Erie vs. Safe Auto

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Erie or Safe Auto:
Which Company is Best for You?

Deciding on a car insurance company can be complicated: rates fluctuate based on your location, age, and driving history, and companies offer an array of perks. Erie and Safe Auto are counted among the most popular insurers, providing high-quality coverage across most of the US.

To help simplify the insurance-shopping process, we have collected average premiums from Safe Auto and Erie. The below cover a variety of rating factors, including credit, driving record, and age. Check out the below rates and find an affordable policy today.

Looking for in-depth analysis? Read our full reviews of Erie and Safe Auto.


Erie vs. Safe Auto: premium comparison


Erie vs. Safe Auto: pricing by credit score

If you have very bad credit, Erie could be preferable to Erie. On average, Erie offers more affordable rates than Safe Auto for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or higher — should opt for Erie, which typically beats Safe Auto by $1,195 per year. View common insurance costs by credit tier for Safe Auto and Erie below.

Credit levelErie avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,402$3,799
Fair (580-669)$1,040$2,483
Good (670-739)$894$3,358
Very Good (740-799)$743$1,937
Exceptional (800-850)$726$1,921

Erie vs. Safe Auto: costs for high-risk drivers

If you are saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense in your recent history, Erie could be a better choice than Safe Auto. Every auto insurance company prices its policies differently, so it's worth comparing quotes to find out which insurer suits you.

ViolationErie avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$893$2,867
At-fault accident (damage > $1,000)$772$2,837
Reckless driving$760$2,867
Speeding ticket$747$2,738

Erie vs. Safe Auto: rates by age bracket

Insurance companies rely on a driver's age to estimate risk, assigning rates on a sliding scale. Auto insurance is usually priciest for teens — due to their increased odds of being involved in an accident — and most affordable for older drivers. Since each insurance company rates age tiers differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Erie instead of Safe Auto: Erie offers average yearly savings of $6,024 versusSafe Auto.

RATES BY AGE: Safe Auto VS. Erie
Age tierErie avg. annual premiumSafe Auto avg. annual premium

Cost aside, there are myriad pros and cons of both Erie and Safe Auto, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonErieSafe Auto
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
New Vehicle
Annual Mileage
Ratings ComparisonErieSafe Auto
Financial Strength SuperiorN/A
JD Power Rankings Above averageN/A
User Satisfaction 4.5/54.5/5
Other ProductsErieSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesErieSafe Auto
Roadside Assistance
Additional DiscountsErie 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.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsWill 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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
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