4.8out of 3,000+ reviews

Erie Insurance vs Nationwide Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Erie Insurance
85
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Erie Insurance VS Nationwide
85
89
What is this?
User Ratings
OptionsErie Insurance Nationwide
Rating/Reviews
224 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local AgentAmong the bestBetter than most
Overall SatisfactionAmong the bestAbout average
Policy OfferingsBetter than mostBetter than most
PricingAmong the bestAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance Nationwide
Claim ServicingBetter than mostAbout average
Estimation ProcessAmong the bestBetter than most
First Notice of Loss (FNOL)Better than mostBetter than most
Overall SatisfactionBetter than mostAbout average
Rental ExperienceAmong the bestBetter than most
Repair ProcessAmong the bestBetter than most
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic854 pt
Among the best
823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central845 pt
Among the best
815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionErie Insurance Nationwide
Android
4 Reviews
1,829 Reviews
iOS--
40 Reviews
Financial Ratings
OptionsErie Insurance Nationwide
A.M. BestA+A+
Moody's--A1
Standard & Poor'sAA+

Auto Insurance Quotes

For Married Drivers

CityErie Insurance Nationwide
Austin--$73
Chicago$48$184
Philadelphia$45$87
Santa Monica--$96

For Single Drivers

CityErie Insurance Nationwide
Austin--$99
Chicago$48$183
Philadelphia$52$96
Santa Monica--$231

For Male Drivers

CityErie Insurance Nationwide
Austin--$84
Chicago$44$185
Philadelphia$47$90
Santa Monica--$215

For Female Drivers

CityErie Insurance Nationwide
Austin--$88
Chicago$52$182
Philadelphia$50$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityErie Insurance Nationwide
Austin--$115
Chicago$58$285
Philadelphia$56$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityErie Insurance Nationwide
Austin--$80
Chicago$46$161
Philadelphia$47$90
Santa Monica--$141

For Drivers Age Between 18-40

CityErie Insurance Nationwide
Austin--$97
Chicago$49$185
Philadelphia$53$94
Santa Monica--$262

For Drivers Age Between 40-65

CityErie Insurance Nationwide
Austin--$70
Chicago$45$172
Philadelphia$41$82
Santa Monica--$85

For Drivers Age of 65+

CityErie Insurance Nationwide
Austin--$108
Chicago$57$217
Philadelphia$58$112
Santa Monica--$88

For Drivers with Average Credit

CityErie Insurance Nationwide
Austin--$105
Chicago$54$207
Philadelphia$53$104
Santa Monica--$147

For Drivers with Fair Credit

CityErie Insurance Nationwide
Austin--$87
Chicago$58$185
Philadelphia$54$91
Santa Monica--$117

For Drivers with Good Credit

CityErie Insurance Nationwide
Austin--$70
Chicago$42$197
Philadelphia$42$90
Santa Monica--$106

For Drivers with Excellent Credit

CityErie Insurance Nationwide
Austin--$83
Chicago$39$144
Philadelphia$45$80
Santa Monica--$285

Quotes & Discounts

Discount typeErie Insurance Nationwide
Multiple VehicleUp to 15%Up to 20%
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%Up to 5%
Anti-lock BrakeUp to 5%--
Accident ForgivenessVariesVaries
Defensive DriverVariesUp to 10%
Feature 15Varies--
Good DriverVariesUp to 10%
Low MileageVaries--
Multiple PolicyVariesUp to 25%
Passive RestraintVaries--
Senior AdultVaries--
Student Away at SchoolVaries--
Youth DrivingVaries--
Youth LoyaltyVaries--
Accident Free--Varies
Affinity group--Varies
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Student--Up to 15%
Organization--Up to 10%
Paperless documents--Varies
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeErie Insurance Nationwide
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
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment yesyes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesErie Insurance Nationwide
Diminishing deductibleyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesErie Insurance Nationwide
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Better Car Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
--yes
Glass Coverage yes--
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Vanishing Deductible
yesyes

Online Quoting by State

  • Erie Insurance
  • Nationwide
  • Both

Uber and Lyft driver insurance

  • Erie Insurance
  • Nationwide
  • Both

Compare Insurance Products

ProductErie Insurance Nationwide
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Erie Insurance Reviews
  • Nationwide 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.