Picking an auto insurance company can be hard: the rates each insurer offers can vary widely by driving record, location, and age, and companies offer an array of perks. State Farm and Erie are two of the most popular auto insurance companies, providing affordable coverage in most states across the US.
To simplify the comparison process, we've gathered average policy rates from Erie and State Farm. These cover a variety of rating factors, including credit history, driving history, and age. Examine these figures and find your next car insurance policy today.
If you have very bad credit, Erie could be a better option for you. Typically, Erie offers more affordable rates than State Farm for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or better — should lean toward Check out common insurance rates by credit score for Erie and State Farm below.
|Credit score||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 are carrying an at-fault crash, ticket, reckless driving citation, or DUI on your driving résumé, Erie could be a better choice than State Farm. Each auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for 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|
Insurers use age to estimate risk, assigning rates accordingly. A car insurance policy is typically expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Because every insurance company rates age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Erie over State Farm: the former's average annual rates are $3,582 less than the latter's..
|Age||State Farm avg. annual premium||Erie avg. annual premium|
Aside from finances, State Farm and Erie both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|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||3 out of 5||5 out of 5|
|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.|
|Recent Questions||What’s max amount of cars allowed on state farm insurance policy?|
Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?
What’s the max amount of cars allowed on state farm insurance policy?...
Does state farm require you have a police report to file a claim?
I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...
One deductible for two accidents?
My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...
See More Questions
Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...
|Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
See More Questions
Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||State 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 State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA||Erie 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. SAFECO Erie vs. Safe Auto Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...