4.8out of 3,000+ reviews

Erie Insurance vs State Farm Car Insurance

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4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Erie Insurance
85
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Erie Insurance VS State Farm
85
88
What is this?
User Ratings
OptionsErie Insurance State Farm
Rating/Reviews
224 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance State Farm
Insurer Website--The rest
Local AgentAmong the bestAbout average
Overall SatisfactionAmong the bestAbout average
Policy OfferingsBetter than mostAbout average
PricingAmong the bestThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance State Farm
Claim ServicingBetter than mostAbout average
Estimation ProcessAmong the bestBetter than most
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostAbout average
Rental ExperienceAmong the bestAbout average
Repair ProcessAmong the bestAbout average
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic854 pt
Among the best
826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central845 pt
Among the best
840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionErie Insurance State Farm
Android
4 Reviews
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsErie Insurance State Farm
A.M. BestA+A++
Moody's--Aa1
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityErie Insurance State Farm
Austin--$52
Chicago$48$54
Philadelphia$45$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityErie Insurance State Farm
Austin--$54
Chicago$48$54
Philadelphia$52$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityErie Insurance State Farm
Austin--$52
Chicago$44$53
Philadelphia$47$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityErie Insurance State Farm
Austin--$54
Chicago$52$56
Philadelphia$50$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityErie Insurance State Farm
Austin--$66
Chicago$58$60
Philadelphia$56$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityErie Insurance State Farm
Austin--$50
Chicago$46$53
Philadelphia$47$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityErie Insurance State Farm
Austin--$56
Chicago$49$55
Philadelphia$53$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityErie Insurance State Farm
Austin--$50
Chicago$45$51
Philadelphia$41$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityErie Insurance State Farm
Austin--$52
Chicago$57$62
Philadelphia$58$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityErie Insurance State Farm
Austin--$60
Chicago$54$62
Philadelphia$53$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityErie Insurance State Farm
Austin--$58
Chicago$58$60
Philadelphia$54$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityErie Insurance State Farm
Austin--$52
Chicago$42$53
Philadelphia$42$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityErie Insurance State Farm
Austin--$42
Chicago$39$43
Philadelphia$45$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeErie Insurance State Farm
Multiple VehicleUp to 15%Up to 20%
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%Up to 15%
Anti-lock BrakeUp to 5%Up to 20%
Accident ForgivenessVaries--
Defensive DriverVariesUp to 5%
Feature 15Varies--
Good DriverVariesUp to 25%
Low MileageVariesUp to 10%
Multiple PolicyVariesUp to 17%
Passive RestraintVariesUp to 40%
Senior AdultVariesVaries
Student Away at SchoolVariesVaries
Youth DrivingVaries--
Youth LoyaltyVaries--
Accident Free--Up to 15%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Good Student--Up to 25%
Home Owner--Varies
Loyalty--Varies
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeErie Insurance State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment yesyes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesErie Insurance State Farm
24/7 service--yes
Diminishing deductibleyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesErie Insurance State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Better Car Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Pet Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Vanishing Deductible
yes--

Insurance by State

Online Quoting by State

  • Erie Insurance
  • State Farm
  • Both

Uber and Lyft driver insurance

  • Erie Insurance
  • State Farm
  • Both

Compare Insurance Products

ProductErie Insurance State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Erie Insurance Reviews
  • State Farm 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.