Compare AAA vs. Erie Insurance

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AAA and Erie are two well-known competitors in the auto insurance world. And like most competitors in any industry, they each have their strengths and weaknesses. For instance, J.D. Power and Associates named Erie (founded in 1925) one of its Top 40 Customer Service Champions in 2011. AAA (founded in 1902), on the other hand, is considered the best in the business for roadside assistance.

Unfortunately, if you need to use that service more than four times in a single year, it could cost you. As for Erie, its auto insurance premiums tend to be more expensive than other providers. Both companies have excellent J.D. Power and financial strength ratings--with each receiving an A+ from A.M. Best. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Erie
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Erie
  • You want excellent customer service
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Erie
  • You want more affordable insurance premiums

Special Car Insurance Discounts

AAA Erie
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Erie
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Erie
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Erie
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Erie
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Erie
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Erie
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Erie Car Insurance
2016 43
2015 40
2014 35
2013 19

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Erie Car Insurance
Overall Purchase Experience Average Among the best
Policy Offerings Average Above average
Pricing Average Among the best
Local Agent Average Above average
Call Center Representative Above average --
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Erie Car Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Among the best Among the best
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Erie Car Insurance
A.M. Best A+ A+
Moody's -- --
S&P's A A

Mobile Apps

AAA Erie
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Erie

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click here. 

Roadside Assistance

AAA Erie
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Erie

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743