Erie vs. GEICO: Which Is the Best? (2025)
Erie’s cheap rates and high customer loyalty put it in the top position compared to GEICO, with an IQ Score of 8.4.
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Erie Insurance and GEICO are prominent players in the car insurance market. Though smaller in market share according to National Association of Insurance Commissioners (NAIC) data, Erie advertises customer loyalty and has unique policy options. GEICO, a national insurer, has more affordable liability-only rates and an extensive list of discounts.
You should compare car insurance quotes, customer service reviews, discounts, and coverage options to determine whether Erie or GEICO better suits your insurance needs.
Quick Facts
Drivers pay $121 per month for full-coverage insurance from Erie and $139 from GEICO.
GEICO leads with more affordable liability insurance.
Erie has more auto coverage options, but GEICO offers more discounts.
Erie vs. GEICO: The verdict
For overall coverage, Erie Insurance is the better car insurance option for most people. Although GEICO is a bit more affordable for liability-only insurance, Erie offers cheaper full-coverage quotes.
Erie also has more coverage choices, like gap insurance and new-car replacement, which GEICO doesn’t have. However, GEICO has the upper hand with more discount options, which can help lower your car insurance bill. In the end, whether Erie or GEICO is the better choice depends on your specific needs and what you’re looking for in terms of coverage and discounts.
Factor  | Erie | GEICO |
|---|---|---|
| IQ Score | 8.4 | 9.2 |
| J.D. Power customer satisfaction score | 855 out of 1,000 | 818 out of 1,000 |
| Average quote: liability only | $80 | $91 |
| Number of discounts | 8 | 16 |
| Number of states where it operates | 12 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Erie
With 1.3% of the personal auto insurance market share, Erie is the 13th-largest auto insurer. Erie Insurance Group claims to have a loyal customer base, with 90% of its customers renewing their policies year after year. The company earned an A+ (Superior) financial strength rating from AM Best. Erie ranked higher in customer satisfaction than GEICO in the J.D. Power 2023 U.S. Auto Insurance Study.
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.4
Best choiceBased on 423 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (207)
Betty
Verified Review
Good
Reviewed in North Carolina on November 2025
I hit a deer and my insurance went up by $50.00.
William
Verified Review
Shop Around
Reviewed in Ohio on November 2025
Car insurance is high, but homeowners insurance is affordable.
Bernard
Verified Review
Excellent
Reviewed in Pennsylvania on October 2025
They are pleasant to talk to, helpful, and explain everything clearly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie Insurance has been selling auto coverage since 1925. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. AM Best gives Erie superior ratings for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners and ranks third in overall customer satisfaction, according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.
Pros
Excellent BBB, J.D. Power, and AM Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Offers numerous optional auto coverages
Cons
Available in only 12 states
Customers can’t buy a policy or file a claim online
Offers fewer discounts than competitors
GEICO
GEICO is the third-largest car insurance company, with a significant 13.8% of the market share. The company maintains an above-average customer satisfaction score from J.D. Power. A below-average number of GEICO customers filed complaints with the NAIC, and GEICO earned an A++ (Superior) financial strength rating from AM Best.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.0
Best choiceBased on 13,314 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,871)
John
Verified Review
Geico Experience
Reviewed in Virginia on December 2025
Great customer service is the reason I have stayed for 33 years. Claims processing is also very good.
Phillip
Verified Review
Always available and personally knowledgeable
Reviewed in New Jersey on December 2025
It's very good!
Jody
Verified Review
GEICO is always one of the top choices
Reviewed in Nevada on December 2025
Overall, one of the best. Flexible options and discounts.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
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Erie YourTurn vs. GEICO DriveEasy
Erie’s YourTurn and GEICO’s DriveEasy are telematics programs that can help lower premiums for good drivers. However, higher-risk drivers may see an increase in premiums.
YourTurn tracks driving behaviors through a mobile app. Safe driving behavior can help you earn cash rewards from Erie to redeem for gift cards or charitable donations. YourTurn isn’t available in Kentucky, North Carolina, New York, and Washington, D.C.
DriveEasy also uses a mobile app to track driving behavior. GEICO automatically adjusts your rate depending on your driving practices. It isn’t available in all states, so check with a GEICO insurance agent for more information.
Erie vs. GEICO: Which is the cheapest?
GEICO is the cheapest car insurance company for liability-only rates. However, drivers tend to pay less for full-coverage insurance with Erie than GEICO.
It’s important to note that your car insurance rate will depend on numerous factors. Your age, credit history, driving record, and coverage type affect how much you pay. Your geographical location and your vehicle’s make and model also play a significant role.
GEICO: Cheapest for drivers with a clean driving record
GEICO just barely beats out Erie Insurance in offering lower rates for liability-only coverage for good drivers, but Erie has cheaper full-coverage options for people with a clean driving record.
Driver Type | Erie | GEICO |
|---|---|---|
| Clean driving record | $80 | $91 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with a speeding ticket
The lowest rates for drivers with a speeding ticket depend on whether you want liability-only or full-coverage insurance. Erie has more affordable car insurance quotes for full coverage, while GEICO has cheaper coverage for liability insurance.
Driver Type | Erie | GEICO |
|---|---|---|
| Drivers with a speeding ticket | $109 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
Teen drivers in the U.S. can typically save on car insurance premiums by going with an insurance policy from GEICO since Erie tends to be pricier for young drivers.
Driver Type | Erie | GEICO |
|---|---|---|
| 18-year-old | $152 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with bad credit
For drivers with bad credit, GEICO typically has the cheapest rates compared to Erie, making it a good option for people with less-than-ideal credit histories. Generally, drivers with good or excellent credit pay less for auto coverage than people with poor credit.
Driver Type | Erie | GEICO |
|---|---|---|
| Drivers with bad credit | $136 | $111 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for senior drivers
Both GEICO and Erie offer affordable car insurance coverage for senior drivers, providing a cost-effective option for drivers in their 50s, 60s, and 70s.
Driver Type | Erie | GEICO |
|---|---|---|
| Senior drivers | $54 | $66 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare coverages: Erie vs. GEICO
Both insurers offer the basic policy types you’d expect from a car insurance company: bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist, collision coverage, and comprehensive coverage. Whether you opt for GEICO or Erie, you can customize your policy to fit your needs.
Erie offers a few add-on insurance products that GEICO doesn’t, including gap insurance. Plus, your Erie insurance policy automatically covers veterinary care costs if your pet incurs an injury in a car accident while in your car. GEICO offers mechanical breakdown coverage, but Erie doesn’t.
In the table below, you can compare coverage offerings from Erie and GEICO.
Coverage | Erie | GEICO |
|---|---|---|
| Gap insurance | Yes | No |
| New car replacement | Yes | No |
| Mechanical breakdown insurance | No | Yes |
| Accident forgiveness | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Pet injury coverage | Yes | No |
| Roadside assistance | Yes | Yes |
Compare discounts: Erie vs. GEICO
GEICO offers a wider range of discounts than what you can qualify for at Erie. Full-coverage policies cost more from GEICO than Erie, on average. Depending on your situation and eligibility, qualifying for discounts could make coverage from GEICO cheaper than Erie for liability insurance, too.
Compare the discount offerings from the two companies below.
Discount | Erie | GEICO |
|---|---|---|
| Clean driving record | No | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | Yes |
| Military/affiliation | No | Yes |
| Good student | No | Yes |
| Loyalty | Yes | Yes |
| Auto pay | No | Yes |
| Student away at school | Yes | No |
| Homeowner | No | No |
| Alternative fuel | No | No |
Erie vs. GEICO FAQs
While shopping for car insurance, you should compare quotes from multiple insurers. Here’s what else you need to know about auto coverage from GEICO and Erie.
Why is GEICO so much cheaper?
GEICO can offer lower car insurance premiums because it sells insurance directly to consumers and offers a lot of discounts. For instance, GEICO offers some discounts that Erie doesn’t, such as savings for insuring a new vehicle and for safe driving.
Which company is comparable to GEICO?
State Farm is comparable to GEICO for auto insurance coverage. Both companies offer competitive prices and have a strong reputation in the industry and with consumers. However, State Farm’s market share is larger than GEICO’s, with 17% compared to GEICO’s 13.8%.
Is Erie good at paying claims?
Yes. Erie has a solid reputation for paying claims. Erie ranked second in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study. Erie also has a high financial strength rating of A+ (Superior) from AM Best. This indicates the company can pay out claims on its insurance policies.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.