American Family vs. Erie Auto Insurance in 2025 (Head-to-Head Review)
In our American Family vs. Erie auto insurance comparison, Erie is cheaper, starting at $32 per month, and offers a Rate Lock feature that locks in your rates even after a claim. Meanwhile, American Family offers a top-rated app and flexible add-ons, such as OEM parts coverage.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jul 2, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 2, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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2,235 reviewsCompany Facts
Min. Coverage
A.M. Best
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Pros & Cons
2,235 reviews
1,883 reviewsCompany Facts
Min. Coverage
A.M. Best
Complaint Level
Pros & Cons
1,883 reviewsCompare American Family vs. Erie auto insurance in our company review. Both providers have excellent customer feedback and low rates, but only cover a handful of states.
American Family vs. Erie Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.0 | 4.3 |
| Business Reviews | 4.0 | 4.5 |
| Claim Processing | 4.8 | 4.3 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 2.0 | 2.2 |
| Coverage Value | 4.0 | 4.6 |
| Customer Satisfaction | 3.9 | 3.5 |
| Digital Experience | 4.5 | 4.0 |
| Discounts Available | 5.0 | 4.7 |
| Insurance Cost | 3.8 | 4.7 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 3.4 | 5.0 |
| Savings Potential | 4.2 | 4.7 |
| American Family Review | Erie Review |
American Family KnowYourDrive offers cheap usage-based auto insurance for safe drivers by tracking real-time behaviors.
Erie’s Rate Lock protects customers from future price hikes by freezing premiums unless significant policy changes occur.
- American Family and Erie auto insurance require full-term payments
- Erie excludes rideshare drivers from Rate Lock program eligibility
- AmFam’s KnowYourDrive adjusts savings after 93 days of safe driving
If AmFam and Erie aren’t available near you, you can quickly compare affordable auto insurance options in your area by entering your ZIP code into our quote tool to view the best local rates.
American Family vs. Erie Auto Insurance Rates
The cost of full coverage auto insurance varies significantly based on your age and gender. Erie has cheaper rates than American Family in all cases.
American Family vs. Erie Auto Insurance Monthly Rates
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $230 | $121 |
| 16-Year-Old Male | $296 | $136 |
| 30-Year-Old Female | $62 | $34 |
| 30-Year-Old Male | $73 | $35 |
| 45-Year-Old Female | $62 | $32 |
| 45-Year-Old Male | $62 | $32 |
| 60-Year-Old Female | $57 | $30 |
| 60-Year-Old Male | $58 | $31 |
Teen drivers, mainly males, have the highest insurance costs. As drivers age, these prices decrease significantly. Erie maintains cheap auto insurance for 16-year-olds, but has very low rates for everyone, regardless of their age group.
Erie turns out to be the cheapest choice, even when you compare Erie Insurance vs. American Family against the nation’s biggest insurance companies. Erie’s monthly rates start at only $32 for minimum coverage and $83 for full.
Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
| $62 | $166 |
| $32 | $83 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
American Family is found in the middle range and could be the cheapest provider in your area when you compare auto insurance rates by state. Compare more quotes in our American Family review.
A driving record greatly affects the cost of full coverage. The table indicates that Erie remains almost half as cheap compared to American Family, regardless of any violations.
American Family vs. Erie Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $62 | $32 |
| One Ticket | $73 | $38 |
| One Accident | $94 | $45 |
| One DUI | $104 | $60 |
Erie’s rates remain more lenient for high-risk drivers, especially if you need cheap auto insurance after a DUI. Monthly rates still double after a DUI, but Erie still costs less than $100 a month for minimum coverage.
Whether it’s a DUI, an at-fault accident, or a speeding ticket, Erie remains the most affordable option for drivers with a less-than-perfect record. However, high-risk drivers usually aren’t eligible for Erie Rate Lock or usage-based options.
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Auto Insurance Coverage Options From American Family and Erie
When looking at Erie and American Family auto insurance, you should know not only the usual protections that most policies have but also what makes each company different. Both companies offer basic auto insurance features required by law or lenders, along with additional options for drivers who require specialized coverage.
- Bodily Injury Liability: This coverage pays for medical expenses and legal defense if you are responsible for injuring another driver or pedestrian in an accident.
- Property Damage Liability: This covers the cost of fixing or replacing other people’s cars or property that you damage.
- Collision Coverage: Pays for repairs to your car after a crash, no matter who is responsible.
- Comprehensive Coverage: Protects against theft, fire, hail, vandalism, and damage caused by animals.
- Uninsured/Underinsured Motorist Coverage: This helps cover medical bills and repair costs if you get hit by someone who does not have enough insurance or no insurance at all.
These main coverages form the backbone of Erie’s auto insurance policies, ensuring drivers have protection in the most common and legally required cases. In addition to this basic support, Erie offers special coverage options to enhance safety and help save money.
- Erie Rate Lock: This keeps your premium the same even if you have an accident, unless you switch drivers, vehicles, or move to a new address.
- Pet Injury Coverage: This provides up to $500 per pet, with a maximum of $1,000 total, if your pet is injured in an auto accident that is covered.
- Personal Items Coverage: Provides up to $350 reimbursement for lost or damaged clothes, electronics, or other personal items in the car.
- Auto Glass Repair with No Deductible: This service repairs chips or cracks in your windshield, and you don’t have to pay the deductible.
- New Vehicle Replacement Coverage: This coverage replaces your new car, if it is totaled and less than 24 months old, with a current-year model. It does not take into account the depreciated value of the old car.
Erie’s special options are designed to protect not just your car, but also your money, personal belongings, and even your pets. Now, we examine how American Family’s coverages align in regular and special categories.
These basic coverages from American Family help drivers stay safe against common driving risks. For those who want more than just the basics, AmFam offers several options tailored for tech-savvy drivers and those seeking high-quality repair standards.
- Bodily Injury Liability: Give money for others’ injuries and legal costs if you are responsible for an accident.
- Property Damage Liability: This insurance takes care of damage to property that you cause in a crash. It includes repairs for other people’s cars, as well as damage to buildings or fences that may occur in the event of an accident.
- Collision Coverage: It pays for repairing your car when it is damaged in an accident involving another vehicle or object.
- Comprehensive Coverage: This type of insurance safeguards you from damages not resulting from crashes, like when there is a flood, fire, or if someone steals your car.
- Medical Payments Coverage: This helps cover medical expenses for you and your passengers after an accident, regardless of who is at fault.
American Family’s special coverages focus on driving technology, financial protection for vehicles with loans, and extra help during emergencies. Their programs are well-suited for drivers who prioritize safety and frequently utilize digital tools.
- KnowYourDrive Program: Offers up to a 20% discount, depending on driving behavior tracked through telematics.
- OEM Parts Coverage: Ensures repairs utilize original manufacturer parts instead of cheaper aftermarket alternatives.
- Emergency Roadside Assistance: Provides 24/7 support for towing, fuel delivery, flat tire repair, lockout services, and jump-starts.
- Gap Insurance: This covers the difference between what you owe on your loan or lease and the actual cash value of your vehicle if it is completely destroyed.
- Accidental Death and Dismemberment Coverage: This gives a one-time payment to your beneficiaries if you die or are seriously hurt in a car accident.
Both American Family or Erie offer comprehensive protection with their standard and enhanced policy options. Erie is noted for maintaining stable rates over time and offering coverage for personal belongings, while American Family excels at providing discounts through driver tracking and making repairs with OEM-quality parts.
Read more: Types of Auto Insurance
Auto Insurance Discounts From American Family and Erie
Both companies offer a 25% discount for bundling services. However, Erie stands out with a 30% low-mileage discount and somewhat better savings for going paperless. Find more savings in our Erie Insurance review.
American Family vs. Erie Auto Insurance Discounts
| Discount | | |
|---|---|---|
| Usage-Based | 30% | 30% |
| Bundling | 25% | 25% |
| Anti-Theft | 25% | 15% |
| Low Mileage | 20% | 30% |
| Good Student | 20% | 15% |
| Pay-in-Full | 20% | 15% |
| Multi-Car | 20% | 10% |
| Safe Driver | 18% | 15% |
| Safety Features | 18% | 10% |
| Defensive Driving | 5% | 5% |
| Paperless | 4% | 5% |
Both companies offer competitive 30% discounts on usage-based insurance if drivers sign up for American Family’s KnowYourDrive or Erie’s YourTurn. The best savings depend on your driving habits and the frequency of your driving.
American Family offers better discounts on anti-theft measures, good student drivers, multiple cars, and tech-based vehicle safety features.
American Family vs. Erie Auto Insurance Reviews & Ratings
Erie receives better scores in almost all categories, according to J.D. Power and Consumer Reports. It keeps better financial strength, gets fewer complaints, and overall receives more positive feedback.
American Family vs. Erie Auto Insurance Ratings & Customer Reviews
| Agency | | |
|---|---|---|
 | Score: 692 / 1,000 Below Avg. Satisfaction | Score: 733 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 78/100 Positive Customer Feedback | Score: 82/100 Positive Customer Feedback |
 | Score: 0.26 Fewer Complaints Than Avg. | Score: 0.60 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength | Score: A+ Superior Financial Strength |
American Family is slightly behind in terms of satisfaction and consumer experience despite having a good A.M. Best rating. American Family also has a slightly bigger share of the market at 2.0% compared to Erie’s 1.4%.
Both companies are still small players in a market controlled by big national carriers. However, they each build loyal customers through local agents.
Read more: Who are the reputable auto insurance companies?
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What to Know When Comparing American Family vs. Erie
American Family vs. Erie auto insurance have distinct strengths, making them suitable for different types of drivers. American Family is notable for offering bigger discounts, including usage-based discounts, which you can compare in our AmFam KnowYourDrive review.
Erie is attractive to those seeking long-term savings, offering options like Rate Lock and generally lower prices for many groups and driving histories. Find key perks and limits in this Erie car insurance review.
Erie is available in 12 states, while American Family operates in 19. Moving outside their coverage areas may require switching insurers.Brandon Frady Licensed Insurance Producer
Choosing between them depends on how you drive, what coverage you need, and which discounts best fit your needs. Discover your best match by entering your ZIP code into our free quote comparison tool.
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Frequently Asked Questions
Is American Family insurance better than State Farm?
American Family may be better for lower rates and slightly higher claims satisfaction, while State Farm offers broader availability, more discounts, and stronger financial ratings. Compare American Family vs. Geico auto insurance to see what else sets it apart.
Is American Family Insurance a good company for your coverage needs?
Yes, American Family Insurance is financially strong with an A (Excellent) rating from A.M. Best. It scored 877 in J.D. Power’s 2024 Claims Satisfaction Study, surpassing the industry average, which indicates reliable claims handling.
Is Erie a good auto insurance company?
Yes, Erie has an A+ A.M. Best rating and ranked third in J.D. Power’s 2024 claims study, showing strong financial health and reliable claims service.
Is Erie Amerika the same as Erie Insurance?
No, Erie Amerika isn’t a recognized branch of Erie Insurance. You may be referring to Erie Insurance Group, which serves several U.S. states with a range of auto, home, and life insurance options.
What does the American Family Home Insurance Company offer you as a homeowner?
American Family home insurance provides property protection, liability coverage, and optional endorsements like identity theft and equipment breakdown at competitive monthly rates. Compare it to the best companies for home and auto insurance bundles.
Is American Family Insurance better than State Farm for your needs?
That depends on what you value most. American Family may offer lower monthly rates and more competitive bundling discounts, while State Farm is recognized for its broader agent network and higher customer satisfaction scores in certain regions. Compare American Family vs. State Farm auto insurance for more reviews.
What is Erie Insurance’s A.M. Best rating?
You’ll find an A+ (Superior) rating from A.M. Best for Erie Insurance, indicating strong financial stability and a reliable claims-paying ability.
Can you get life insurance from Erie Family Life Insurance Co.?
Yes, Erie offers term, whole, and universal life insurance products tailored to fit your budget and long-term financial goals, often with flexible monthly payment options.
Why is there an Erie insurance homeowners rate increase?
You may see a homeowners rate increase with Erie due to rising repair costs, increased claim frequency, or inflation; however, bundling policies could help lower your monthly premiums.
Is Erie vs. Amica home insurance a fair comparison for your policy search?
Yes, comparing Erie vs. Amica home insurance helps to evaluate the value and service offered. Typically, Erie offers lower monthly rates, but Amica is recognized for its excellent customer service. See more in our Amica auto insurance review.
Is American Family good at paying claims?
Yes, American Family Insurance is generally reliable in paying claims. In the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, it scored 877 out of 1,000, placing it above several competitors and indicating strong performance in claims handling.
Why is American Family so expensive?
American Family may seem expensive due to factors like your location, driving record, or coverage selections, but bundling can help reduce your monthly premiums. Enter your ZIP code to find affordable car insurance near you.
Why is Erie insurance so expensive in your area?
Erie Insurance may charge higher monthly rates if you have a history of claims, reside in a high-risk area, or add optional coverages such as new car replacement or accident forgiveness.
Is American Family Insurance losing customers?
American Family has faced some retention challenges due to rising premiums and regional competition, but it continues to serve millions of policyholders in 19 states. Learn how auto insurance competition helps customers get lower rates.
Who owns American Family Insurance?
American Family Insurance is a mutual company, which means it’s owned by its policyholders, not shareholders, allowing it to reinvest profits back into customer benefits.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
