Nationwide vs. Erie: Which offers the cheapest auto insurance rates?

Nationwide vs. Erie: Which one is the cheapest?

Erie state minimum coverage costs an average of $346 annually, while Nationwide costs $532.

For full coverage with 100/300/100 liability and $500 deductibles for comprehensive and collision, Erie averages $1,480 per year. Nationwide costs more, averaging $1,548 a year.

Always compare quotes because prices and required coverage vary by state and 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
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 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 Nationwide costs $1,533 for an adult, on average.

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 matter to insurance customers and can significantly lower yearly costs. Below are some discounts Nationwide and Erie offer 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 ask about discounts when comparing insurance options to see what you might 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

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: