Driver type Erie liability-only monthly premium Erie full coverage monthly premium Clean driving record $123 $121 Speeding ticket on driving record $93 $167 At-fault accident on driving record $92 $166 DUI on driving record $96 $174 Teen driver $123 $222 Senior driver (60s) $45 $81 Senior driver (70s) $44 $80 Data sourced from Insurify For instance, Erie provides car insurance policies in New York, while Auto-Owners does not; and Auto-Owners provides policies in Michigan, while Erie does not. GEICO and Erie's average car insurance rates are comparable, but your rates with one company might be higher or lower depending on your coverage needs and driver profile.