American Family vs Erie: Which is Better for You?

Compare rates from the top car insurance companies in your area.

Location pin icon
No junk mail. No spam calls. Free quotes.

American Family or Erie: Which company is best for you?

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.

Seeking additional insights? Check out our comprehensive reviews of American Family and Erie.


American Family vs. Erie: by credit level

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
Fair (580-669) $1,294 $1,040
Good (670-739) $1,220 $894
Very Good (740-799) $1,009 $743
Exceptional (800-850) $941 $726

American Family vs. Erie: by citation

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
DUI/DWI $1,857 $1,163
Reckless driving $1,857 $760
Speeding ticket $1,270 $747

American Family vs. Erie: by age

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
Teens $3,810 $2,238
20s $1,685 $1,108
30s $1,101 $1,108
40s $1,089 $755
50s $1,089 $692
60s $986 $676

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
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported supported
Good Driver supported 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
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison American Family Erie
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Above average Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products American Family Erie
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
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.
Top States Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia