American Family vs. Erie Insurance

Which insurance company is right for you? Compare premiums, plans, and quotes from American Family and Erie.

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American Family vs. Erie: What You Need to Know

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Erie Insurance Exchange was founded in 1925 by H.O. Hirt and O.G. Crawford, in the city of Erie, Pennsylvania. H.O. Hirt hoped to create a company based on superior service using the mantra, “The ERIE is Above all in sERvIcE,” with the letters "E-R-I-E" raised in capitals out of the word “service.” It still remains the company tagline today. Three years after being established, the company was doing so well that it expanded its business by opening its first office outside Erie, in Pittsburgh. By 1934, the company created the “Super Standard Auto Policy,” which was used as a model for other insurance companies across the country. The company later expanded its product portfolio into a home, business and in the year 1967, Erie Family Life Insurance Company was formed, offering life insurance to consumers. Erie Indemnity Company was registered with the Securities and Exchange Commission in 1994 and in the following year it was listed on NASDAQ. Today, Erie Insurance Company ranks number 381 on the 2019 FORTUNE 500® list and has over 5,000 employees and 12,000 independent agents. Also, the company ranks highest among auto insurers in providing a satisfying purchase experience, with a score of 917 (on a 1,000-point scale).

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit American Family Overview and Erie Overview.

American Family vs. Erie: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American Family and Erie. On average, American Family charges approximately $216.68 per month while Erie comes in at around $136.38 per month. For American Family, the cheapest state average is Washington at $234.88 per month and the most expensive is Nevada at $333.20 per month. For Erie, the cheapest state average is North Carolina at $83.01 per month and the most expensive is New York at $146.50 per month.

American Family

Average Rate

$216.68
Erie

Average Rate

$136.38
National

Average Rate

$133.59
State American Family Erie
Illinois $273.01 -
Nevada $333.20 -
New York- $146.50
North Carolina- $83.01
Pennsylvania- $111.48
Tennessee- $95.16
Washington $234.88 -

American Family vs. Erie: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American Family and Erie typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American Family Erie
1 Vehicle $206.43 $136.12
2 Vehicles $277.27 $140.04

American Family vs. Erie: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $227.92 per month and Erie charges $126.80 per month for customers who own their home.

Own/Rent American Family Erie
Own $227.92 $126.80
Rent $213.32 $137.99

What Are American Family and Erie Insurance's Ratings?

Which car insurance company ranks better? We've made it easy to compare companies side by side. Below is how American Family and Erie Insurance ranked among the industry ratings. Both companies have received a grade of A+ for their financial strength. Both companies were also founded in the 1920s. Erie in 1925 and American Family two years later in 1927.

Comparison American Family Erie
Year Founded 1927 1925
Market Share 1.91% 1.29%
BBB Rating A+
Financial Strength Excellent Excellent
JD Power Ranking About Average
NAIC Complaint Index 0.64 0.22
S&P Rating A

American Family or Erie: Insurance Products Offered

American Family and Erie both offer auto insurance, but what other products do they offer? Insurance Companies will often times offer their policy holders discounts for bundling multiple products together. So it's a good idea to know what your options are. Both American Family and Erie Insurance offer boat, business, life, motorcycle and renters insurance. A full list of available products is listed below.

Insurance American Family Erie
Boat Insurance
Business Insurance
Car Insurance
Classic Car Insurance
Condo Insurance
Farm And Ranch Insurance
Flood Insurance
Health Insurance
Home Insurance
Life Insurance
Medicare Supplement
Business Insurance
Motorcycle Insurance

American Family or Erie: Ways to Save

Want to save some money? Of course, who doesn't! American Family and Erie Insurance both offer numerous options to save with the discounts they offer. Discounts are ways for carriers to reward their policy holders for being good customers. You can review the full list of discounts that these two companies offer below.

American FamilyErie
Away at School DiscountAdvance Quote Discount
Claims-free PricingAge 55 Discount
Generational DiscountDriver Training Discount
Good Student DiscountMulti-Policy Discount
KnowYourDriveMulti-Vehicle Discount
Loyalty DiscountNew Vehicle Discount
Multi-product DiscountPaid in Full Discount
Smart Home DiscountPrior Bodily Injury Limits (BIL) Discount
Teen Safe Driver DiscountReduced Usage Discount
Young Volunteer DiscountSafe Driver Discount
Safety Features Discount
Student Discount
Teen Driver Discount
Young Driver Loyalty Discount

Pros & Cons of American Family & Erie

Pros

American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
Erie
  • Erie Insurance is well-known for its competitive price and excellent claims service.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Offers 12-month premium quotes
  • Multiple discounts available
  • It locks in your auto insurance rate, so your premium won’t change unless you add or remove drivers or cars.

Cons

American Family
  • American Family Insurance only serves 19 states.
Erie
  • It doesn’t accept claims online, only by phone.
  • It offers its products in only 12 states.

American Family or Erie Mobile Apps Options

The American Family mobile app is available for iOS and android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

The Erie Insurance mobile app is available for iOS and Android.

American Family Mobile App
iOS      4.8 30K user reviews
Android      4.4 3.5K user reviews
Erie Mobile App
iOS      3.3 18 user reviews
Android      3.8 19 user reviews

American Family & Erie Contact Info

American Family Contact Info
Address 6000 American Parkway, Madison, WI 53783
Phone 1-800-692-6326
Website https://www.amfam.com/insurance
Facebook https://www.facebook.com/amfam/
Twitter https://twitter.com/amfam
Youtube https://www.youtube.com/user/amfam
Linkedin https://www.linkedin.com/company/american-family-insurance/
Erie Contact Info
Address 100 Erie Insurance Place, PA 16530
Phone 1-800-458-0811
Website https://www.erieinsurance.com/
Facebook https://www.facebook.com/erieinsurance/
Twitter https://twitter.com/erie_insurance
Youtube https://www.youtube.com/user/ErieInsurance
Linkedin https://www.linkedin.com/company/erie-insurance-group/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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