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Erie vs. Travelers Auto Insurance in 2025 (Side-by-Side Review)

This review of Erie vs. Travelers auto insurance breaks down key differences in availability and features. Erie costs $32 a month and includes Rate Lock, accident forgiveness, and roadside assistance. Travelers costs $53 per month and includes IntelliDrive, new car replacement, and accident forgiveness.

UPDATED: Jul 7, 2025Fact Checked

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Jul 7, 2025

Advertiser Disclosure

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.

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 7, 2025

Advertiser Disclosure

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.

UPDATED: Jul 7, 2025Fact Checked

Erie Auto Insurance
4.3

Company Facts

Min. Coverage

$32/mo

A.M. Best

A+

Complaint Level

Low

Pros & Cons

  • Offers several great perks with standard coverages, such as pet injury protection
  • Lower-than-average national average rates
  • Various other coverages besides auto insurance
  • Unavailable in most states
  • Various complaints and negative customer reviews
Travelers Auto Insurance
4.3

Company Facts

Min. Coverage

$53/mo

A.M. Best

A++

Complaint Level

Med

Pros & Cons

  • Largest U.S. Insurer
  • Nationwide Coverage
  • Broad Insurance Options
  • Below-Average Rates
  • IntelliDrive Rate Increase
  • Below-Average Reviews
  • Limited Rideshare Availability

Our in-depth Erie vs. Travelers auto insurance reviews break down how each company delivers value in very different ways. Erie shines with low rates, but Travelers is available in more states.

Erie vs. Travelers Auto Insurance Rating

Rating CriteriaErie Tablepress LogoTravelers TablePress Logo
Overall Score4.34.3
Business Reviews4.54.5
Claim Processing4.34.5
Company Reputation4.54.5
Coverage Availability3.55.0
Coverage Value4.64.3
Customer Satisfaction2.22.1
Digital Experience4.04.5
Discounts Available4.75.0
Insurance Cost4.74.1
Plan Personalization4.54.5
Policy Options5.04.1
Savings Potential4.74.4
Erie ReviewTravelers Review

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Erie charges $32 a month and stands out with its Rate Lock feature, keeping premiums the same even after an accident. It also includes free accident forgiveness, roadside assistance, and a shrinking deductible after three years without a claim.

Things to Remember

  • Erie auto insurance is sold in 12 states, while Travelers is nationwide
  • Erie includes pet injury coverage under its auto insurance policy
  • Travelers offers new car replacement within the first five years

Travelers, priced at $53 monthly, uses IntelliDrive to monitor real-time driving habits and can cut your rate by up to 30% for safe performance. Want to find out which wins between Erie vs. Travelers auto insurance? Use our free comparison tool now.

Erie vs. Travelers Auto Insurance Cost Comparison

Age and gender can have a big impact on how much you pay for auto insurance. This table illustrates the rate differences between Erie and Travelers for various driver types.

Erie vs. Travelers Auto Insurance Monthly Rates by Age & Gender

Age & GenderErie Tablepress LogoTravelers TablePress Logo
16-Year-Old Female$121$392
16-Year-Old Male$136$517
30-Year-Old Female$34$57
30-Year-Old Male$35$58
45-Year-Old Female$32$54
45-Year-Old Male$33$53
60-Year-Old Female$30$49
60-Year-Old Male$31$50

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Erie keeps things affordable across the board, with monthly rates starting at $30 for a 60-year-old female and topping out at $136 for a 16-year-old male. Travelers, by comparison, starts much higher at $49 per month for a 60-year-old female and a steep $517 a month for a 16-year-old male.

The biggest price gaps appear for teen drivers, where Erie is hundreds of dollars cheaper. If you’re looking for consistent pricing across age groups, Erie stands out as the lower-cost option.

Erie vs. Travelers Auto Insurance & Coverage Level

The amount of coverage you choose can change what you pay each month. This table provides a clear view of how both companies price their minimum and full coverage options.

Erie vs. Travelers Auto Insurance Monthly Rates by Coverage Level

Coverage LevelErie Tablepress LogoTravelers TablePress Logo
Minimum Coverage$32$53
Full Coverage$83$141

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With Erie, moving from minimum to full coverage only adds $51 per month, making it a practical upgrade for drivers who want extra protection without a significant cost increase. Travelers Insurance, however, jumps from $53 to $141 a month — a big leap that might not work for drivers on a tighter budget.

Erie Homepage: Erie vs. Travelers Auto Insurance

If you’re comparing plans based on how much more you’ll pay for full coverage, Erie Insurance gives you more breathing room between tiers.

Erie vs. Travelers Auto Insurance & Driving Record

Your driving record will follow you to Erie or Travelers. This table illustrates how Erie Insurance and Travelers Insurance adjust their monthly rates following various types of violations.

Erie vs. Travelers Auto Insurance Monthly Rates by Driving Record

Driving RecordErie Tablepress LogoTravelers TablePress Logo
Clean Record$32$53
Not-At-Fault Accident$45$76
Speeding Ticket$38$72
DUI/DWI$60$112

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If you’ve had a DUI, Travelers jumps from $53 to $112, while Erie Insurance bumps up to $60—a much smaller hit to your budget.

The best way to lower your rate is to bundle home and auto policies. Some companies slash premiums by as much as 25%.

Michelle Robbins Licensed Insurance Agent

Even something as minor as a not-at-fault accident raises Travelers’ rate to $76, compared to just $45 with Erie. For drivers with less-than-perfect records, Erie’s pricing may feel a lot more forgiving month to month.

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Erie vs. Travelers Auto Insurance Discounts

The right discounts can seriously shrink your monthly premium, but not all insurers reward you the same way. This table breaks down how Erie and Travelers Insurance Company apply savings based on how you drive, what you drive, and how you bundle, highlighting where to find the best auto insurance discounts.

Erie vs. Travelers Auto Insurance Discounts

Discount TypeErie Tablepress LogoTravelers TablePress Logo
Anti-Theft Device25%15%
Bundling25%13%
Defensive Driving20%20%
Good Driver23%10%
Good Student15%8%
Low Mileage30%20%
Military12%10%
Multi-Car10%25%
Safe Driver15%17%
Safety Features10%13%
UBI30%30%

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If you bundle your home and auto with Erie Insurance Group, you could knock 25% off your bill. Low-mileage drivers also come out ahead with Erie’s 30% discount, which is great if you work from home or don’t commute much.

Multi-Vehicle Insurance Discount Definition Card: Erie vs. Travelers Auto Insurance

Travelers offers a strong 25% discount for multi-car households, making it a smart option for families with multiple vehicles. However, in most other categories, such as good driver and good student discounts, Erie offers more. Those bigger savings can add up over time, especially for careful drivers or parents with teens on the policy.

Erie and Travelers Auto Coverage Options

When comparing Erie vs. Travelers car insurance, the most significant differences are evident in how each company structures its coverage. While both offer the standard protections, the details matter, especially when you’re trying to decide what’s worth paying for.

Erie vs. Travelers Auto Insurance Add-On Coverage Options

Add-OnErie: Erie vs. Travelers Auto InsuranceTravelers: Erie vs. Travelers Auto Insurance
Accident Forgiveness
Diminishing Deductible
Gap Insurance
Identity Theft Coverage
New Car Replacement
OEM Parts Coverage
Personal Item Coverage
Pet Injury Protection
Rental Car Reimbursement
Rideshare Coverage
Roadside Assistance
SR-22 Filing
Usage-Based Discount Program
Vanishing Deductible

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Both insurers offer flexible liability coverage limits. Erie Insurance offers bodily injury protection of up to $250,000 per person, providing peace of mind in the event of a serious at-fault accident. Travelers offers similar flexibility, with easy options to increase property damage limits—a helpful feature in areas with high repair costs.

Collision coverage is available through both, but Erie offers an edge with its new car replacement feature. If your vehicle is totaled within the first two years, Erie replaces it with a new one of the same make and model. Travelers Insurance skips this, but it includes rental car reimbursement, keeping you mobile while your car’s in the shop.

 

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For comprehensive coverage, both companies cover damage from events such as theft, weather, or vandalism. Erie includes glass repairs with no deductible, which can save drivers money on common windshield issues. Travelers covers the same events, but you’ll likely need a separate glass package to avoid a deductible.

Both providers offer medical payments coverage (MedPay) and personal injury protection (PIP), depending on your state. Erie Insurance covers up to $10,000 in MedPay to help with hospital bills and ambulance costs. Travelers offers strong PIP options, covering lost wages and basic household help during recovery.

travelers website: erie vs. travelers auto insurance

Erie lets you stack uninsured motorist coverage across vehicles and offers helpful perks, including coverage for pet injuries and personal property protection. Travelers offers up to $500,000 in single-limit coverage and leans into technology with rideshare insurance, a shrinking deductible, and IntelliDrive, which rewards safe drivers with savings of up to 30%.

Erie vs. Travelers Insurance Customer Reviews and Ratings

This table breaks down how Erie Insurance Group and Travelers perform in terms of satisfaction, service, and financial reliability. Erie stands out with stronger feedback from real customers, earning a J.D. Power score of 733 and an 82 from Consumer Reports, meaning drivers generally feel more supported.

Insurance Business Ratings & Consumer Reviews: Erie vs. Travelers

AgencyErie Tablepress LogoTravelers TablePress Logo
J.D. Power TablePress LogoScore: 733 / 1,000
Avg. Satisfaction
Score: 684 / 1,000
Below Avg. Satisfaction
Score: A+
Excellent Business Practices
Score: A
Good Business Practices
Consumer Reports TablePress LogoScore: 82/100
Positive Customer Feedback
Score: 76/100
Good Customer Feedback
Score: 0.60
Fewer Complaints Than Avg.
Score: 3.96
More Complaints Than Avg.
A.M. BestScore: A+
Superior Financial Strength
Score: A++
Superior Financial Strength

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Travelers doesn’t fare as well, with a lower satisfaction rating and a significantly higher complaint index of 3.96 compared to Erie’s 0.60, which could indicate more frequent service frustrations.

Both companies are financially strong, but Travelers having an A++ rating doesn’t really cancel out the fact that they get a lot more complaints. If you care about how things go after you buy a policy, Erie might give you a smoother, less frustrating experience overall.

Don’t overlook complaint index scores. They reveal how well insurers actually treat customers after you sign the policy.

Daniel Walker Licensed Insurance Agent

Market share tells you how many drivers choose one company over another, and that can say a lot about how widely available and trusted an insurer is. This chart gives a quick snapshot of how Erie Insurance and Travelers Insurance Company compare when it comes to their slice of the industry.

Travelers holds 4.3% of the market, which means you’re more likely to see its name pop up in national searches or local agent offices. Erie, with just 1.1%, tends to serve a more regional audience, so if you’re outside their core states, availability might be limited. But that smaller footprint can also translate to more personalized service and local expertise.

A Reddit user chimed in on a thread about Erie’s home and auto insurance, saying they’ve stuck with the company for years — and for good reason. They mentioned that Erie had handled their claims smoothly and that bundling their policies kept rates consistently lower than those with other companies they had looked into (Read More: Best Auto Insurance Companies According to Reddit)

Comment
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What stood out was the mention of customer service being handled in-house rather than outsourced, which they felt made a significant difference in how issues were resolved. The only caveat they noted was that Erie isn’t available everywhere, so it depends on where you live.

Pros and Cons of Erie Insurance

If you’re someone who hates surprise price hikes and prefers straightforward coverage, Erie Insurance might be exactly what you’re looking for. This Erie auto insurance review highlights how the company focuses less on flashy features and more on stable pricing and long-term value:

  • Predictable Pricing for Cautious Drivers: Erie reduces rate volatility by avoiding sudden premium hikes for drivers with steady records, helping long-term customers avoid unexpected cost increases during renewal periods.
  • Better Deals for Students and Military: If you’re a full-time student with good grades or an active-duty military member, Erie offers stronger discounts than most big-name competitors.
  • Focused Policy Structure With Minimal Upselling: Unlike some insurers that push optional add-ons, Erie keeps its core auto policies tightly packaged with practical features like rental reimbursement and travel expense coverage included by default.

Still, while Erie has clear benefits, there are a few limitations to consider, especially for tech-reliant or mobile-first policyholders:

  • Minimal Telematics Customization: Erie’s usage-based discount program lacks driver feedback and transparency in tracking, which may leave data-conscious users wanting more control.
  • Limited Support Outside Business Hours: Unlike larger insurers with 24/7 digital and phone service, Erie’s customer support is primarily routed through local agents, which can delay response times outside standard business hours.

Erie stands out for its 30% low-mileage discount, first-accident forgiveness, and consistently high J.D. Power and Consumer Reports scores, and it offers more long-term value than insurers that focus solely on technology or national reach.

Pros and Cons of Travelers Insurance

If you’re a careful driver or part of a multi-car household, Travelers Insurance might be worth a closer look. This Travelers auto insurance review highlights how the company emphasizes performance-based savings and offers solid, family-friendly discounts that can pay off when you drive responsibly and bundle your policies.

  • Flexible Usage-Based Insurance Program: Travelers uses a telematics system that tracks activities such as hard braking, sharp turns, and late-night driving. The better your habits, the bigger your discount—up to 30%—based on how you drive, not just your history.
  • Bundled Family Value: Travelers gives some of its best discounts when you combine auto with renters or homeowners insurance, especially if you have more than one vehicle on the policy. It’s a great setup for families trying to keep everything under one roof and cut costs at the same time.
  • Reliable Claim Support Network: With a strong team and ample availability across the U.S., Travelers makes it easy to handle standard claims, such as cracked windshields or minor fender benders, with minimal hassle.

Still, Travelers isn’t perfect. It’s better suited for people with clean records and a little patience for tech that isn’t always the most modern.

  • Significant Rate Swings After Incidents: If you get a ticket or file a claim, your rate can go up fast, especially if you’re under 25 or already have a violation on your record.
  • Less Intuitive Online Tools: The website and app don’t always offer the smoothest experience, and some policyholders say it takes a few extra steps to find what they need.

If you’re a safe driver who doesn’t mind giving up a little tech polish for better pricing, Travelers Insurance makes a strong case. Just know that one slip-up behind the wheel could end up costing you.

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Choosing Between Erie and Travelers Auto Insurance

When comparing Erie vs. Travelers auto insurance, Erie Insurance is great if you want steady pricing, while Travelers is better if you’re confident in your driving habits. Erie also offers Erie travel insurance, which includes practical perks like trip cancellation and baggage protection, which is beneficial for existing policyholders looking to streamline coverage.

With Erie, you can save by bundling your auto and home policies for 25% off or driving less to qualify for a 30% low-mileage auto insurance discount. The Travelers Companies, Inc. helps lower your bill through IntelliDrive, which tracks your driving and offers up to 30% off, plus a 25% discount if you insure more than one car.

Erie Insurance stands out with a low 0.60 complaint index, showing strong customer satisfaction. The Travelers Companies, Inc. leads when it comes to customizing your price based on how you drive. To get the best deal overall, enter your ZIP code and compare a few quotes online.

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Frequently Asked Questions

Is Travelers insurance better than Erie?

Travelers suits telematics-savvy drivers who want up to 30% off with IntelliDrive, while Erie appeals to cautious drivers who value price stability and fewer premium fluctuations.

Is Erie a good auto insurance company?

Yes, Erie consistently ranks above average in J.D. Power and Consumer Reports for customer satisfaction and starts at just $32 a month for minimum coverage.

Is Travelers Insurance a good auto insurance company?

Travelers is a solid option for families with multiple vehicles, offering up to 25% in multi-vehicle auto insurance discounts, and boasts strong financial strength with an A++ A.M. Best rating.

Why is Erie insurance so expensive?

Erie’s rates may increase if you live outside their primary service regions or have a history of prior claims, but bundling discounts (up to 25%) and low-mileage savings (up to 30%) can help lower your costs.

Is there a cancellation fee for Erie insurance?

No cancellation fee is typically charged. However, check with your Erie agent for your state’s terms and policy-specific provisions.

Is Erie Insurance high risk?

No, Erie typically targets low-risk drivers, so if you’re looking for cheap auto insurance after a DUI, you may face limited eligibility or much higher premiums.

Does Erie Insurance pay claims well?

Yes, Erie has a low 0.60 NAIC complaint index and scores 82/100 on Consumer Reports, indicating reliable and timely claims handling.

Is Travelers good at paying claims?

Travelers handles basic claims quickly, such as glass and fender benders, but users report mixed satisfaction with more complex issues, like total loss settlements.

What is the difference between State Farm and Travelers auto insurance?

State Farm has broader agent accessibility and a more substantial brand presence. At the same time, Travelers stands out in customizable savings through niche bundling options and its telematics program, as highlighted in our Travelers IntelliDrive review.

Is Erie auto insurance better than State Farm?

Erie car insurance outperforms State Farm in customer satisfaction and offers 30% low-mileage savings, along with built-in perks like trip interruption coverage at no extra cost.

How do you lower auto insurance in Erie?

Bundle home and auto to save up to 25%, drive fewer miles to earn 30% off, and consider good driver and good student discounts for additional savings.

Is Erie cheaper than Allstate auto insurance?

Yes, Erie’s average monthly minimum coverage is $32 versus Allstate’s $50+, and it includes extras like rental car reimbursement coverage at no extra charge.

How does Erie Insurance handle claims?

Erie relies on local agents and maintains a reputation for personalized service, fast response times, and transparent claims tracking through its web portal.

How much will my insurance premiums increase after an accident with Erie Insurance?

Without accident forgiveness, an at-fault accident could raise your rate by 20–40%, but Erie offers built-in first-accident forgiveness for long-term policyholders.

Do Travelers and Erie customers plan to renew?

Erie policyholders show higher renewal rates due to consistent pricing and strong agent support, while Travelers’ renewals often depend on IntelliDrive scores and rate consistency.

How do Travelers and Erie score in terms of policy offerings?

Erie scores higher on simplicity and built-in value—such as included rental coverage—while Travelers excels in usage-based customization and multi-car discounts.

Does Erie Insurance have a deductible?

Yes, Erie requires an auto insurance deductible, typically between $100 and $1,000. In some areas, Erie offers a diminishing deductible program that lowers your out-of-pocket costs over time for accident-free driving.

What additional types of insurance does Travelers offer?

Travelers offers car, home, renters, umbrella, boat, and business insurance policies, as well as travel protection for individuals and groups.

Can I buy Travelers auto insurance online?

Yes, Travelers allows you to get multiple auto insurance quotes and purchase a policy entirely online, although some coverage customizations may still require follow-up from a licensed agent.

What other types of insurance does Erie Insurance Group offer?

Erie offers auto, home, life, renters, motorcycle, and commercial insurance, along with optional extras such as identity theft recovery and personal catastrophe liability coverage. Find affordable insurance near you when you enter your ZIP code.

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

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.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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<h3>Erie vs. Travelers  Auto Insurance Market Share Comparison</h3>
<h3>Erie vs. Travelers  Auto Insurance Market Share Comparison</h3>