Allstate vs Erie

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Allstate or Erie:
Which Company is Best for You?

Choosing a car insurance company can be tricky: companies' rates may vary based on your location, age, and driving history, and every company's discounts differ. Allstate and Erie are counted among the US' most popular auto insurance companies, offering high-quality insurance policies across most of America.

In an effort to simplify the insurance-shopping process, we have gathered average rates from Erie and Allstate. These take into account a variety of rating factors, including credit quality, driving record, and age. Check out the below rates and find your next car insurance policy today.

Looking for more information? Read our full reviews of Allstate and Erie.

 

Allstate vs. Erie: premium comparison

 

Allstate vs. Erie: by credit level

If you have very poor credit, Erie could be a better option for you. Typically, Erie offers cheaper rates than Allstate for prospective clients with credit scores of less than 580. Drivers with excellent credit — a score of 800 or higher — should lean toward Check out common insurance rates by credit level for Erie and Allstate:

 
CREDIT SCORE INSURANCE RATE COMPARISON: ERIE VS. ALLSTATE
Credit levelAllstate avg. annual premiumErie avg. annual premium
Very Poor (300-579)$3,117$2,402
Fair (580-669)$2,162$1,040
Good (670-739)$2,021$894
Very Good (740-799)$1,820$743
Exceptional (800-850)$1,743$726
 

Allstate vs. Erie: rates for bad drivers

If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI on your record, Erie could be a better choice than Allstate. Every insurance company prices its policies differently, so don't be afraid to shop around to find out which insurer suits you.

 
HIGH-RISK INSURANCE RATE COMPARISON: ERIE VS. ALLSTATE
InfractionAllstate avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$3,006$893
At-fault accident (damage > $1,000)$2,290$772
DUI/DWI$3,637$1,163
Reckless driving$3,388$760
Speeding ticket$2,256$747
 

Allstate vs. Erie: rates by age

Insurers use a driver's age to outline potential risk, pricing premiums accordingly. An insurance policy is commonly priciest for drivers younger than 25 — due to their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices age brackets uniquely, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Erie instead of Allstate: the former's average annual rates are $4,204 less than the latter's..

 
RATES BY AGE BRACKET: ERIE VS. ALLSTATE
Age bracketAllstate avg. annual premiumErie avg. annual premium
Teens$6,442$2,238
20s$2,636$1,108
30s$1,920$1,108
40s$1,912$755
50s$1,893$692
60s$1,768$676
 

Affordability aside, Allstate and Erie each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonAllstateErie
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 ComparisonAllstateErie
Financial Strength ExcellentSuperior
JD Power Rankings AverageAbove average
User Satisfaction 4.3/54.3/5
Other ProductsAllstateErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateErie
AboutInsurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.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 AssistanceAllstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).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 DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.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 you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.
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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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