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American Family and Erie are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, Erie offers the lowest insurance rates compared to American Family.

To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.

Key takeaways

  • The state minimum coverage for American Family is $631 per year, and Erie offers state minimum coverage at $371 annually.
  • For customer service, both American Family and Erie earned 3.5 stars out of 5.
  • American Family offers coverages such as - Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness. Erie offers coverages such as - A lock-in rate, pet injury coverage, new car replacement, a mobile app, and accident forgiveness.
  • Multi-vehicle, multi-policy, and safe driver are a few discounts American Family and Erie offer.

American Family vs Erie: Which one is the cheapest?

If price is what’s most important, Erie is likely going to be the better choice. Erie usually offers lower rates than American Family. Erie offers full coverage insurance for an average of $1,400 per year and American Family provides full coverage for $1,496 annually.

The cost of state minimum coverage from Erie is $371 per year and American Family offers state minimum coverage for $631 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
American Family$1,496$631

American Family vs Erie: Rates by age group

Erie has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.

Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from Erie, as its rates are lower than American Family. Erie offers insurance for teenagers at an average of $3,128 per year, whereas American Family provides insurance to teen drivers for $3,611 annually.

Age (group)American FamilyErie
Young adults$1,872$1,879

American Family vs Erie: Rates for high-risk drivers

In our study we found that Erie is an affordable insurer for most drivers than American Family. Erie is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,339 and American Family's rates after a DUI/DWI offense is $2,398 per year.

When it comes to finding affordable rates for high-risk drivers, American Family and Erie are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.

Profile Value (group)American FamilyErie
1 At-fault property damage accident over $2K$1,879$1,844
1 At-fault property damage accident under $2K$1,879$1,723
At-fault bodily injury accident$1,928$1,857
Careless driving$2,118$1,538
DUI/DWI first offense$2,398$2,339
Reckless driving$2,630$1,630

American Family vs Erie: Customer service and tech friendly

For customer service, American Family earned 3.5 stars out of 5, while Erie earned 3.5 stars.

Which insurance company provides a better online experience? Both American Family and Erie offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.

American Family vs Erie: Which has better coverage options?

Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.

Both American Family and Erie have a wide range of coverage options. Below table shows the different coverages offered by American Family and Erie:

American Family vs Erie: Which offers better discounts?

Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options American Family and Erie offer to policyholders, and which carrier fits your needs.

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