Picking a car insurance company is difficult: rates can vary by driving record, age, and location, and insurers offer a variety of perks. GEICO and Erie are two of the most popular auto insurance companies, selling affordable policies in most American states.
To help make insurance shopping seamless, we gathered typical costs from Erie and GEICO. These cover myriad rating factors, including credit, driving history, and demographics. Examine these rates and find your next car insurance policy today.
Seeking more info? Check out our full reviews of GEICO and Erie.
If you have very bad credit, GEICO could be the best option for you. On average, GEICO offers cheaper rates than Erie for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should lean toward Check out typical insurance costs by credit score for Erie and GEICO below.
| Credit score | GEICO avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $2,051 | $2,402 |
| Fair (580-669) | $1,358 | $1,040 |
| Good (670-739) | $1,485 | $894 |
| Very Good (740-799) | $1,120 | $743 |
| Exceptional (800-850) | $1,064 | $726 |
If you've got an at-fault crash, speeding ticket, reckless driving citation, or DWI on your driving record, Erie could be a better choice than GEICO. Each car insurance company prices its policies differently, so don't hesitate to shop around to understand which insurer is best for you.
| Infraction | GEICO avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $893 |
| At-fault accident (damage > $1,000) | $1,580 | $772 |
| DUI/DWI | $2,550 | $1,163 |
| Reckless driving | $2,238 | $760 |
| Speeding ticket | $1,395 | $747 |
Insurance companies rely on age to estimate risk, pricing premiums accordingly. Insurance is commonly most expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every auto insurance company rates ages in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose Erie over GEICO: the former's average annual rates are $1,270 less than the latter's..
| Age bracket | GEICO avg. annual premium | Erie avg. annual premium |
| Teens | $3,508 | $2,238 |
| 20s | $1,438 | $1,108 |
| 30s | $1,218 | $1,108 |
| 40s | $1,189 | $755 |
| 50s | $1,160 | $692 |
| 60s | $1,065 | $676 |
Affordability aside, GEICO and Erie come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | GEICO | Erie |
|---|---|---|
| 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 | GEICO | Erie |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Erie |
|---|---|---|
| About | GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers. | 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 | You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire. | 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 | GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. | 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 Questions |
I made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim.
However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
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
|
| Compare More | GEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA | Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia |