AAA vs Erie: Which is Better for You?

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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: 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.

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.

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.

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 supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum
Advanced Purchase supported
Pay in Full supported supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage supported
Ratings Comparison Auto Club (AAA) Erie
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Below average Excellent
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) Erie
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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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