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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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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.
Updated
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Table of contents
Erie Insurance and GEICO are two of the largest private passenger auto insurance companies in the U.S., according to market share.[1] Erie ranks number 12, and GEICO, which is owned by Berkshire Hathaway Inc., ranks third.
Erie is known for its affordable rates and top scores on J.D. Power’s customer satisfaction surveys. GEICO is known for its superior financial strength and wide range of discounts.
Here we’ll compare these two car insurance companies on rates, coverages, discounts, and customer satisfaction to give you the information you need to decide which insurer is right for you.
Erie’s average car insurance rate is $75 per month for minimum coverage and $121 per month for full coverage.
GEICO’s average rate for minimum coverage is $87 per month, and full coverage averages $141 per month.
GEICO is available nationwide, while Erie is available in only 12 states and Washington, D.C.
Erie vs. GEICO: Our verdict
Choose Erie if you want competitive rates and access to a wide range of auto insurance coverage, including rideshare and gap coverage.
Choose GEICO if you value superior financial strength and the opportunity to save with a large number of discounts, including good student, military, and new car discounts.
Erie has more affordable average insurance rates and more coverage options in comparison to GEICO, but fewer available discounts. GEICO’s DriveEasy telematics program offers savings of up to 15% on your premiums at renewal if you practice safe driving behavior.
With Erie’s telematics program, YourTurn, you can earn rewards for safe driving habits, but participating in the program won’t affect your rates.
Make sure you get a personalized insurance quote from both companies before you decide which insurer is right for you.
Erie vs. GEICO
Average price Prices based on average across state-minimum and full coverage car insurance $98/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* |
Overall rating 4.4 | Overall rating 4.0 |
Value for money 3.6/5 | Value for money 3.8/5 |
Customer service 3.6/5 | Customer service 4.0/5 |
Claims handling 4.0/5 | Claims handling 4.1/5 |
Special highlight High customer satisfactionAI-generated from 212 user reviews | Special highlight Teen driversAI-generated from 7215 user reviews |
Erie: Best for affordable rates
| 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. | $75/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 |
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.
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.
Compared to GEICO, Erie Insurance offers lower rates across all driver types. Erie also offers a wide range of insurance options, allowing you to customize your coverage. Erie has fewer discounts than GEICO and a lower financial strength rating. But the company takes the No. 1 spot on the J.D. Power Auto Claims Satisfaction Study.
Rideshare and gap insurance available
Top ranking in J.D. Power’s Auto Claims Satisfaction Study
Wide range of coverage options
Not available in every state
Fewer discounts compared to GEICO
Negative customer reviews on the Better Business Bureau (BBB) website
GEICO: Best for discounts
| 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. | $87/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. | $141/mo |
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.
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.
GEICO offers a higher number of discounts than Erie, including new car, military, and good student discounts. GEICO is the third-largest private passenger insurance company in the U.S. and has an A++ (Superior) AM Best financial strength rating. Drivers across the U.S. can access a range of products, including life insurance, home insurance, renters insurance, and car insurance.
A++ (Superior) financial strength rating
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Available nationwide
Doesn’t offer rideshare or gap coverage
Low J.D. Power claims satisfaction rating
Low customer review rating on Trustpilot
GEICO vs. Erie: Which is cheaper?
A variety of factors influence car insurance premiums, including your age, gender, ZIP code, credit history, your deductible amount, and your driving record. The insurance company you choose can also affect how much you pay, so it’s important to compare multiple companies.[2]
Here’s a comparison of Erie and GEICO’s rates across driver types. Rates shown are for liability-only policies unless otherwise specified.
Driver Type | Erie | GEICO |
|---|---|---|
| Adult drivers | $67 | $85 |
| Liability-only coverage | $75 | $87 |
| Full coverage | $121 | $141 |
| Drivers with a speeding ticket | $104 | $118 |
| Drivers with a DUI | $110 | $125 |
| Drivers with an at-fault accident | $99 | $110 |
| Drivers with poor credit | $126 | $105 |
| Drivers with good credit driver | $51 | $66 |
| Teen drivers | $140 | $155 |
| Senior drivers | $50 | $63 |
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Erie vs. GEICO car insurance discounts
The right discounts can help you save on your car insurance premiums. While Erie Insurance has lower average premiums, GEICO helps bridge the gap by offering a higher number of discounts.
If you have a new car, are a military member, or are a college student with good grades, GEICO offers relevant discounts that aren’t available from Erie.
Discount | Erie | GEICO |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✔ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✖ | ✔ |
| Loyalty | ✖ | ✖ |
| Auto pay | ✖ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✔ |
| Restraint device | ✖ | ✔ |
| Daytime running lights | ✖ | ✔ |
| Internet quote | ✖ | ✔ |
| Reduced usage | ✔ | ✖ |
Compare customer satisfaction and financial strength
Reviewing industry ratings can help you learn more about an insurer’s reliability and reputation.
Erie takes the top spot on J.D. Power’s Auto Claims Satisfaction Study with a score of 743 out of 1,000. GEICO’s score of 697 puts it slightly below the study average of 700.[3] GEICO outperforms Erie on financial strength, with a superior rating from AM Best.
The NAIC complaint index shows how many customer complaints a company has compared to the industry average. A score below one, as achieved by both Erie and GEICO, indicates a complaint rate that’s below average. Both insurers receive low customer review ratings on the BBB website.
Positive reviews for Erie praise its affordable rates and good service; several negative reviews mention unpaid claims. GEICO gets positive reviews for its excellent customer service and smooth claims process but receives criticism for rising rates.
The following table compares various third-party insurance reviews for Erie and GEICO.
Score | Erie | GEICO |
|---|---|---|
| IQ Score | 8.4 | 9.2 |
| Customer reviews | 4.4/5 (450 reviews) | 4/5 (14,650 reviews) |
| J.D. Power claims satisfaction | 743 out of 1,000 | 697 out of 1,000 |
| AM Best rating | A (Excellent) | A++ (Superior) |
| NAIC complaint index | 0.68 | 0.53 |
| BBB customer reviews | 1.26 out of 5 | 1.11 out of 5 |
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.
Recent customer reviews of Erie car insurance
At Insurify, we ask customers about their experience with their insurance company. Then we share this information so you can use it to inform your decision. These are real, verified reviews from Erie car insurance policyholders.
Recent customer reviews of GEICO car insurance
To help you decide if a GEICO car insurance policy is right for you, take a look at these verified reviews from real customers.
Erie YourTurn vs. GEICO DriveEasy
Erie and GEICO both offer telematics programs, which can help you save money on car insurance premiums. Telematics programs track driver behaviors such as braking, speeding, and phone use. If you sign up for these programs, you can save money on your coverage if you’re a safe driver.
Pay-per-mile programs differ because they track the number of miles you drive. People who drive less can save more on premiums.
Erie’s YourTurn is a mobile app-based program that tracks metrics like speed, phone use, and braking over two-week periods. Participating in the YourTurn program won’t affect your insurance premiums.
If you demonstrate safe driving, you can earn rewards, including gift cards and Visa prepaid cards, every two weeks. Rewards are sent to your email address, and you can choose to redeem or donate them.
To participate in GEICO’s DriveEasy program, you’ll need to download the app. The program uses your phone to track driving behaviors, including speed, braking, and phone distractions. If you demonstrate safe driving habits, you can save up to 15% on your premiums at renewal.
The following table compares features of Erie’s YourTurn and GEICO’s DriveEasy programs.
Policy Feature | Erie YourTurn | GEICO DriveEasy |
|---|---|---|
| Best car insurance for | Drivers who want to earn rewards and get paid for responsible driving | Safe drivers who want to earn personalized discounts |
| Savings potential | Ages 16–23 can earn up to $10, ages 24+ can earn up to $5 every two weeks | Up to 15% on renewals |
| How it works | Uses your phone to track speed, phone use, and braking | Uses your smartphone’s sensors to track speed, braking, and phone distractions |
| Availability | 9 states (limited availability) | 44 states and Washington, D.C. (limited availability) |
| Data tracked | Speed, braking, acceleration, sharp turns, phone use | Speed, braking, phone distractions, hard turns, distance driven, time of day, route regularity |
| App rating (App Store/Google Play) | 4.8/4.5 | 4.8/4.4 |
| Average discount for good drivers | No discounts given | 5%–15% |
| Driver feedback tools | Trip details, family member scores, leaderboards, trends, streaks, and achievements | “Driving streaks,” track your trips, view tips to improve |
| Gamified rewards | ✔ (drivers can earn badges) | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Erie vs. GEICO
Erie Insurance and GEICO both offer a wide range of standard car insurance coverage and several add-on policies. The main difference between the two insurers is that GEICO doesn’t offer rideshare or gap coverage.
Rideshare insurance is important if you drive for a company like Uber or Lyft. Gap insurance helps fill in the financial gap if your car is totaled and you still owe money on a loan or lease. The table below highlights which coverage policies are available for each insurer.
Coverage | Erie | GEICO |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Uninsured/underinsured motorist coverage (UM/UIM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive coverage | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✖ |
| Mechanical breakdown | ✖ | ✔ |
Erie vs. GEICO FAQs
If you’re still trying to decide which company is right for you, check out these answers to some of our most frequently asked questions about Erie and GEICO.
Which is cheaper: Erie or GEICO?
Erie Insurance offers cheaper car insurance premiums than GEICO on average, according to Insurify data.
Is Erie a reliable insurance company?
Yes, Erie is a reliable insurance company. To measure the reliability of an insurer, you can look at its financial stability. Erie has an A (Excellent) financial strength rating from AM Best, meaning it has an excellent ability to meet its ongoing insurance obligations.
Is GEICO a good insurance company?
GEICO has a long history and today is the third-largest private passenger insurer in the U.S. The company has an A++ (Superior) AM Best financial strength rating, a wide range of coverage and discounts, and fairly affordable premiums. But the right auto insurance company for you will depend on your needs and budget.
How does Erie handle complaints?
If you have a complaint, you can contact Erie at 1 (800) 458-0811. Customer Care team members are available Monday to Friday, 8 a.m. to 7 p.m., and Saturday from 9 a.m. to 4:30 p.m. Eastern time. Erie asks that you allow one business day for a response to a claim or billing issue. If you have questions or concerns, you can also contact your local Erie insurance agent.
How can you talk to a real person at GEICO?
To speak with a real person at GEICO, call 1 (800) 207-7847 for sales and service inquiries. For emergency roadside service, call 1 (800) 424-3426.
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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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- III. "How to save money on car insurance."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
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