State Auto vs. Erie Insurance

Which insurance carrier is right for you? Compare rates, discounts, and quotes from State Auto and Erie.

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State Auto vs. Erie: What You Need to Know

In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.

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 State Auto Overview and Erie Overview.

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

Below is a list of the average rates that drivers typically pay with State Auto and Erie. On average, State Auto charges approximately $203.81 per month while Erie comes in at around $120.07 per month. For State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 per month. For Erie, the cheapest state average is Ohio at $81.30 per month and the most expensive is New York at $178.91 per month.

State Auto

Average Rate

$203.81
Erie

Average Rate

$120.07
National

Average Rate

$117.77
State State Auto Erie
Alabama $164.41 -
Illinois $203.58 -
Indiana $228.89 $88.47
Kentucky $191.72 -
Maryland $253.07 $166.54
New York- $178.91
North Carolina- $84.29
North Dakota $122.87 -
Ohio $148.65 $81.30
Pennsylvania $196.80 $110.85
South Carolina $170.09 -
Tennessee $166.18 $107.01
Texas $258.06 -
Utah $208.31 -
Virginia- $90.15
West Virginia- $96.42
Wisconsin $155.66 $92.13

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

Number of Vehicles State Auto Erie
1 Vehicle $192.93 $119.16
2 Vehicles $242.01 $123.18
3 Vehicles $414.95 $199.14

State Auto 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 State Auto charges $189.62 per month and Erie charges $107.44 per month for customers who own their home.

Own/Rent State Auto Erie
Own $189.62 $107.44
Rent $212.03 $126.59

What is State Auto and Erie Insurance Rating?

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

ComparisonState AutoErie
Year Founded19211925
Market Share1.29%
A.M. Best RatingA+A+
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.22

State Auto or Erie: Insurance Products Offered

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

InsuranceState AutoErie
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

State Auto or Erie: Ways To Save

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

State AutoErie
Accident Prevention CourseAdvance Quote Discount
Anti-theft Device DiscountAge 55 Discount
Driver TrainingDriver Training Discount
Good Student DiscountMulti-Policy Discount
Multi-car DiscountMulti-Vehicle Discount
Multi-policy DiscountNew Vehicle Discount
Paid in Full DiscountPaid in Full Discount
State Auto Safety 360Prior Bodily Injury Limits (BIL) Discount
State Auto Start-UpReduced Usage Discount
Safe Driver Discount
Safety Features Discount
Student Discount
Teen Driver Discount
Young Driver Loyalty Discount

Pros & Cons of State Auto & Erie

Pros

State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
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

State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Erie
  • It doesn’t accept claims online, only by phone.
  • It offers its products in only 12 states.

State Auto or Erie Mobile Apps Options

The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

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

State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews
Erie Mobile App
iOS     3.318 user reviews
Android     3.819 user reviews

State Auto & Erie Contact Info

State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance
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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