Erie vs. Nationwide: Which Is the Best? (2026)

Erie vs. Nationwide: Which is the cheapest?

Erie tends to offer cheaper rates than Nationwide. But your rates will vary based on your age, location, ZIP code, gender, driving record, credit history, and more.[2]

Explore how average rates vary across different driver profiles in the following sections.

Erie: Cheapest for drivers with a clean driving record

Generally, drivers with clean records lock in the best rates because insurers don’t consider them as high risk. Compared to Nationwide, Erie offers the cheapest car insurance rates for drivers with a clean record.

Clean driving record$68$93

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 drivers with a speeding ticket

Your insurer will likely increase your rates after a speeding ticket because companies consider speeding a high-risk driving behavior. Even if you have a speeding ticket, you can still find affordable rates. Compared to Nationwide, Erie offers cheaper rates for drivers with a speeding ticket.

Drivers with a speeding ticket$95$125

Erie: Cheapest for teen drivers

Age plays a big role in determining your rates. Teen drivers pay more for car insurance than more experienced drivers because they lack experience and engage in risky behaviors. Young drivers looking for the cheapest rates often find a better option through Erie than Nationwide.

Erie: Cheapest for senior drivers

Erie offers senior drivers cheaper rates than Nationwide, on average. Seniors pay some of the cheapest rates because they’re more experienced. As a mature driver, don’t hesitate to shop around to find the best rates for your situation.

Erie: Cheapest for drivers with bad credit

Drivers with a poor credit history often receive higher rates. Insurers view poor credit as an indicator that you’re more likely to submit a claim in the future. Besides improving your credit, drivers can secure affordable rates from Erie.

Drivers with bad credit$114$114

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