USAA vs. Erie: Which is the cheapest?

USAA’s national average rates are slightly cheaper than Erie’s, but both insurers offer cheaper rates than the nationwide average of $99 per month for liability coverage.

Remember, your personal quote varies based on important factors like your ZIP code, driving profile, age and gender, coverage amount, and more.[2]

USAA: Cheapest for drivers with a clean driving record

Drivers with a clean record pay lower rates because they’re less likely to file a claim. Good drivers can find the cheapest liability car insurance quotes with USAA.

Clean driving record$52$73

Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.

USAA: Cheapest for drivers with a speeding ticket

Drivers with a moving violation, such as a speeding ticket, have an increased risk of engaging in reckless driving behavior and causing an accident. If you have a previous speeding violation, you’ll typically find cheaper liability rates with USAA.

Drivers with a speeding ticket$69$101

Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.

USAA: Cheapest for teen drivers

Teen drivers pay some of the highest rates for auto insurance, as new drivers are more likely to cause an accident. Fortunately, young drivers may find cheaper options with USAA. Compare each company’s liability-only rates in the table below.

Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.

Erie: Cheapest for senior drivers

Senior drivers who are 70 and older may pay higher insurance premiums as age-related conditions increase the likelihood of an accident. If you’re a senior driver, you may qualify for slightly lower rates with Erie, though both companies have competitive liability-only rates for older drivers.

Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.

USAA: Cheapest for drivers with bad credit

Drivers with bad credit experience elevated prices on their insurance bills. If you’re a driver with a low credit score, USAA is best for budget-friendly auto coverage.

Drivers with bad credit$62$122

Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.