4.8out of 3,000+ reviews

Erie Insurance vs GEICO Car Insurance

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4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Erie Insurance
85
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Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Erie Insurance VS GEICO
85
88
What is this?
User Ratings
OptionsErie Insurance GEICO
Rating/Reviews
224 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance GEICO
Call Center Representative--About average
Insurer Website--Among the best
Local AgentAmong the bestThe rest
Overall SatisfactionAmong the bestAbout average
Policy OfferingsBetter than mostBetter than most
PricingAmong the bestBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance GEICO
Claim ServicingBetter than mostBetter than most
Estimation ProcessAmong the bestBetter than most
First Notice of Loss (FNOL)Better than mostBetter than most
Overall SatisfactionBetter than mostBetter than most
Rental ExperienceAmong the bestBetter than most
Repair ProcessAmong the bestAbout average
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance GEICO
California--807 pt
About average
Central--838 pt
Better than most
Florida--832 pt
Better than most
Mid-Atlantic854 pt
Among the best
848 pt
Better than most
New England--827 pt
About average
New York--813 pt
About average
North Central845 pt
Among the best
830 pt
About average
Northwest--805 pt
About average
Southeast--839 pt
About average
Southwest--798 pt
The rest
Texas--816 pt
The rest
Mobile App Ratings
RegionErie Insurance GEICO
Android
4 Reviews
147,062 Reviews
iOS--
446,400 Reviews
Financial Ratings
OptionsErie Insurance GEICO
A.M. BestA+A++
Fitch--AA-
Moody's--Aa3
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

CityErie Insurance GEICO
Austin--$59
Chicago$48$67
Philadelphia$45$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityErie Insurance GEICO
Austin--$62
Chicago$48$68
Philadelphia$52$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityErie Insurance GEICO
Austin--$59
Chicago$44$71
Philadelphia$47$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityErie Insurance GEICO
Austin--$62
Chicago$52$64
Philadelphia$50$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityErie Insurance GEICO
Austin--$74
Chicago$58$92
Philadelphia$56$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityErie Insurance GEICO
Austin--$58
Chicago$46$62
Philadelphia$47$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityErie Insurance GEICO
Austin--$63
Chicago$49$71
Philadelphia$53$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityErie Insurance GEICO
Austin--$54
Chicago$45$61
Philadelphia$41$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityErie Insurance GEICO
Austin--$75
Chicago$57$78
Philadelphia$58$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityErie Insurance GEICO
Austin--$68
Chicago$54$70
Philadelphia$53$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityErie Insurance GEICO
Austin--$71
Chicago$58$74
Philadelphia$54$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityErie Insurance GEICO
Austin--$55
Chicago$42$66
Philadelphia$42$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityErie Insurance GEICO
Austin--$48
Chicago$39$60
Philadelphia$45$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeErie Insurance GEICO
Multiple VehicleUp to 15%Varies
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%Up to 25%
Anti-lock BrakeUp to 5%Up to 5%
Accident ForgivenessVaries--
Defensive DriverVariesVaries
Feature 15Varies--
Good DriverVariesUp to 26%
Low MileageVaries--
Multiple PolicyVariesVaries
Passive RestraintVariesUp to 25%
Senior AdultVariesVaries
Student Away at SchoolVaries--
Youth DrivingVaries--
Youth LoyaltyVaries--
Accident Free--Varies
Daytime Running Lights--Up to 3%
Driving training--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Good Student--Up to 15%
Military--Up to 15%
Organization--Varies
Seat Belt Use--Up to 15%
teenSMART--Varies

Payment Methods

Discount typeErie Insurance GEICO
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Person 2 Person Payment yes--
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesErie Insurance GEICO
24/7 service--yes
Accident forgiveness--yes
Diminishing deductibleyes--
Mobile app--yes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesErie Insurance GEICO
Accident Forgiveness
yesyes
Better Car Replacement
yes--
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Glass Coverage yes--
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
No Fault Coverage
--yes
Personal Auto Plus
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
--yes
Vanishing Deductible
yes--

Online Quoting by State

  • Erie Insurance
  • GEICO
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Uber and Lyft driver insurance

  • Erie Insurance
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Erie Insurance
  • GEICO
  • Both

Compare Insurance Products

ProductErie Insurance GEICO
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyesyes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Erie Insurance Reviews
  • GEICO Reviews
3.7
5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %

Most Positive Review

By Olga
Because they have the best rate in the market and exceptional customer service

Most Critical Review

By Myra
Never had to use the service except pay my bill (I am accident free). Monthly payment is kind of high.

All Reviews

Showing 1 - 10 out of 224 Reviews
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Read reviews that mention

william
overpriced
Mary
Easy to work with. Great agent experience.
MIKE
Erie is fantastic to deal with! The service is great as are the rates. I have shopped around and they always come out on top with the best rates. The coverages on the auto and home are also very good. My auto deductibles are now zero and my home has coverage for underground lines and a warranty type of coverage. I highly recommend Erie! I had a claim on lost jewelry with them and it was paid in no time with no hassle what so ever!
Walter
Cheaper for two vehicles than one don't make no sense
William
It's just a numbers thing. I'm looking for a better price, and they wont provide one. I have a very good driving record, and I should be paying less than what I am curremtly
William
D.E.
Been dealing with them since 7/24/18 when one of their insured hit us. After calling multiple times and leacing messages with no call back for months in end. I decided to file a report with the Indiana Insurance Commissioner. That got the ball rolling for a few calls. Was told I would get a call back in 2 weeks that was 6 weeks ago. If you gwt hit by someone with Erie it is probably smart to lawyer up from the get go.
Crystal
Jeffrey C
My review is in reference to an automobile claim. I am not an Erie customer; however, I was rear-ended by an Erie client. I had a new Ford Explorer. I was hit so hard the rear hitch came up through the back seat. Erie paid the initial damage. I went to my Ford dealer to get it fixed. My Ford dealer said that I should pursue Erie for a "diminished value claim" since now my car was in a 'major" accident Ford would not take it on a trade-in, and most places will not since it is now in carfax as being in a major accident. I called Erie, they wanted to know how I knew about "diminished value" they then tried to talk me out of it, but I was persistent and they sent me to their recommended person, so I called, made an appointment, this cost me $300.00 dollars and three hours of my time ! When I submitted the report to Erie they offered me substantially less. I argued that this was your guy who said my diminished value claim was more ! They rudely told me to go and sue if I did not like it, which means I have to sue the other driver, which is their customer. I would NEVER use Erie after this.
Brandon P
This company is a joke. After having an adjuster come out and look at our house due to storm damage. We were lied to, the adjusters were extremely rude and disrespectful, and they damaged our house with the equipment they used. Several other neighbors were able to get claims with Erie Insurance due to storm damage, but we were lied to, after being told by numerous restoration companies that we do have damage. Our insurance agent made a sexist remark to my wife, and then we made a complaint to the Erie regional manager and he told us that they were not going to do anything about any of the complaints due to lack of evidence. I WOULD NEVER recommend ERIE as an insurance company to anybody.
Showing 1 - 10 out of 224 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.