120+ more)
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12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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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: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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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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Erie Insurance and State Farm are two well-known names in the auto insurance industry, but they occupy very different positions in the market. State Farm is the largest auto insurer in the U.S., holding 10% of the market. Erie Insurance is much smaller, with a market share of 1%.[1] It also operates in fewer states but maintains a strong regional presence.
Both insurers offer a mix of competitive pricing, useful insurance policy features, and reliable auto claims support. In this comparison, we’ll look at their auto insurance rates, coverage options, customer satisfaction and financial strength ratings, and available discounts to help you determine which company is the better fit for your needs.
On average, State Farm offers lower rates than Erie Insurance.
State Farm provides more options for filing a claim, but Erie Insurance offers a better claims experience overall.
State Farm offers auto insurance in 48 states and Washington, D.C., while Erie operates in just 12 states and D.C.
Ultimately, neither insurer is the best fit for everyone, but some features may make one stand out for you. For example, you may choose State Farm if you want cheaper average rates and more discount opportunities.
Alternatively, you may opt for Erie Insurance if customer satisfaction and customizable coverages are top priorities for you. But it’s important to compare personalized insurance quotes from both insurers, as individual rates vary significantly based on your location, driving record, and coverage needs.
 |  |
|---|---|
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 $81/mo* |
Overall rating 4.4 | Overall rating 4.0 |
Value for money 3.7/5 | Value for money 3.7/5 |
Customer service 3.6/5 | Customer service 4.2/5 |
Claims handling 4.0/5 | Claims handling 4.1/5 |
Special highlight High customer satisfactionAI-generated from 219 user reviews | Special highlight Customer serviceAI-generated from 7021 user reviews |
| 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. | $74/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.
Erie Insurance excels for drivers who value excellent customer service and specialized coverage features. The insurer scored the highest of any insurer in J.D. Power’s claims satisfaction study and maintains a low number of complaints with the National Association of Insurance Commissioners (NAIC).
Erie also distinguishes itself with coverage options State Farm doesn’t offer, including gap insurance, pet injury coverage, and personal item protection.
Competitive rates
Top-tier claims satisfaction
Robust coverage options
Operates in only 12 states and Washington, D.C.
Must call to file a claim
Telematics program offers no discounts on coverage
| 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. | 9.3 /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. | $55/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. | $107/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
If you’re looking for affordability, State Farm is a great choice. State Farm not only offers lower average rates than Erie, but it also provides more discount opportunities. What’s more, State Farm provides actual telematics discounts through Drive Safe & Save compared to Erie’s gift card rewards system.
Finally, the insurer operates in 48 states and D.C., making it a better choice for anyone living outside of Erie’s regional footprint.
Competitive rates
Superior financial strength rating
Near nationwide coverage
Fewer optional coverages
High customer complaint score with the NAIC
Not available in Massachusetts and Rhode Island
On average, State Farm offers cheaper rates than Erie. But it’s important to remember that car insurance rates vary by driving history, vehicle type, location, and coverage selection, and each insurer weighs these factors differently.
Here’s a look at how the two insurance companies compare for different drivers. Rates shown are for liability-only policies unless otherwise specified.
Driver Type  | Erie Insurance | State Farm |
|---|---|---|
| Adult drivers | $66 | $50 |
| Liability-only coverage | $74 | $55 |
| Full coverage | $121 | $107 |
| Drivers with a speeding ticket | $103 | $71 |
| Drivers with a DUI | $109 | $82 |
| Drivers with an at-fault accident | $98 | $72 |
| Poor credit drivers | $124 | $89 |
| Good credit drivers | $50 | $44 |
| Teen drivers | $138 | $113 |
| Senior drivers | $50 | $39 |
Save up to $1,100 per year on coverage
Both insurers offer a variety of discounts, but State Farm has a longer list overall. State Farm can be particularly beneficial for drivers looking to save with its telematics program, Drive Safe & Save. While Erie Insurance offers a telematics program, YourTurn, it offers rewards in the form of gift cards and charitable contributions rather than a discount on your rate.
The only discount Erie offers that State Farm doesn’t is a pay-in-full discount. Here’s a look at what each insurer offers.
Discount | Erie Insurance | State Farm |
|---|---|---|
| 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 | ✔ | ✖ |
Erie Insurance and State Farm both perform well, but their strengths differ. Erie scores higher in the J.D. Power U.S. Auto Claims Satisfaction Study and has a lower NAIC complaint index, suggesting fewer complaints and satisfied customers.[2] [3]
In contrast, State Farm stands out for its exceptional financial strength, which reflects a strong ability to pay claims.[4] Better Business Bureau (BBB) customer review scores are similarly low for both insurers, which is common among large insurance companies. Together, these metrics show Erie excels in customer satisfaction while State Farm leads in financial stability.
Score | Erie Insurance | State Farm |
|---|---|---|
| IQ Score | 8.4 | 9.3 |
| Customer reviews | 4.4/5 (465 reviews) | 4/5 (14,737 reviews) |
| J.D. Power | 743 out of 1,000 | 716 out of 1,000 |
| AM Best rating | A (Excellent) | A++ (Superior) |
| NAIC complaint index | 0.68 | 1.21 |
| BBB customer reviews | 1.23/5 (2,097 reviews) | 1.26/5 (72 reviews) |
Insurify collects verified reviews from real policyholders so shoppers can learn directly from other customers’ experiences. Below, you’ll find genuine, up-to-date feedback from Erie Insurance drivers, with new reviews added regularly.
Insurify gathers verified reviews from real State Farm policyholders to help shoppers understand what customers experience on a day-to-day basis. Below, you’ll find authentic, regularly updated feedback from State Farm drivers.
Telematics programs use a smartphone app or an in-vehicle device to monitor driving behavior and reward safe habits with discounts on insurance premiums.
Both Erie’s YourTurn and State Farm’s Drive Safe & Save use driving data to provide savings or rewards and provide feedback to help improve safety. They aren’t the same as pay-per-mile insurance, which is another coverage type that charges you per mile driven.
Erie Insurance’s YourTurn program is a rewards-based, smartphone telematics program. The app tracks metrics like braking, acceleration, cornering, speeding, and phone usage. Higher scores unlock rewards, such as gift cards from popular retailers or charitable donations, rather than direct premium discounts. Rewards range from $3 to $15 every two weeks, depending on driving behavior, state, and age. You don’t get any rate discounts when using YourTurn.
State Farm’s Drive Safe & Save uses your smartphone to monitor factors including speed, braking, acceleration, cornering, and phone distractions. Discounts vary by state, but safe drivers earn a 10% initial discount for signing up and qualify for up to 30% or more in savings going forward. Unlike the YourTurn program, you don’t need to download a separate app to use Drive Safe & Save. It’s included in the State Farm app.
Here’s a more detailed comparison of the two programs:
Feature | Erie Insurance YourTurn | State Farm Drive Safe & Save |
|---|---|---|
| Best for | Drivers who want to earn rewards for safe driving | Drivers who want to maximize savings through safe driving |
| Savings potential | More than $100 in annual rewards, on average | Up to 30% or more |
| How it works | Uses your phone to track driving and provides trip details, leaderboards, achievements, and rewards | Uses your phone to track driving to calculate potential discounts; also includes an accident assistance feature |
| Availability | 9 states (not available in Washington, D.C., Kentucky, New York, and North Carolina) | 47 states (not available in California, Massachusetts, or Rhode Island) |
| Data tracked | Speed, braking, acceleration, cornering, and phone distractions | Speed, braking, acceleration, cornering, and phone distractions |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.8/4.6 |
| Average discount for good drivers | $3 to $15 every two weeks in rewards | 10% to 30%+ discount on premiums |
| Driver feedback tools | Real-time trip scoring and feedback | Provides a summary after each trip showing your route and events that may affect your discount |
| Gamified rewards | ✔ (drivers can compare scores with family, track trends and streaks, and collect badges) | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
Check quotes from 120+ top insurance companies
For the most part, Erie Insurance and State Farm offer the same coverage options, but a few exceptions apply. For example, Erie offers gap coverage through its Auto Security add-on, while State Farm doesn’t offer this feature at all. Erie also offers endorsements for pet injuries, personal items, and a diminishing deductible, among other benefits.
Here’s a look at how the two insurers compare with common coverages.
Coverage | Erie Insurance | State Farm |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✔ |
| Pet coverage | ✔ | ✖ |
| Personal item coverage | ✔ | ✖ |
Below, you’ll find answers to frequently asked questions about Erie Insurance and State Farm.
State Farm offers cheaper rates, with an average of $55 per month for liability-only coverage and $107 per month for full coverage, according to Insurify data. In contrast, Erie charges an average of $74 per month for liability insurance and $121 per month for full coverage.
State Farm makes the claims process easy, allowing you to file a claim online, over the phone, or through the State Farm mobile app. Erie Insurance, on the other hand, requires you to call your local agent or customer service to submit a claim, but you can check the status of your claim in the Erie mobile app.
Like other insurers, Erie Insurance may non-renew policies based on claims history according to state regulations and company underwriting guidelines. But we found no evidence that the insurer practices non-renewals more frequently than others.
No. State Farm offers auto insurance in every state but Massachusetts and Rhode Island. Meanwhile, Erie Insurance serves 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia.
Erie uses independent agents to sell its insurance.
Insurify data scientists analyzed more than 190 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:
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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Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.