State Farm vs Erie Car Insurance

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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.


Compare State Farm vs. Erie auto insurance rates


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.


RATES BY CREDIT LEVEL: Erie VS. State Farm
Credit levelState Farm avg. annual premiumErie 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

State Farm vs. Erie: rates for bad drivers

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.


RATES BY VIOLATION: Erie VS. State Farm
ViolationState Farm avg. annual premiumErie 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

State Farm vs. Erie: rates by age bracket

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..


RATES BY AGE: Erie VS. State Farm
Age tierState Farm avg. annual premiumErie 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

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 ComparisonState FarmErie
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 ComparisonState FarmErie
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 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 ProductsState FarmErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmErie
AboutGet 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 AssistanceState 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 DiscountsState 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.
Recent QuestionsMy 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.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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
Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. Safeco State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm 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. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. Safe Auto Erie vs. Safeco Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
Additional Resources:

State Farm vs Erie

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