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 scoreGEICO avg. annual premiumErie 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
InfractionGEICO avg. annual premiumErie 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 bracketGEICO avg. annual premiumErie 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 ComparisonGEICOErie
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 ComparisonGEICOErie
Financial Strength SuperiorSuperior
JD Power Rankings Above averageAbove average
User Satisfaction 4.4/54.4/5
Other ProductsGEICOErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOErie
AboutGEICO 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 AssistanceYou 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 DiscountsGEICO 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 QuestionsI 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
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