Erie Insurance and AAA are both well-known companies in the automotive insurance industry.
Erie is one of the largest car insurance companies in the United States, based on market share, delivering high-quality coverage at competitive rates. But it’s only available in a select number of states.
Meanwhile, AAA offers nationwide coverage through partnering insurers. But to get insurance coverage and additional benefits, you’ll have to pay an AAA membership fee on top of your premiums.
So whether either insurer is right for you will depend on your situation and needs. Here’s what you need to consider when looking at Erie Insurance and AAA coverage.
An Erie car insurance policy is cheaper than one from AAA across various ages, driving records, and credit history. Erie has also received one of the highest Insurify Quality Scores, at 8.4 out of 5.
AAA’s nationwide availability is where it stands out, operating as a federation of regional auto clubs. But your discount and coverage options vary based on the region or branch where you purchase insurance.
The table below shows how these two insurers stack up against one another.
Erie has served the auto insurance industry since 1925, earning high marks in J.D. Power claims and customer satisfaction auto insurance surveys.1
AAA provides auto and travel insurance, financial services, membership perks, and highly rated roadside assistance plans to more than 64 million members across 1,000 branches in North America.
Erie and AAA both offer telematics programs. You’ll have to download their mobile apps, which monitor your driving behaviors like speeding, phone usage, and braking smoothness. Based on your performance, you’ll receive feedback to improve your driving abilities.
But the programs differ in their reward systems. Erie provides monetary bonuses, which you can redeem for gift cards or charitable donations. AAA gives you a 10% discount on your policy upon enrollment. Your discount increases as you continue to demonstrate good driving habits.
Erie offers cheaper car insurance across several driving profiles. But your personal rates will vary based on your location, age, gender, driving record, credit history, and more.
In the sections that follow, you can see how liability-only coverage rates from Erie and AAA compare against one another for several driver subcategories.
Drivers with clean records get the best rates because they’re less likely to cause an accident and file an insurance claim. Erie offers the most affordable car insurance for drivers with a clean record.
A speeding ticket on your driving record demonstrates a history of reckless driving to insurers. As a result, drivers with speeding tickets or other moving violations generally pay higher rates. Fortunately, Erie offers competitive rates for drivers with a speeding ticket.
Teen drivers often lack experience on the road and are more likely to engage in reckless and distracted driving. As a result, insurers assign higher rates on their policies. If you’re a household with a teen driver, you can save more money on insurance with Erie.
Data shows that drivers with poor credit are more likely to file a claim. To offset this risk, insurance companies charge these policyholders higher insurance rates. On average, drivers with a less-than-perfect credit history pay similar rates with both Erie and AAA.
Older drivers, specifically those in their 70s, may start to see increases in their insurance costs. This is because age-related conditions may affect their ability to drive safely. Between the two companies, Erie provides the most competitive prices to senior drivers.
Both insurance companies offer standard car insurance coverages, including bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage.
Both companies also carry unique add-on coverage options to increase your protection. For example, Erie lets you add windshield repair coverage.
AAA insurance products will vary by branch and region. Contact an insurer in your area for more information about your options.
In the table below, you can see some additional coverages offered by each insurer.
Erie and AAA offer numerous discounts to help you save on your auto insurance policy. You’ll need to contact the AAA service provider in your region to find out what discount opportunities are available. While Erie is generally cheaper, you could receive a lower rate from AAA if you qualify for more discounts.
Here, you can see a list of discounts offered by each insurer.
Erie and AAA both offer quality car insurance, and if you’re still trying to decide between the two, the answers below can help.
AAA is a top contender for its state-of-the-art roadside assistance plans. AAA members enjoy extensive coverage, including towing service, battery replacement, flat-tire service, and minor repairs by a mechanic.
As an AAA member, you have access to the company’s highly acclaimed roadside assistance service and other membership perks, including discounts for your cars, travel, and retail needs. But to obtain these benefits, you must purchase a membership, which can cost anywhere from $38 to $170 per year.
The difference between Erie and AAA’s roadside assistance programs is their cost and coverage. AAA offers slightly more coverage, like minor auto repairs to help you get back on the road and towing services up to 200 miles four times per year with its most comprehensive membership level. Erie’s emergency roadside services only cover towing to the nearest garage plus 20 miles.
On the flip side, Erie’s roadside assistance coverage starts at an affordable $5 per vehicle per year, whereas AAA can cost anywhere between $38 and $170.
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