Allstate or Erie: Which Company is Best for You?
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 level | Allstate avg. annual premium | Erie 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
| Infraction | Allstate avg. annual premium | Erie 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 bracket | Allstate avg. annual premium | Erie 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 Comparison | Allstate | Erie |
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| Good Student |
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| Multiple Vehicles |
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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 | ||
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| Pay in Full |
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| Military |
| Ratings Comparison | Allstate | Erie |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Allstate | Erie |
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| Mobile Home Insurance |
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| Other Features | Allstate | Erie |
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| About | Insurance 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 Assistance | Allstate 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 Discounts | Allstate 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 Questions |
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.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
See More Questions
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