Nationwide vs. Erie: Which one is the cheapest?
Erie costs an average of $346, while Erie has average rates for state minimum coverage of $532.
For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, Erie costs an average of $1,480 annually. Nationwide is more expensive, with an average cost of $1,548.
It's always smart to compare quotes because prices and required coverage can change depending on your state and 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 |
|---|---|---|---|
| Nationwide | $1,548 | $532 | $651 |
| Erie | $1,480 | $346 | $415 |
Nationwide vs. Erie: Rates by age group
For teens - one of the most expensive age groups to insure - Erie has the cheapest rates, coming in at $3,737 per year. Nationwide costs an average of $5,285 for a teen driver.
Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.
For example, adults pay an average of $3,737 with Erie, while Nationwide charges an average of $5,285 for an adult.
| Age group | Nationwide | Erie |
|---|---|---|
| Teens | $5,285 | $3,737 |
| Young adults | $2,556 | $2,369 |
| Adults | $1,533 | $1,494 |
| Seniors | $1,456 | $1,541 |
Nationwide vs. Erie: Rates for high-risk drivers
Erie has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, Erie is cheaper, with average rates of $2,869.
Take a look at the table below for Nationwide rates compared to Erie rates.
| Type of violation | Nationwide | Erie |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,537 | $2,046 |
| 1 At-fault property damage accident under $2K | $2,481 | $1,970 |
| At-fault bodily injury accident | $2,673 | $2,079 |
| Careless driving | $2,203 | $1,728 |
| DUI | $3,627 | $2,869 |
| Reckless driving | $3,221 | $1,908 |
| Speeding | $2,347 | $1,750 |
Nationwide vs. Erie: Rates in your state
Insurance rates are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where Nationwide and Erie offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.
| State | Nationwide | Erie |
|---|---|---|
| Alabama | $1,345 | N/A |
| Arizona | $1,726 | N/A |
| Arkansas | $1,503 | N/A |
| California | $2,799 | N/A |
| Connecticut | $1,766 | N/A |
| Delaware | $1,498 | N/A |
| Florida | $2,150 | N/A |
| Idaho | $1,505 | N/A |
| Illinois | N/A | $1,489 |
| Indiana | $1,309 | N/A |
| Kansas | $1,316 | N/A |
| Maryland | $1,363 | $1,685 |
| Minnesota | $1,363 | N/A |
| Mississippi | $1,331 | N/A |
| Missouri | $1,361 | N/A |
| Montana | $1,394 | N/A |
| Nebraska | $1,216 | N/A |
| New Hampshire | $1,145 | N/A |
| New Mexico | $1,806 | N/A |
| New York | N/A | $1,814 |
| North Carolina | $1,513 | $1,082 |
| North Dakota | $1,152 | N/A |
| Ohio | N/A | $1,132 |
| Oregon | $1,411 | N/A |
| Pennsylvania | $1,196 | $1,550 |
| Rhode Island | $1,911 | N/A |
| South Dakota | $1,526 | N/A |
| Tennessee | $1,632 | $1,598 |
| Texas | $1,502 | N/A |
| Utah | $1,135 | N/A |
| Vermont | $935 | N/A |
| Virginia | N/A | $1,288 |
| Washington | $1,658 | N/A |
| Washington, D.C. | $2,558 | $1,581 |
| West Virginia | $1,215 | $1,709 |
| Wisconsin | $1,287 | $1,313 |
Nationwide 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 Nationwide and Erie offer to their customers.
| Discounts | Nationwide | Erie |
|---|---|---|
| Payment type | 9% | 9% |
| Telematics | 8% | N/A |
| Multi policy | 7% | 8% |
| Days advanced purchase | 7% | 8% |
| Loyalty | 4% | 7% |
| Marital status | 7% | 6% |
| Daily commute | N/A | 7% |
| Lower annual mileage | 12% | 7% |
| Homeowner | 5% | N/A |
| Paperless/electornic documents | 4% | N/A |
| Safety devices | 3% | 2% |
| Electronic funds transfer | 3% | N/A |
| Air bags | 2% | 1% |
| Anti-theft device | 1% | 1% |
Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.
Nationwide vs. Erie: The bottom line
Both Nationwide and Erie are good insurance companies, but if cheaper rates are your top priority, Erie might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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