Farmers vs Erie: Which is Better 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.

INSURER RATES BY CREDIT SCORE: ERIE VS. FARMERS

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.

INSURER RATES BY VIOLATION: ERIE VS. FARMERS

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..

INSURER RATES BY AGE: ERIE VS. FARMERS

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.