Esurance vs. Erie Insurance

Which insurance company is right for you? Compare savings, premiums, and quotes from Esurance and Erie.

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Esurance vs. Erie: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

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 insERvIcE,” 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 andExchange 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).

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

Esurance vs. Erie: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Erie. On average, Esurance charges approximately $172.03 per month while Erie comes in at around $125.84 per month. For Esurance, the cheapest state average is California at $132.17 per month and the most expensive is New York at $339.42 per month. For Erie, the cheapest state average is Pennsylvania at $86.11 per month and the most expensive is New York at $131.78 per month.

Esurance

Average Rate

$172.03
Erie

Average Rate

$125.84
National

Average Rate

$133.56
State Esurance Erie
Arizona $170.82 -
California $132.17 -
Michigan $231.00 -
New Jersey $221.44 -
New York $339.42 $131.78
Pennsylvania $138.42 $86.11
Texas $182.44 -

Esurance 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 Esurance and Erie typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Erie
1 Vehicle $165.90 $125.29
2 Vehicles $220.29 $133.95

Esurance 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 Esurance charges $166.26 per month and Erie charges $116.75 per month for customers who own their home.

Own/Rent Esurance Erie
Own $166.26 $116.75
Rent $172.89 $127.14

What is Esurance and Erie Insurance Rating?

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

ComparisonEsuranceErie
Year Founded19991925
Market Share1.29%
BBB RatingA-
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio1.140.22
S&P RatingAA-

Esurance or Erie: Insurance Products Offered

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

InsuranceEsuranceErie
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance or Erie: Ways To Save

Erie offers a wide range of discounts to its policyholders, including Age 55, Driver Training, and Multi-Policy discounts. Whereas, Esurance also offers a few discounts that Erie doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Erie and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceErie
Anti-lock Brakes DiscountAdvance Quote Discount
Anti-theft DiscountAge 55 Discount
Claim-free DiscountDriver Training Discount
Defensive Driver DiscountMulti-Policy Discount
Emergency Road Assistance DiscountMulti-Vehicle Discount
Fast 5 Discount®New Vehicle Discount
Good Driver DiscountPaid in Full Discount
Good Student DiscountPrior Bodily Injury Limits (BIL) Discount
Homeowners DiscountReduced Usage Discount
Multi-car DiscountSafe Driver Discount
Multi-policy DiscountSafety Features Discount
Online Shopper® DiscountStudent Discount
Paid-in-full DiscountTeen Driver Discount
Renters Plus® DiscountYoung Driver Loyalty Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Erie

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
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

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Erie
  • It doesn’t accept claims online, only by phone.
  • It offers its products in only 12 states.

Esurance or Erie Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

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

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Erie Mobile App
iOS     3.318 user reviews
Android     3.819 user reviews

Esurance & Erie Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
Erie Contact Info
Address100 Erie Insurance Place, PA 16530
Phone1-800-458-0811
Websitehttps://www.erieinsurance.com/
Facebookhttps://www.facebook.com/erieinsurance/
Twitterhttps://twitter.com/erie_insurance
Youtubehttps://www.youtube.com/user/ErieInsurance
Linkedinhttps://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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