Selecting an auto insurance company can be difficult: rates vary based on your location, age, and driving history, and companies offer an array of perks. State Farm and Erie are two of America's most popular insurers, offering competitively priced policies in most American states.
In an effort to take the sting out of shopping for car insurance, we have collected average rates from Erie and State Farm. These rates cover myriad rating factors, including credit history, driving history, and age. Examine these figures and find an affordable policy today.
If you have very poor credit, Erie could be a better option for you. On average, Erie offers lower premiums than State Farm for prospective clients 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 score for Erie and State Farm below.
|Credit level||State Farm avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$3,522||$2,402|
|Very Good (740-799)||$1,451||$743|
If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Erie could be a better choice than State Farm. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurance company suits you.
|Violation||State Farm avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$893|
|At-fault accident (damage > $1,000)||$1,524||$772|
Car insurance companies rely on a driver's age as an indicator of potential risk, assigning rates on a sliding scale. An insurance policy is typically priciest for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company evaluates age tiers uniquely, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Erie instead of State Farm: the former's average annual rates are $3,582 less than the latter's premiums.
|Age tier||State Farm avg. annual premium||Erie avg. annual premium|
Finances aside, State Farm and Erie each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||State Farm||Erie|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Erie|
|JD Power Rankings||Above average||Excellent|
|Other Products||State Farm||Erie|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Erie|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||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||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.||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||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||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.|
Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.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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