Compare Erie vs. GEICO Insurance

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Erie and GEICO are two well-known companies in the auto insurance industry. Erie was founded in 1925, and GEICO was founded in 1936. Both companies share excellent customer service and financial strength ratings, and individually are spectacular. GEICO is the #1 ranked auto insurer for 2016, offering affordable premiums and a broad range of driver discounts, and Erie received a J.D. Power award for best customer service in the insurance industry. Though GEICO lacks some basic coverage options, and Erie’s rates are a bit high, they’re both quite successful companies in the auto insurance business. 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 GEICO
Best If Erie
  • You want excellent customer service
GEICO
  • You want great customer service and low premiums
Worst If Erie
  • You want more affordable insurance premiums
GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

Erie GEICO
Erie

Other Discounts:

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

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

Standard Car Insurance Discounts

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

Consumer Complaint Data

Erie Car Insurance GEICO Car Insurance
2016 43 144
2015 40 283
2014 35 267
2013 19 188

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Erie Car Insurance GEICO Car Insurance
A.M. Best A+ A++
Moody's -- Aa1-
S&P's A AA+

Mobile Apps

Erie GEICO
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. 

GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Roadside Assistance

Erie GEICO
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

GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.