Compare Erie vs. American Family Insurance

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Erie and American Family are two big names in the world of insurance. Erie was founded in 1925, followed by American Family in 1927. While Erie is liked for its excellent customer service, American Family is also liked for its additional coverage options and award-winning Teen Safe Driver program. Additionally, Erie received a J.D. Power award in 2016 for best customer satisfaction in the insurance industry, and American Family ranked #6 for top auto insurers of 2016. However, Erie’s premiums are a bit high, and American Family’s lack of follow-up and failure to resolve claims hurt its ratings. Still, both companies have good 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 American Family
Best If Erie
  • You want excellent customer service
American Family
  • You want many discount options or additional coverage
Worst If Erie
  • You want more affordable insurance premiums
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

Erie American Family
Erie

Other Discounts:

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

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Erie Car Insurance American Family Car Insurance
2016 43 33
2015 40 32
2014 35 18
2013 19 9

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Erie American Family
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. 

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

Erie American Family
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

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).