Alfa Alliance vs. Erie: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Erie offers significantly more affordable prices than Alfa Alliance
• Alfa Alliance has cheaper rates for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
• Erie offers more discounts than Alfa Alliance Insurance

Alfa Alliance vs. Erie: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Alfa Alliance or Erie as your top options, but between the two, which carrier has less expensive premiums for car insurance?

As you can see, Erie has average rates that are about 21% per month cheaper than those from Alfa Alliance when looking at the national average rates for auto insurance.

Even so, Erie may not be the lowest or best option for every driver out there. Car insurance companies vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Alfa Alliance or Erie is really the best for you, keep reading to see average rates for each company broken down by a bunch of different rate factors.

Alfa Alliance or Erie: Average Car Insurance Rates by State

Alfa Alliance and Erie only compete against each other in Virginia, where Erie offers the cheaper average premiums. For Virginia residents, Erie offers insurance for $107 a month on average. Alfa Alliance's average prices come out to be over 70% more expensive, at $194 per month.

That being said, there's a lot more that goes into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Alfa Alliance for their car insurance pay nearly $60 less than those who use Erie.

However, both carriers will offer you dramatically lower prices once you turn 25. Erie offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Alfa Alliance's average premiums lower almost 15% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Alfa Alliance and Erie specifically, which carrier is best for retired drivers? Erie gets the edge, with prices for drivers 65 and older more than 25% more affordable than the national average for Alfa Alliance.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally less expensive for married drivers than they are for single policyholders? This usually boils down to married couples having several cars on their policy -- something several auto insurance companies will reward with discounts.

When it comes to relationship status, Erie is the clear winner for those who are single, with premiums around $33 a month cheaper than Alfa Alliance, on average. The advantage for married policyholders with Erie is also obvious, where drivers save over 30% per month.

Alfa Alliance vs. Erie: Average Rates by Gender

You may not know, but insurance is normally more expensive for men than for women. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

With Alfa Alliance, men usually pay about $1 a month more than women, and more than $10 with Erie.

When it comes to the lowest premiums for each gender, Erie comes out on top for both men and women, with average rates $37 less for men and $47 cheaper for women.

Alfa Alliance or Erie: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability insurance, Erie typically offers less expensive prices of $91 compared to Alfa Alliance's $103. When it comes to full coverage policies with similar limits, Erie again has the edge, with policies around $70 per month more affordable than Alfa Alliance, on average.

Is Alfa Alliance or Erie Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault accidents lead to higher rates, but which company -- Alfa Alliance or Erie -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their premiums to go up an average of $23 a month if they get a ticket, while Erie generally raises rates about $18 per month, on average.

That being said, Alfa Alliance is normally the cheaper option for drivers both with clean records and with a speeding ticket, offering premiums that are $12 and $7 more affordable, respectively, compared to Erie Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance drivers who get in a collision can expect to see their prices increase by just under 35%, while those who have insurance through Erie will see around a 25% increase.

Overall, Erie offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $157 compared to Alfa Alliance Insurance's $162.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Alfa Alliance drivers usually see a 72% raise in their car insurance premiums after a DUI charge, while Erie will usually increase prices by about 40%.

How does Credit Score Impact Alfa Alliance and Erie Rates?

Did you know that many insurance carriers take into account your credit score when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of policyholders.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive rates.

So, which carrier offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alfa Alliance or Erie Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly insurance cost. Generally, those who drive less will end up with cheaper prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly rates for Erie, with drivers who put 6,000 miles on their car annually paying around $11 less each month compared to those who drive 12,000 miles yearly. Still, Erie is the more affordable option for drivers in both categories.

Alfa Alliance vs. Erie: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for auto insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Erie boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both companies, but Erie comes out on top with average rates about $115 monthly. Erie also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 3% and 38% a month respective difference when compared to Alfa Alliance drivers in similar areas.

Alfa Alliance vs. Erie Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Alfa Alliance and Erie so that you can find the company that has the most discounts and, therefore, the biggest savings.

Erie blows Alfa Alliance away when it comes to the sheer amount of discounts available, offering 21 different discounts to Alfa Alliance's 10.

There are a couple discounts both carriers offer, but Erie also offers ABS discounts, anti-theft discounts, COVID-19 relief discount, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- discounts for being a good student, discounts for being a homeowner, intra-agency transfer discounts, and more.

Final Thoughts: Is Alfa Alliance or Erie Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Alfa Alliance or Erie the right one for you and your specific profile and needs?

Erie might be best for you if....

• You have a DUI charge on your record.
• You live in an urban area.
• You've started working from home and don't have much of a commute.

Alfa Alliance might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You've been pulled over for speeding recently.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Alfa Alliance and Erie and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Alfa Alliance and Erie. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Alfa Alliance vs. Erie FAQs

Is Alfa Alliance or Erie cheaper?

Looking just at the national average rates, Erie is the more affordable of the two companies, offering average rates of $153 per month compared to $194 for Alfa Alliance. Even so, Erie won't necessarily be the cheapest carrier for every driver, since there are many different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Erie?

Sadly, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Alfa Alliance and Erie offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the prices they charge policyholders. Things like age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Erie calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Alfa Alliance or Erie is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Alfa Alliance or Erie at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.