Deciding on a car insurance company can be tough: the rates each insurer offers can vary widely by driving history, age, and location, and insurers offer a variety of perks. Erie and Allied are among the most popular auto insurance companies, providing competitively priced policies in most American states.
In an effort to simplify the process of comparing insurance companies, we have gathered average rates from Allied and Erie. These take into consideration an array of pricing factors, including credit rating, driving history, and age. Examine these rates and find an affordable policy today.
Seeking more information? Check out our full reviews of Erie and Allied.
If you have very bad credit, Allied could be a better option for you. Typically, Allied offers more affordable rates than Erie for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should opt for Erie, which typically beats Allied by $131 per year. Check out typical insurance rates by credit level for Allied and Erie below.
| Credit score | Erie avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $2,402 | $1,483 |
| Fair (580-669) | $1,040 | $1,097 |
| Good (670-739) | $894 | $1,104 |
| Very Good (740-799) | $743 | $920 |
| Exceptional (800-850) | $726 | $857 |
If you are dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your résumé, Erie could be a better choice than Allied. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer suits you.
| Citation | Erie avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $893 | $1,662 |
| At-fault accident (damage > $1,000) | $772 | $1,221 |
| DUI/DWI | $1,163 | $2,708 |
| Reckless driving | $760 | $2,708 |
| Speeding ticket | $747 | $1,232 |
Insurance companies rely on age as an indicator of potential risk, pricing policies accordingly. A car insurance policy is usually more expensive for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Erie instead of Allied: Erie offers average yearly savings of $1,288 versusAllied.
| Age | Erie avg. annual premium | Allied avg. annual premium |
| Teens | $2,238 | $3,526 |
| 20s | $1,108 | $1,392 |
| 30s | $765 | $1,392 |
| 40s | $755 | $959 |
| 50s | $692 | $915 |
| 60s | $676 | $832 |
Aside from affordability, there are myriad pros and cons of both Erie and Allied, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | Erie | Allied |
|---|---|---|
| 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 Comparison | Erie | Allied |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Erie | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Erie | Allied |
|---|---|---|
| About | 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. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| Roadside Assistance | 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. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | 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. | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent 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. 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. See More Questions | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions |
| Compare More | Erie vs. 21st Century Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA | Allied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. Safe Auto Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied vs. USAA |
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