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 | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.5/5 | 4.5/5 |
| 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.
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