Allstate vs. Erie insurance

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Allstate vs. Erie insurance

Allstate
$176/mo

Average price per month

4.0 Rating from The Zebra

Erie
$81/mo

Average price per month

5.0 Rating from The Zebra

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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 SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

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Other FeaturesAllstateErie
AboutAllstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.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 AssistanceEvery Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.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.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
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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.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
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