Auto insurance · Updated August 2026
Allstate vs Erie Insurance
Allstate is built for drivers who want a local agent and bundled home coverage. Erie Insurance is built for agent-served drivers in the East and Midwest. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Erie Ins. Exchange drew 0.55, against an industry median of 1.00. AM Best rates both companies A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Armando Chavarria, licensed insurance agent · NPN 17042827
The short answer
Allstate has written auto since 1931 and writes through Allstate group companies. Its iOS app holds 4.79 stars across 1,257,155 ratings. The tradeoffs: it drew 0.82 on the 2025 complaint index against Erie Insurance's 0.55, and it writes five lines against Erie Insurance's six.
Erie Insurance has written auto since 1925 and writes through Erie Insurance Exchange. Erie Ins. Exchange drew 0.55 on the NAIC's 2025 complaint index, 108 complaints on $4.1 billion of private-passenger premium. It writes six lines: auto, home, renters, life, umbrella, and commercial. The tradeoff: its app holds 4.38 stars against Allstate's 4.79.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Allstate vs Erie Insurance: the data sheet
Sources are listed under the measured figures. How we compare
Allstate | Erie Insurance | |
|---|---|---|
| Built for | Drivers who want a local agent and bundled home coverage | Agent-served drivers in the East and Midwest |
| Who underwrites it | Allstate group companies | Erie Insurance Exchange |
| Complaints per policyErie Insurance, ahead of Allstate | 0.82 454 complaints on $11.7B written | 0.55 108 complaints on $4.1B written |
NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs Erie Ins. Exchange · 1.00 is the industry median | ||
| Financial strengthTied at A+ | A+ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyErie Insurance, if you want to bundle | 5 lines auto, home, renters, motorcycle, life | 6 lines auto, home, renters, life, umbrella, commercial |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appAllstate | 4.79 1,257,155 ratings | 4.38 2,713 ratings |
Apple App Store, August 2026 | ||
| Telematics program | Drivewise | YourTurn |
| Availability | All 50 states | Available in 12 states and Washington, D.C. |
| Known for | Drivewise rewards, Milewise pay-per-mile in some states | ERIE Rate Lock, first-accident forgiveness |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Erie Ins. Exchange drew 0.55, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates both companies A+. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Allstate policies are written by Allstate group companies. Erie Insurance policies are written by Erie Insurance Exchange. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Allstate writes five lines and Erie Insurance writes six lines. Allstate writes auto, home, renters, motorcycle, and life. Erie Insurance writes auto, home, renters, life, umbrella, and commercial. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Allstate or Erie Insurance?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Allstate writes in all 50 states. Erie Insurance writes in 12 states and Washington, D.C. Where only one of them writes in your state, the comparison answers itself.
Telematics moves the number. Both run a program: Drivewise at Allstate, YourTurn at Erie Insurance. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.