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.
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 level | Erie avg. annual premium | Safe 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 |
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.
| Violation | Erie avg. annual premium | Safe Auto avg. annual premium |
| At-fault accident (damage < $1,000) | $893 | $2,867 |
| At-fault accident (damage > $1,000) | $772 | $2,837 |
| DUI/DWI | $1,163 | $2,867 |
| Reckless driving | $760 | $2,867 |
| Speeding ticket | $747 | $2,738 |
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.
| Age tier | Erie avg. annual premium | Safe Auto avg. annual premium |
| Teens | $2,238 | $8,262 |
| 20s | $1,108 | $2,764 |
| 30s | $765 | $2,764 |
| 40s | $755 | $2,053 |
| 50s | $692 | $1,862 |
| 60s | $676 | $1,707 |
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 Comparison | Erie | Safe 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Erie | Safe Auto |
|---|---|---|
| Financial Strength | Superior | Good |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Erie | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Erie | Safe Auto |
|---|---|---|
| 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. | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. |
| 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. | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. |
| 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. | 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 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 | 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. Who is at-fault when parking spot stopper had bolts sticking out of it?Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible. If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver. Do car insurance companies share information?The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record. See More Questions |
| Compare More | Erie vs. 21st Century Erie vs. Allied 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. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA | Safe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA |
| States Offered | Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia | Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia |