While State Farm has a solid reputation for offering good rates, Erie is considered a more affordable option. Erie is highly rated with stellar customer support and suburb coverage options. Both companies use agents in their operating territories, so you can gain access to personalized service, but Erie has a better reputation.
Additionally, while State Farm reviews the premium costs every six months, Erie allows you to lock in your rate. So, unless your circumstances change, such as changing your vehicle or moving home, you can keep your car insurance costs stable. This makes Erie the better option.