DWI$5,530$1,163
Reckless driving$5,530$760
Speeding ticket$4,078$747
 

AAA vs. Erie: rates by age

Car insurance companies use a driver's age to outline potential risk, pricing premiums accordingly. Insurance is often most expensive for teens — because of their inexperience — and more affordable for drivers aged 25 or older. Since each insurance company rates ages in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Erie over AAA: the former's average annual rates are $8,018 less than the latter's..

 
AGE BRACKET INSURANCE RATE COMPARISON: ERIE VS. AAA
AgeAAA avg. annual premiumErie avg. annual premium
Teens$10,256$2,238
20s$4,644$1,108
30s$3,248$1,108
40s$3,195$755
50s$3,083$692
60s$2,887$676
 

Costs aside, there are myriad pros and cons of both AAA and Erie, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonAuto Club (AAA)Erie
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 ComparisonAuto Club (AAA)Erie
Financial Strength SuperiorSuperior
JD Power Rankings Below averageAbove average
User Satisfaction 4.2/54.2/5
Other ProductsAuto Club (AAA)Erie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Erie
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.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 AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.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 DiscountsAAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.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 a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory, are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
See More Questions
Will filing a claim for uninsured driver property damages with my insurance company raise my premiums?
Sorry to hear about the hit and run. Filing an uninsured motorist claim should not affect your rates.
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.
Do I have to keep insurance on my car in Pennsylvania while it is in storage?
If the vehicle isn't being driven then technically you do not have to insure it. The state of Pennsylvania may suspend the registration of the vehicle when they realize that it is no longer insured so you should probably contact your local registration office to cancel your tag.
See More Questions
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