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 | Excellent | 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 |
| 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.
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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 deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
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