Selecting an auto insurance company is complex: companies' rates vary based on your driving record, location, and age, and every company's discounts differ. American Family and Erie are counted among America's most popular insurers, providing competitively priced insurance policies across many states.
To help take the sting out of shopping for car insurance, we've gathered average rates from Erie and American Family. The below cover an array of rating factors, including credit rating, driving record, and demographics. Examine these rates and find the right policy for you.
If you have very poor credit, American Family could be the best option for you. On average, American Family offers lower rates than Erie for drivers with credit scores of lower than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward Check out common insurance costs by credit score for Erie and American Family below.
|Credit level||American Family avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$1,931||$2,402|
|Very Good (740-799)||$1,009||$743|
If you're carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Erie could be a better choice than American Family. Each auto insurance company prices its policies differently, so don't be afraid to shop around to understand which insurance company suits you.
|Citation||American Family avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$893|
|At-fault accident (damage > $1,000)||$990||$772|
Car insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. Insurance is commonly expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since each insurance company prices age brackets uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Erie over American Family: the former's average annual rates are $1,572 less than the latter's..
|Age||American Family avg. annual premium||Erie avg. annual premium|
Finances aside, American Family and Erie each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||American Family||Erie|
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|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Erie|
|JD Power Rankings|
|Other Products||American Family||Erie|
|Travel Trailer Insurance|
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|Other Features||American Family||Erie|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||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||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).||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||None Available||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||Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.See More Questions
|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.See More Questions
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