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Erie Insurance vs Nationwide

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

VS

Nationwide

4.3

Avg Monthly

$98/mo

Best Rate

$84/mo

Best For

Full coverage

Top Discount

SmartRide 40%

Founded

1926 · Columbus, Ohio

Available In

5 locations

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Rate Comparison by State

Erie Insurance cheaper: 4Nationwide cheaper: 0
West Virginia$82/mo$104/moErie Insurance saves $22/mo
Virginia$84/mo$104/moErie Insurance saves $20/mo
Indiana$88/mo$108/moErie Insurance saves $20/mo
Ohio$71/mo$88/moErie Insurance saves $17/mo

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Pros & Cons

Erie Insurance

Detailed profile not yet available for Erie Insurance.

Nationwide

Pros

  • SmartRide telematics can save up to 40% for safe drivers
  • Strong life insurance and financial services arm
  • Pet insurance available through Nationwide
  • Good multi-policy discount when bundling products

Cons

  • Not available in all 50 states for all products
  • Average rates are not always the most competitive

Which Should You Choose?

Erie Insurance is the cheaper option in 4 of 4 states where both insurers operate, saving an average of $20/month. Nationwide is cheaper in 0 states.

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

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

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Erie Insurance vs Nationwide — FAQs

Is Erie Insurance cheaper than Nationwide?
Erie Insurance is cheaper in 4 of 4 states where both operate. However, rates vary by location, so Nationwide may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Erie Insurance or Nationwide?
Erie Insurance has an average rating of 4.7/5, while Nationwide averages 4.3/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Erie Insurance offer vs Nationwide?
Erie Insurance's top discount is "Reduced usage 25%", while Nationwide offers "SmartRide 40%". 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 Nationwide?
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 Nationwide 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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