- The Auto Club Group vs. Erie: Which one is the cheapest?
- The Auto Club Group vs. Erie: Rates by age group
- The Auto Club Group vs. Erie: Rates for high-risk drivers
- The Auto Club Group vs. Erie: Rates in your state
- The Auto Club Group vs. Erie: Which offers better discounts?
- The Auto Club Group vs. Erie: The bottom line
- Methodology
The Auto Club Group vs. Erie: Which one is the cheapest?
Erie state minimum coverage costs an average of $346 annually, while The Auto Club Group costs $488.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Erie costs an average of $1,480. The Auto Club Group costs more at an average of $1,621.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| The Auto Club Group | $1,621 | $488 | $507 |
| Erie | $1,480 | $346 | $415 |
The Auto Club Group vs. Erie: Rates by age group
For teens—one of the most expensive age groups to insure–Erie offers the lowest rates at $3,737 per year. The Auto Club Group is more expensive, with an average cost of $4,872 for a teen driver.
Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.
For example, adults pay an average of $1,494 with Erie, while The Auto Club Group costs $1,607 for an adult, on average.
| Age group | The Auto Club Group | Erie |
|---|---|---|
| Teens | $4,872 | $3,737 |
| Young adults | $2,757 | $2,369 |
| Adults | $1,607 | $1,494 |
| Seniors | $1,548 | $1,541 |
The Auto Club Group vs. Erie: Rates for high-risk drivers
Erie has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.
For drivers with a DUI, Erie is more affordable, with average rates of $2,869.
Check the table below to see how The Auto Club Group rates compare to Erie rates.
| Type of violation | The Auto Club Group | Erie |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,557 | $2,046 |
| 1 At-fault property damage accident under $2K | $2,557 | $1,970 |
| At-fault bodily injury accident | $2,557 | $2,079 |
| Careless driving | $2,904 | $1,728 |
| DUI | $4,957 | $2,869 |
| Reckless driving | $4,957 | $1,908 |
| Speeding | $3,033 | $1,750 |
The Auto Club Group vs. Erie: Rates in your state
Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where The Auto Club Group and Erie have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.
| State | Erie | The Auto Club Group |
|---|---|---|
| Illinois | $1,489 | $979 |
| Maryland | $1,685 | N/A |
| Michigan | N/A | $2,537 |
| Minnesota | N/A | $1,636 |
| New York | $1,814 | N/A |
| North Carolina | $1,082 | N/A |
| Ohio | $1,132 | N/A |
| Pennsylvania | $1,550 | N/A |
| Tennessee | $1,598 | N/A |
| Virginia | $1,288 | N/A |
| Washington, D.C. | $1,581 | N/A |
| West Virginia | $1,709 | N/A |
| Wisconsin | $1,313 | N/A |
The Auto Club Group vs. Erie: Which offers better discounts?
Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts The Auto Club Group and Erie offer to their customers.
| Discounts | Erie | The Auto Club Group |
|---|---|---|
| Payment type | 9% | 8% |
| Multi policy | 8% | 14% |
| Days advanced purchase | 8% | 13% |
| Electronic funds transfer | N/A | 7% |
| Loyalty | 7% | 16% |
| Lower annual mileage | 7% | 2% |
| Daily commute | 7% | 6% |
| Marital status | 6% | 11% |
| Profession | N/A | 4% |
| Safety devices | 2% | 3% |
| Paperless/electornic documents | N/A | 2% |
| Education | N/A | 2% |
| Anti-theft device | 1% | 2% |
| Air bags | 1% | 1% |
Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.
The Auto Club Group vs. Erie: The bottom line
Both The Auto Club Group and Erie are solid insurance companies, but if rates are what matter most to you, Erie may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.
Methodology
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
- All available year, make and model data
Rates were fielded by Quadrant Information Services, with more than 220 companies and 34,588 ZIP codes surveyed.
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