Compare Erie vs. 21st Century Insurance

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21st Century and Erie are two top-rated companies in the insurance industry. 21st Century was founded in 1958, and Erie was founded in 1925. Both Erie and 21st Century provide excellent customer service, but where 21st offers affordable premiums, Erie offers significantly pricier ones. Additionally, they each have broad selections of auto discounts.

However, 21st Century raises people’s premiums without advance notice, while Erie’s claims process is a bit subpar. Still, both have great financial strength and J.D. Power ratings.

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

  Erie 21st Century
Best If Erie
  • You want excellent customer service
21st Century
  • You want good customer service
Worst If Erie
  • You want more affordable insurance premiums
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Erie 21st Century
Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount
21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts Erie 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Erie 21st Century
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 Erie 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Erie 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Erie 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Erie 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Erie Car Insurance 21st Century Insurance
2016 43 4
2015 40 2
2014 35 9
2013 19 3

U.S. Auto Insurance Shopping Study (2016)

Erie Car Insurance 21st Century Insurance
Overall Purchase Experience Among the best Below average
Policy Offerings Above average Below average
Pricing Among the best Below average
Local Agent Above average Below average
Call Center Representative -- Below average
Insurer Website -- Among the best

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

Erie Car Insurance 21st Century Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Below average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Erie Car Insurance 21st Century Insurance
A.M. Best A+ A
Moody's -- --
S&P's A A+

Mobile Apps

Erie 21st Century
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. 

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

Erie 21st Century
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

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.