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.
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 level||Farmers avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$2,633||$2,402|
|Very Good (740-799)||$1,459||$743|
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.
|Violation||Farmers avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$893|
|At-fault accident (damage > $1,000)||$1,699||$772|
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..
|Age bracket||Farmers avg. annual premium||Erie avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Excellent||Excellent|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim service.||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.|
|Roadside Assistance||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.||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.|
|Additional Discounts||Farmers 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.|
Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.See More Questions
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