Home Insurance Erie vs. Auto-Owners: Auto and home insurance bundling Erie outscores Auto-Owners in customer service and claims handling and has lower average rates when bundling home and auto insurance thanks to a larger discount; Auto-Owners has lower average combined rates before the bundle discount and is available in more states. View Carriers Please enter valid zip Compare top carriers in your area Written by Tonya Sisler | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Kasperowicz is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com. | Posted on: July 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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-OwnersInsure.com overall rating4.634.51Best forCheaper bundled auto and home insurance ratesAvailability in more statesCustomer satisfaction rating4.433.86NAIC rating0.380.34AM 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-OwnersPros:Pros: Lower bundled auto and home insurance ratesHigher financial ratingsHigh customer and claims satisfaction ratingsLower average home insurance ratesCons:Cons: No online quotesNo online quotesOnly 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 $1,000 deductible, but not making it clear that the deductible for wind and hail is 5% of the home value (5 figures),” he says. CompanyAvg annual auto premium Avg annual home premium Total without bundle Total with bundle % discount$ savingsErie$1,570 $2,378 $3,948 $3,332 15%$616Auto-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 satisfiedErie90%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 satisfiedErie85%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. 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By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin On this page Insure.com compares Erie vs. Auto-Owners for auto and home bundlingInsure.com rating comparison for Erie vs. Auto-OwnersErie vs. Auto-Owners: Pros and consErie vs. Auto-Owners: Which has the most affordable rates?Erie vs. Auto-Owners: Customer satisfactionErie vs. Auto-Owners: Claims handlingThe bottom line: Erie vs. Auto-Owners auto and home bundling ZIP Code Please enter valid ZIP See rates