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Erie and Auto-Owners are both major super-regional insurance companies; neither offers coverage in all states, and both work solely through independent agents, not offering quotes online. Both are solid companies with good reputations, and both offer home and auto bundling.

Erie offers cheaper bundled rates thanks to a larger discount; when combined, Auto-Owners rates are actually lower before the discount. As a result, which company is cheaper for you will likely depend on where you live and other factors that impact your rates.

Keep reading to compare Erie and Auto-Owners for auto and home bundling based on rates and more.

Key Takeaways

  • Erie’s bundled auto and home insurance is cheaper than Auto-Owners due to a larger discount; before the discount, Auto-Owners’ combined rates are lower.
  • Erie scored very high in customer service and claims satisfaction.
  • Auto-Owners offers coverage in more states than Erie.

Insure.com compares Erie vs. Auto-Owners for auto and home bundling

Erie has fantastic customer satisfaction ratings and higher claims satisfaction ratings than Auto-Owners. In addition, Erie’s bundled auto and home rates are cheaper because they offer a higher multi-policy discount.

Auto-Owners, with its superior financial stability rating, offers a wide range of coverage. It is available in 26 states, compared to 12 states where Erie offers coverage. It has lower average combined rates before the bundle discount is applied; because discounts vary by state, it could be cheaper for you.

Insure.com rating comparison for Erie vs. Auto-Owners

Both companies are solid choices, but each excels in certain areas. Erie earned a higher Insure.com rating in the 2024 Best Home Insurance Companies ranking at 4.63, compared to the Auto-Owners rating of 4.51. Erie comes out on top for cheaper bundled rates and customer satisfaction. However, Auto-Owners has a better financial rating and complaint ratio.

Comparison metricsErieAuto-Owners
Insure.com overall rating4.634.51
Best forCheaper bundled auto and home insurance ratesAvailability in more states
Customer satisfaction rating4.433.86
NAIC rating0.380.34
AM Best ratingA+A++
State availabilityIL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WIAL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MO, NE, NC, OH, PA, SC, SD, TN, UT, VA, WI

Erie vs. Auto-Owners: Pros and cons

The table below compares the pros and cons of Erie and Auto-Owners insurance. For example, Erie provides cheaper average bundled insurance rates but only offers coverage in 12 states. Also, Auto-Owners offers cheaper average home insurance rates, but quotes aren’t available online.

ErieAuto-Owners
Pros:Pros: 
Lower bundled auto and home insurance ratesHigher financial ratings
High customer and claims satisfaction ratingsLower average home insurance rates
Cons:Cons: 
No online quotesNo online quotes
Only available in 12 statesSmaller bundling discount

Erie vs. Auto-Owners: Which has the most affordable rates?

Erie offers cheaper average auto insurance rates and bundled home and auto coverage with an average discount of $616. This discount is a result of Erie’s multi-policy discount, which is higher than Auto-Owners.

However, Auto-Owners offers more affordable home insurance and rates when home and auto coverages are not bundled. 

“When comparing insurance rates, it is most important to understand what isn’t covered, what categories have limitations, and if certain types of claims have a separate deductible,” says Zack Pope of David Pope Insurance

“Deductibles are important to know as I’ve seen people purchase a home insurance policy where they’re told it’s a $1,000 deductible, but not making it clear that the deductible for wind and hail is 5% of the home value (5 figures),” he says.

CompanyAvg annual auto premium Avg annual home premium Total without bundle Total with bundle % discount$ savings
Erie$1,570 $2,378 $3,948 $3,332 15%$616
Auto-Owners$1,789 $2,097 $3,887 $3,417 12%$470

Erie vs. Auto-Owners: Customer satisfaction

According to our survey of insurance customers, 90% of Erie’s customers are satisfied with their service, compared to 69% of Auto-Owners customers.

CompanyPercentage of customers who are satisfied
Erie90%
Auto-Owners69%

Erie vs. Auto-Owners: Claims handling

Erie also excelled at claims handling. While 85% of Erie customers are satisfied with how their claims were handled, 75% of Auto-Owners customers said they are satisfied.

CompanyPercentage of customers who are satisfied
Erie85%
Auto-Owners75%

The bottom line: Erie vs. Auto-Owners auto and home bundling

Erie Insurance is a good option if you live in a state where coverage is available. Erie not only offers cheaper bundled auto and home insurance than Auto-Owners, but it also has high customer and claims satisfaction ratings. This should instill confidence in your choice.

Auto-Owners insurance is available in more states than Erie but doesn’t offer nationwide coverage either. Home insurance and unbundled auto and home coverage are also cheaper on average with Auto-Owners. 

However, it’s important to note that neither Auto-Owners nor Erie quotes aren’t available online. To get a quote, you’ll need to contact an agent who can provide you with a personalized quote based on your specific needs and circumstances. It’s important to get personalized quotes to compare rates for your needs.

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