Farmers vs. Erie

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Farmers or Erie:
Which Company is Best for You?

Choosing a car insurance company can be hard: rates can vary based on your location, age, and driving history, and insurers offer a variety of perks. Farmers and Erie are two of the nation's most popular insurance companies, providing competitively priced policies across large portions of America.

In an effort to take the sting out of shopping for car insurance, we've collected average policy rates from Erie and Farmers. The below rates cover a variety of rating factors, including credit rating, driving history, and age. Take a look at these rates and find the perfect policy for you.

Go in-depth: Read full-length reviews of Farmers and Erie.

 

Farmers vs. Erie: premium comparison

 

Farmers vs. Erie: pricing by credit score

If you have very poor credit, Erie could be preferable to Farmers. On average, Erie offers better rates than Farmers for prospective clients with credit scores of less than 580. Those with exceptional credit — a score of 800 or higher — should lean toward View average insurance costs by credit level for Erie and Farmers below.

 
CREDIT SCORE INSURANCE RATE COMPARISON: ERIE VS. FARMERS
Credit levelFarmers avg. annual premiumErie avg. annual premium
Very Poor (300-579)$2,633$2,402
Fair (580-669)$1,736$1,040
Good (670-739)$1,882$894
Very Good (740-799)$1,459$743
Exceptional (800-850)$1,354$726
 

Farmers vs. Erie: costs for high-risk drivers

If you're dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your driving record, Erie could be a better choice than Farmers. Each auto insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: ERIE VS. FARMERS
ViolationFarmers avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$2,334$893
At-fault accident (damage > $1,000)$1,699$772
DUI/DWI$3,239$1,163
Reckless driving$4,636$760
Speeding ticket$2,045$747
 

Farmers vs. Erie: rates by age bracket

Auto insurance companies rely on age to outline risk potential, pricing policies accordingly. Auto insurance is often most expensive for drivers younger than 25 — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Erie over Farmers: the former's average annual rates are $4,280 less than the latter's..

 
RATES BY AGE BRACKET: ERIE VS. FARMERS
Age bracketFarmers avg. annual premiumErie avg. annual premium
Teens$6,518$2,238
20s$2,020$1,108
30s$1,543$1,108
40s$1,511$755
50s$1,507$692
60s$1,402$676
 

Aside from affordability, Farmers and Erie both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmersErie
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 ComparisonFarmersErie
Financial Strength ExcellentSuperior
JD Power Rankings Below averageAbove average
User Satisfaction 4.3/54.3/5
Other ProductsFarmersErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersErie
About
Roadside Assistance
Additional DiscountsFarmers offers an additional discount for seniors.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.
Recent QuestionsShould senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
See More 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.
See More Questions
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