Farmers vs Erie: Which is Better for You?

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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: by credit level

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
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: by citation

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
DUI/DWI $3,239 $1,163
Reckless driving $4,636 $760
Speeding ticket $2,045 $747

Farmers vs. Erie: by age

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
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 Comparison Farmers Erie
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison Farmers Erie
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Excellent Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers Erie
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Farmers Erie
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.
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