Nationwide vs Erie Car Insurance

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Nationwide or Erie:
Which Company is Best for You?

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.


Nationwide vs. Erie: insurance rate comparison


Nationwide vs. Erie: rates by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Erie VS. Nationwide
Credit levelNationwide avg. annual premiumErie 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

Nationwide vs. Erie: rates for high-risk drivers

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.


HIGH-RISK INSURANCE RATE COMPARISON: Erie VS. Nationwide
ViolationNationwide avg. annual premiumErie 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

Nationwide vs. Erie: rates by age

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..


RATES BY AGE: Erie VS. Nationwide
Age bracketNationwide avg. annual premiumErie 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 ComparisonNationwideErie
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 ComparisonNationwideErie
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsNationwideErie
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwideErie
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.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 AssistanceNationwide'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 DiscountsNationwide 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 QuestionsWhat'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 information
The 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.
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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
Compare MoreNationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAAErie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. North Star Mutual Erie vs. Progressive Erie vs. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
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Nationwide vs Erie

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