Compare Erie vs. Farmers Insurance


Which Company Will Save You the Most Money?

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Erie and Farmers are both big names in the world of insurance. Erie was founded in 1925, followed by Farmers in 1928. While Farmers is liked for its extensive policy options and discounts, Erie is liked for its top-rated customer service. In fact, Erie received a J.D. Power award for best customer satisfaction in the insurance industry in 2016. However, Erie’s premiums are quite pricy, and Farmers’ website lacks helpful learning materials and a strong online platform. 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 Farmers
Best If Erie
  • You want excellent customer service
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Worst If Erie
  • You want more affordable insurance premiums
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

Erie Farmers

Other Discounts:

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

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Standard Car Insurance Discounts

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

Consumer Complaint Data

Erie Car Insurance Farmers Car Insurance
2016 43 167
2015 40 262
2014 35 237
2013 19 300

U.S. Auto Insurance Shopping Study (2016)

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

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

Erie Car Insurance Farmers 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 Average
Settlement Average Average

Financial Strength Ratings

Erie Car Insurance Farmers Car Insurance
A.M. Best A+ A
Moody's -- Aa3
S&P's A A+

Mobile Apps

Erie Farmers

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. 


The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Roadside Assistance

Erie Farmers

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


Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services.