Erie Insurance vs GEICO

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

Erie Insurance

4.7

Avg Monthly

$88/mo

Best Rate

$71/mo

Best For

Claims service

Top Discount

Reduced usage 25%

Available In

8 locations

GEICO

4.3

Avg Monthly

$101/mo

Best Rate

$60/mo

Best For

Online savings

Top Discount

Good driver 22%

Founded

1936 · Chevy Chase, Maryland

Available In

50 locations

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Rate Comparison by State

Erie Insurance cheaper: 3GEICO cheaper: 5


Pennsylvania	$88/mo	$102/mo	Erie Insurance saves $14/mo
West Virginia	$82/mo	$88/mo	Erie Insurance saves $6/mo
North Carolina	$92/mo	$96/mo	Erie Insurance saves $4/mo
Virginia	$84/mo	$82/mo	GEICO saves $2/mo
Maryland	$116/mo	$114/mo	GEICO saves $2/mo
Indiana	$88/mo	$86/mo	GEICO saves $2/mo
Wisconsin	$82/mo	$80/mo	GEICO saves $2/mo
Ohio	$71/mo	$68/mo	GEICO saves $3/mo

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Pros & Cons

Erie Insurance

Detailed profile not yet available for Erie Insurance.

GEICO

Pros

✓Consistently among the lowest rates nationally
✓Award-winning mobile app and 24/7 online service
✓Wide range of discounts (good driver, military, multi-policy)
✓Strong financial stability — A++ AM Best rating

Cons

✗No local agent network — online and phone only
✗Gap and rideshare coverage not available in all states

Which Should You Choose?

GEICO is the cheaper option in 5 of 8 states where both insurers operate, saving an average of $2/month. Erie Insurance is cheaper in 3 states.

Erie Insurance has a higher average customer rating (4.7/5) compared to GEICO (4.3/5). However, ratings can vary by state and coverage type.

Erie Insurance is generally best for claims service, while GEICO stands out for online savings. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Erie Insurance Quote Get a GEICO Quote

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Erie Insurance vs GEICO — FAQs

Is Erie Insurance cheaper than GEICO?

GEICO is cheaper in 5 of 8 states where both operate. However, rates vary by location, so Erie Insurance may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Erie Insurance or GEICO?

Erie Insurance has an average rating of 4.7/5, while GEICO averages 4.3/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Erie Insurance offer vs GEICO?

Erie Insurance's top discount is "Reduced usage 25%", while GEICO offers "Good driver 22%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Erie Insurance to GEICO?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Erie Insurance and GEICO to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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