AAA vs Erie: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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: 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.
INSURER RATES BY CREDIT SCORE: ERIE VS. AAA
| Credit level | AAA avg. annual premium | Erie 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: by citation
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.
INSURER RATES BY VIOLATION: ERIE VS. AAA
| Violation | AAA avg. annual premium | Erie 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: 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.
INSURER RATES BY AGE: ERIE VS. AAA
| Age | AAA avg. annual premium | Erie 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 Comparison | Auto Club (AAA) | Erie |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full |
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| Home Owner | ||
| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage |
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| Military |
| Ratings Comparison | Auto Club (AAA) | Erie |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Below average | Excellent |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Auto Club (AAA) | Erie |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Auto Club (AAA) | Erie |
|---|---|---|
| About | Auto 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 Assistance | AAA 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 Discounts | AAA 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. |
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