Erie vs. AAA Insurance

Which insurance provider is right for you? Compare premiums, products, and quotes from Erie and AAA.

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Erie vs. AAA: What You Need to Know

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 FORTUNE500® 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).

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

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

Erie vs. Auto Club Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Erie and Auto Club Group. On average, Erie charges approximately $116.45 per month while Auto Club Group comes in at around $231.56 per month. For Erie, the cheapest state average is Ohio at $79.64 per month and the most expensive is New York at $131.31 per month. For Auto Club Group, the cheapest state average is Illinois at $198.10 per month and the most expensive is Michigan at $305.19 per month.


Average Rate

Auto Club Group

Average Rate


Average Rate

State Erie Auto Club Group
Illinois- $198.10
Michigan- $305.19
New York $131.31 -
Ohio $79.64 -

Erie vs. Auto Club Group: Rates by Number of Vehicle


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

Number of Vehicles Erie Auto Club Group
1 Vehicle $113.12 $226.09
2 Vehicles $132.53 $

Erie vs. Auto Club Group: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Erie charges $152.82 per month and Auto Club Group charges $239.44 per month for customers who own their home.

Own/Rent Erie Auto Club Group
Own $152.82 $239.44
Rent $108.15 $229.05

What is Erie and AAA Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Erie and AAA ranked among the industry ratings.

Year Founded19251902
Market Share1.29%
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.220.53
S&P RatingA+

Erie or AAA: Insurance Products Offered

What coverage is available through Erie and AAA? Both insurance companies offer Auto, Commercial, Home, Life, Renters, and RV insurance. Additional products from Erie insurance also includes Condo, Health, and Motorcycle insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Erie and Auto Club Group Insurance page.

Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance

Erie or AAA: Ways To Save

AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. In contrast, Erie also offers a few discounts that AAA doesn’t including Young Driver Loyalty, Teen Driver, and Student discounts. Start taking advantage of discounts offered by insurance providers like AAA and Erie insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Advance Quote DiscountGood Driver Discount
Age 55 DiscountGood Student Discount
Driver Training DiscountLoyalty Discount
Multi-Policy DiscountMulti-policy Discount
Multi-Vehicle DiscountMulti-vehicle Discount
New Vehicle DiscountVerified Mileage Discount
Paid in Full Discount
Prior Bodily Injury Limits (BIL) Discount
Reduced Usage Discount
Safe Driver Discount
Safety Features Discount
Student Discount
Teen Driver Discount
Young Driver Loyalty Discount

Pros & Cons of Erie & AAA


  • Erie Insurance is well-known for its competitive price and excellent claimsservice.
  • It has fewer customer complaints than the industry median, relative to itssize.
  • Offers 12-month premium quotes
  • Multiple discounts available
  • It locks in your auto insurance rate, so your premium won’t change unlessyou add or remove drivers or cars.
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.


  • It doesn’t accept claims online, only by phone.
  • It offers its products in only 12 states.
  • The annual fee for membership.
  • Membership required to buy car insurance.

Erie or AAA Mobile Apps Options

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

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

Erie Mobile App
iOS     3.318 user reviews
Android     3.819 user reviews
AAA Mobile App
iOS     6.4K user reviews
Android     4.34,061 user reviews

Erie & AAA Contact Info

Erie Contact Info
Address100 Erie Insurance Place, PA 16530
AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US

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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