State Farm vs Erie: Which is Better for You?
Compare rates from the top car insurance companies in your area.
State Farm or Erie: Which company is best for you?
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.
Looking for more information? Consult our comprehensive reviews of State Farm and Erie.
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State Farm vs. Erie: by credit level
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.
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INSURER RATES BY CREDIT SCORE: ERIE VS. STATE FARM
| Credit level | State Farm avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $3,522 | $2,402 |
| Fair (580-669) | $2,003 | $1,040 |
| Good (670-739) | $1,613 | $894 |
| Very Good (740-799) | $1,451 | $743 |
| Exceptional (800-850) | $1,260 | $726 |
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State Farm vs. Erie: by citation
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.
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INSURER RATES BY VIOLATION: ERIE VS. STATE FARM
| 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 |
| DUI/DWI | $3,854 | $1,163 |
| Reckless driving | $2,895 | $760 |
| Speeding ticket | $1,983 | $747 |
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State Farm vs. Erie: by age
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.
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INSURER RATES BY AGE: ERIE VS. STATE FARM
| Age tier | State Farm avg. annual premium | Erie avg. annual premium |
| Teens | $5,820 | $2,238 |
| 20s | $2,379 | $1,108 |
| 30s | $1,585 | $1,108 |
| 40s | $1,587 | $755 |
| 50s | $1,558 | $692 |
| 60s | $1,485 | $676 |
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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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full |
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| Home Owner | ||
| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
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| Military |
| Ratings Comparison | State Farm | Erie |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Above average | Excellent |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | State Farm | Erie |
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| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| 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. |
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