Allied Property & Casualty vs. Erie: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Allied Property & Casualty offers significantly more affordable premiums than Erie
• Allied Property & Casualty offers more affordable prices for policyholders who have a short commute
• Erie offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Erie: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Allied Property & Casualty or Erie for your next policy, but between the two, which company will save you the most?

Looking at nationwide averages, Allied Property & Casualty is about $35 per month less expensive than Erie.

Even so, that doesn't mean Allied Property & Casualty will necessarily be cheaper than Erie for each driver. Car insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and tons of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Allied Property & Casualty or Erie is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Allied Property & Casualty or Erie: Average Car Insurance Rates by State

Allied Property & Casualty and Erie only compete against each other in two states, with Erie offering more affordable premiums to the average driver in all of them. North Carolina has the most noticable difference, where Erie prices are over 15% less expensive than auto insurance rates at Allied Property & Casualty.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. Generally, that'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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their car insurance pay more than $80 less than those who use Erie.

That being said, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Allied Property & Casualty policyholders reduce over $100 and Erie's premiums drop around $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which company offers the best rates to retired drivers? Allied Property & Casualty gets the edge here, with average premiums coming in at about $89 per month compared to Erie's $116.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance rates than married drivers. That's typically because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with prices around $40 a month cheaper than Erie, on average. The advantage is also clear for married policyholders - Allied Property & Casualty offers the lowest average rates.

Allied Property & Casualty vs. Erie: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

Men normally pay about $6 per month more than women with Allied Property & Casualty, and around $11 more with Erie.

When it comes to the most affordable prices for each gender, Allied Property & Casualty comes out on top for both men and women, with average premiums $37 less for men and $32 cheaper for women.

Allied Property & Casualty 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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability insurance, Allied Property & Casualty usually offers more affordable rates of $69 compared to Erie's $91. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $50 a month less expensive than Erie, on average.

Is Allied Property & Casualty or Erie Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and accidents lead to higher premiums, but which carrier -- Allied Property & Casualty or Erie -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their premiums to go up an average of $21 per month if they get a ticket, while Erie normally raises prices around $18 a month, on average.

However, Allied Property & Casualty is generally the cheaper option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 35% more affordable for drivers with clean records and 28% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their rates increase by over $40, while those who have insurance through Erie will see about a $40 increase.

Overall, the less expensive premiums come from Allied Property & Casualty, with monthly prices averaging $119 compared to Erie Insurance's $157.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than an accident or ticket. Allied Property & Casualty drivers usually see a 57% increase in their car insurance premiums after a DUI charge, while Erie will generally climb rates by around 40%.

How does Credit Score Impact Allied Property & Casualty and Erie Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly auto insurance prices. This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

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 cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Erie Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance cost. Usually, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly prices for Erie, with drivers who put 6,000 miles on their vehicle each year paying about $11 less every month compared to those who drive 12,000 miles annually. Still, Allied Property & Casualty is the less expensive option for drivers in both categories.

Allied Property & Casualty vs. Erie: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a considerable impact on your monthly auto insurance payment. Normally, 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.

When comparing these two companies side-by-side, Allied Property & Casualty generally comes out as the more affordable option for drivers in urban and suburban areas, while Erie wins in rural areas.

If you live in a rural area, you can expect to pay around $115 a month with Erie and $117 with Allied Property & Casualty. Drivers in suburban ZIP codes pay a monthly rate of about $121 with Allied Property & Casualty compared to $145 with Erie. In urban areas, Allied Property & Casualty's average rates are around $117 per month compared to Erie's $194.

Allied Property & Casualty vs. Erie Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Allied Property & Casualty and Erie so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Erie has the advantage when it comes to total number of discounts. Allied Property & Casualty offers a grand total of 16 discounts, while Erie has 21.

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

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- EFT discounts, employee discounts, discounts for being a good student, and more.

Final Thoughts: Is Allied Property & Casualty or Erie Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which company is the right carrier for you and your specific profile and needs?

Allied Property & Casualty might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for more protection with "full coverage" auto insurance.
• You don't spend much time in your car.

Erie might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for discounts -- Erie has the most.
• You live in a rural area.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and Erie and that it aids in making a more informed decision about 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 several carriers, not just Allied Property & Casualty and Erie. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Allied Property & Casualty vs. Erie FAQs

Is Allied Property & Casualty or Erie cheaper?

Looking just at the national average prices, Allied Property & Casualty is the cheaper of the two carriers, offering average rates of $118 a month compared to $153 for Erie. But Allied Property & Casualty won't necessarily be the most affordable company for everyone, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Erie?

Sadly, the real answer is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique auto insurance profile looks like. For example, Allied Property & Casualty offers less expensive premiums for drivers with a recent DUI, while Erie is more affordable for drivers with excellent credit.

Why do Allied Property & Casualty and Erie offer me different rates?

Insurance companies take a look at several different variables when calculating the prices they charge drivers. Things like where your home is, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Erie use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Allied Property & Casualty or Erie is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Allied Property & Casualty 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.