GEICO vs. Erie

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GEICO or Erie: Which Company is Best for You?

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.

 

GEICO vs. Erie: premium comparison

 

GEICO vs. Erie: by credit level

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.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: ERIE VS. GEICO
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
 

GEICO vs. Erie: high-risk driver rates

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.

 
HIGH-RISK INSURANCE RATE COMPARISON: ERIE VS. GEICO
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
 

GEICO vs. Erie: rates by age

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 INSURANCE RATE COMPARISON: ERIE VS. GEICO
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 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 supported
Student Away at School supported
Driver Training supported supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner
eSign or ePay
Telematics
New Vehicle supported
Annual Mileage
Military supported
Ratings Comparison GEICO Erie
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Average Excellent
User Satisfaction Question mark icon 4.4/5 4.4/5
Other Products GEICO 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 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 Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
See More Questions
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