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 | N/A |
| JD Power Rankings | Above average | N/A |
| User Satisfaction | 4.5/5 | 4.5/5 |
| 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 |