American Family vs Erie Insurance Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Erie Insurance
85
What is this?

Insurify Composite Score

American Family VS Erie Insurance
89
85
What is this?
User Ratings
OptionsAmerican Family Erie Insurance
Rating/Reviews
138 reviews
224 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Erie Insurance
Local AgentBetter than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Erie Insurance
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageAmong the best
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageAmong the best
Repair ProcessAbout averageAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Erie Insurance
Central823 pt
About average
--
Mid-Atlantic--854 pt
Among the best
North Central820 pt
About average
845 pt
Among the best
Northwest826 pt
Better than most
--
Southwest819 pt
About average
--
Mobile App Ratings
RegionAmerican Family Erie Insurance
Android
1,081 Reviews
4 Reviews
iOS
6,200 Reviews
--
Financial Ratings
OptionsAmerican Family Erie Insurance
A.M. BestAA+
FitchA+--
Moody'sAa3--
Standard & Poor'sA+A

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Erie Insurance
Chicago$76$48
Philadelphia--$45
Phoenix$82--

For Single Drivers

CityAmerican Family Erie Insurance
Chicago$76$48
Philadelphia--$52
Phoenix$82--

For Male Drivers

CityAmerican Family Erie Insurance
Chicago$76$44
Philadelphia--$47
Phoenix$82--

For Female Drivers

CityAmerican Family Erie Insurance
Chicago$76$52
Philadelphia--$50
Phoenix$82--

For Drivers with Speeding Ticket

CityAmerican Family Erie Insurance
Chicago$102$58
Philadelphia--$56
Phoenix$121--

For Drivers with No Speeding Ticket

CityAmerican Family Erie Insurance
Chicago$70$46
Philadelphia--$47
Phoenix$74--

For Drivers Age Between 18-40

CityAmerican Family Erie Insurance
Chicago$76$49
Philadelphia--$53
Phoenix$81--

For Drivers Age Between 40-65

CityAmerican Family Erie Insurance
Chicago$72$45
Philadelphia--$41
Phoenix$77--

For Drivers Age of 65+

CityAmerican Family Erie Insurance
Chicago$89$57
Philadelphia--$58
Phoenix$104--

For Drivers with Average Credit

CityAmerican Family Erie Insurance
Chicago$80$54
Philadelphia--$53
Phoenix$87--

For Drivers with Fair Credit

CityAmerican Family Erie Insurance
Chicago$82$58
Philadelphia--$54
Phoenix$89--

For Drivers with Good Credit

CityAmerican Family Erie Insurance
Chicago$73$42
Philadelphia--$42
Phoenix$80--

For Drivers with Excellent Credit

CityAmerican Family Erie Insurance
Chicago$68$39
Philadelphia--$45
Phoenix$72--

Quotes & Discounts

Discount typeAmerican Family Erie Insurance
Passive RestraintUp to 30%Varies
Good StudentUp to 25%--
MilitaryUp to 25%--
Senior AdultUp to 25%Varies
Student Away at SchoolUp to 25%Varies
Multiple PolicyUp to 15%Varies
Multiple VehicleUp to 13%Up to 15%
OccupationUp to 10%--
Low MileageUp to 8%Varies
Anti-lock BrakeUp to 5%Up to 5%
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%--
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVariesVaries
Anti-Theft DeviceVariesUp to 5%
Defensive DriverVariesVaries
teenSMARTVaries--
Feature 15--Varies
Good Driver--Varies
Prepay--Up to 7%
Youth Driving--Varies
Youth Loyalty--Varies

Payment Methods

Discount typeAmerican Family Erie Insurance
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesAmerican Family Erie Insurance
24/7 serviceyes--
Diminishing deductible--yes
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Erie Insurance
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Better Car Replacement
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
Gap Insurance
yes--
Glass Coverage --yes
Legal Defense Costs Coverage
yes--
New Car Replacement Coverage
--yes
Personal Auto Plus
--yes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Erie Insurance
  • Both

Uber and Lyft driver insurance

  • American Family
  • Erie Insurance
  • Both

Compare Insurance Products

ProductAmerican Family Erie Insurance
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • Erie Insurance Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.