Selecting a car insurance company can be complicated: rates can vary by location, vehicle, and driving record, and every company provides a different set of discounts. Nationwide and Erie are among the US' most popular insurance companies, providing competitively priced policies across large portions of the US.
To simplify the insurance-shopping process, we've gathered average rates from Erie and Nationwide. The below cover a number of rating factors, including credit rating, driving record, and age. Check out the below rates and find the right policy for you.
Find out more: Check out our reviews of Nationwide and Erie.
If you have extremely bad credit, Nationwide could be the way to go. On average, Nationwide offers better premiums than Erie for drivers with credit scores of less than 580. Drivers with excellent credit — a score of 800 or higher — should lean toward Check out typical insurance rates by credit tier for Erie and Nationwide below.
| Credit level | Nationwide avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $1,593 | $2,402 |
| Fair (580-669) | $1,262 | $1,040 |
| Good (670-739) | $1,283 | $894 |
| Very Good (740-799) | $1,109 | $743 |
| Exceptional (800-850) | $1,037 | $726 |
If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, Erie could be a better choice than Nationwide. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to find out which insurer suits you.
| Violation | Nationwide avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $1,836 | $893 |
| At-fault accident (damage > $1,000) | $1,475 | $772 |
| DUI/DWI | $2,691 | $1,163 |
| Reckless driving | $2,508 | $760 |
| Speeding ticket | $1,469 | $747 |
Insurance companies use age to outline potential risk, pricing premiums accordingly. Car insurance is typically most expensive for young drivers — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Because every car insurance company prices ages differently, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Erie over Nationwide: the former's average annual rates are $1,386 less than the latter's..
| Age bracket | Nationwide avg. annual premium | Erie avg. annual premium |
| Teens | $3,624 | $2,238 |
| 20s | $1,582 | $1,108 |
| 30s | $1,163 | $1,108 |
| 40s | $1,151 | $755 |
| 50s | $1,114 | $692 |
| 60s | $1,028 | $676 |
Setting aside cost, Nationwide and Erie each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Nationwide | 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 | Nationwide | Erie |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Nationwide | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Nationwide | Erie |
|---|---|---|
| About | Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value. | 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 | Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. | 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 | Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. | 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 | What's the ADOT code for Nationwide The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014. Will an insurance company tell me if someone has paid a loan off?Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle. I was rear-ended but the driver drove off before we exchanged informationThe safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. If I hit an uninsured driver, can he go after me for damages?Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault. 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. I was injured in a car accident two months ago, can I still file a claim?The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed. How long can an insurance company wait to pay out your claim?Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout. If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report. See More Questions |
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