Compare Esurance vs. Erie Insurance

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Esurance and Erie are two largely successful companies in the auto insurance industry. Esurance was founded in 1999, and Erie was founded in 1925. Both companies offer an ample selection of discounts, among them are Esurance’s unique “Pac-12” discount and Erie’s “Reduced Usage” discount. While Esurance’s strength lies in its strong and extensive online platform and low premiums, Erie’s strength is its exceptional customer service reviews and high J.D Power ratings.

However, Erie’s premiums are on the higher side, and Esurance’s restriction to only buying/filing claims online provide some drawbacks.

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

  Esurance Erie
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Erie
  • You want excellent customer service
Worst If Esurance
  • You want excellent roadside assistance
Erie
  • You want more affordable insurance premiums

Special Car Insurance Discounts

Esurance Erie
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Erie

Other Discounts:

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

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance Erie Car Insurance
2016 48 43
2015 67 40
2014 47 35
2013 43 19

U.S. Auto Insurance Shopping Study (2016)

Esurance 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 -- --
Insurer Website Among the best --

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance Erie
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

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

Esurance Erie
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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