Headquartered in Erie, Pennsylvania, this regional auto insurance provider offers several perks, including the ability for customers to lock their rate in after purchase, accident forgiveness, and a vanishing deductible.
Who benefits most and least from Erie Auto Insurance?
- Drivers who like a good bargain
- Pet owners
- People who prefer to support small, regional brands
Not the Best For…
- Tech-savvy drivers who want an easy app
- Drivers with a few incidents on their record
Erie Auto Insurance: Are local service and competitive costs worth it?
Although Erie Insurance is well-loved throughout the eastern United States, the nearly century-old company falls short on the tech side of things.
Most notably, the company lacks a usable mobile app; instead, it requires customers to use a website or a local agent to do things like file a claim. But its low rates and straightforward service help Erie Insurance retain customers, often for many years. Could Erie be right for you? Read on to find out.
Erie Car Insurance Ratings
Insurify gives Erie an Insurify Composite Score of 85/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
|Overall Satisfaction||Among the best|
|Local Agent||Among the best|
|Policy Offerings||Better than most|
|Pricing||Among the best|
U.S. Auto Insurance Claims Satisfaction Study (2018)
|Overall Satisfaction||Better than most|
|First Notice of Loss (FNOL)||Better than most|
|Rental Experience||Among the best|
|Repair Process||Among the best|
|Estimation Process||Among the best|
|Claim Servicing||Better than most|
|Settlement||Better than most|
J.D. Power Ratings by Region (out of 1,000)
|North Central||845||Among the best|
|Mid-Atlantic||854||Among the best|
Financial Strength Ratings
|Standard & Poor's||A|
Erie Car Insurance Quotes and Discounts
Shopping around for auto insurance is one of the best ways to get yourself a great deal.
Auto insurance isn’t like other products that have relatively uniform costs across retailers. Instead, it’s highly personalized. Your rate is dependent on things like your driving record, where you live, the type of car you drive, and even your marital status. Different insurance companies evaluate each of these factors differently, resulting in a variety of rates that can differ from one another quite a bit.
Auto Insurance Quotes Comparison: Erie Insurance vs. GEICO, Progressive, and More
To see just how competitive Erie’s rates are, Insurify’s data team compared real-time car insurance quotes from Erie to those from its major competitors. Below are the quotes for a 42-year-old female driver from Cleveland, Ohio who drives a 2010 Honda Civic and has a clean driving record:
For this particular driver, Erie can’t boast lower rates than industry stalwarts like GEICO or Progressive, nor does it beat out the desirable rate offered by SafeAuto. But what if this same driver had one speeding ticket on her record?
While our driver’s Erie quote only increases by about four percent, she can apparently still score more savings with the bigger companies.
How does one at-fault accident change this driver’s rates?
Erie weighed this driver’s speeding ticket and at-fault accident as equivalent penalties, whereas competitors hiked her rates even more. That’s something to keep in mind if you don’t have a spotless driving record but are concerned about skyrocketing insurance rates.
Finally, here’s our driver with a clean record once again, but this time with a spouse and child added to her personal auto policy:
These quotes might not yet take potential multi-driver discounts into effect. That’s why after comparison quote shopping, it’s imperative to squeeze out as many discounts as you can from your chosen insurance provider.
These quotes just apply to our sample driver…not to you (even if you are a 42-year-old Clevelander)! Remember, the only way to find the cheapest and best car insurance policy for you is to run your info through Insurify.
Drivers Can SAVE with these Discounts from Erie Insurance
Looking to lower your car insurance package even more? Some notable discounts offered to auto policyholders with Erie include:
- Multiple Vehicle Discount: Up to 15 percent
- Prepay Discount: Up to 7 percent
- Anti-Theft Device Discount: Up to 5 percent
- Anti-Lock Brake Discount: Up to 5 percent
Erie also offers a good driver discount program that uses a telemetrics-based app to measure each individual’s driving habits. Additionally, its Feature 15 discount applies to policyholders who have stuck with Erie for 15 years (if their driving has been accident-free). Drivers who qualify for Feature 15 never incur surcharges for an at-fault accident.
Other discounts that Erie provides, at varying rates of discount to your premium, include low mileage discount, defensive driver discount, senior adult discount, student away at school discount, youth loyalty discount, youth driving discount, passive restraint discount, and multiple policy discount.
States Where Erie Insurance is Offered
Car insurance from Erie is available throughout the Great Lakes and Mid-Atlantic states. These are Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Erie also covers drivers in the District of Columbia.
Click here to find the cheapest car insurance quotes in your state.
Erie Auto Insurance Coverages
Although each state has its own coverage requirements, you can expect the following from a basic auto insurance policy with Erie:
Bodily Injury Liability
If you’re involved in an accident that injures someone, bodily injury liability coverage (one of two mandatory components of liability insurance coverage) will cover at least some of that person’s medical bills. It can even offer reimbursement if the injured party loses income as a result of the accident.
Property Damage Liability
Knock over a mailbox or leave tire tracks in someone’s yard? This is where property damage liability insurance comes in handy. With this coverage, you won’t need to pay out-of-pocket to repair this kind of damage. Erie Insurance lets you decide how much property damage liability coverage you wish to carry.
Collision coverage ensures that you’re covered in case of—you guessed it—a collision with another car or even an unmoving object like a guardrail. This type of coverage offers peace of mind in case of an auto accident and can be applied regardless of which party was at fault.
Comprehensive insurance coverage essentially covers anything that’s not a collision—think theft, vandalism, or damage due to inclement weather. Like most insurance companies, Erie lets you choose how much comprehensive coverage you want, although each state has its own established minimum.
Other Special Auto Coverages Offered by Erie Insurance
Erie goes beyond the basics with coverage to ensure their customers are satisfied. Optional additions to your car insurance policy with Erie include:
If your dog is your co-pilot, you might enjoy knowing that he’s covered, too. If your pet is injured in a car accident, Erie offers coverage of up to $500 per pet (up to two pets covered). Although unanticipated vet bills can be quite steep, this type of coverage can take a good bite out of them.
Uh-oh, locked your keys in your car? It happens to the best of us. Erie offers locksmith coverage of up to $75 in case you need it. It’s part of the company’s physical damage coverage.
Rental Car Reimbursement
If you’re in an accident that puts your car out of commission, Erie offers rental car coverage to ensure you stay mobile. The company will pay for a rental car for you until your own vehicle is back on its “feet.” This service is part of Erie’s comprehensive coverage policy.
Although not unique to Erie, this feature is a great incentive for good drivers, and it doesn’t cost extra. With Diminishing Deductible, your deductible is reduced by $100 for each consecutive year without a claim. This program applies for up to five years.
Other Insurance Products Offered by Erie Insurance
Erie offers a host of insurance products, as well as a handsome bundling discount if you decide to switch. Options include:
- Motorcycle insurance: Coverage for your two-wheeled ride, including bodily injury and property damage coverage.
- Collector and classic car insurance: Erie offers a relatively robust set of options for well-maintained vintage and antique cars.
- Homeowners insurance: Whether you own a single-family home, a condo, or a mobile home, Erie’s home insurance can offer competitive coverage at reasonable rates.
- Flood insurance: Homeowners can rarely acquire accredited flood coverage through a private insurance company. Erie, however, offers annual flood insurance policies, usually for less than $1,000.
- Personal catastrophe liability insurance: Accidents of any kind can happen wherever and whenever—and often aren’t covered by state minimum auto and home insurance policies. This type of umbrella policy can help ensure that you won’t be liable for out-of-pocket costs, even if you’re involved in an accident internationally. This type of coverage follows you anywhere you travel.
- Life insurance: Ensure your family’s ongoing security after your death with a whole life, term life, or universal life insurance policy from Erie.
- Business insurance: If you’re a business owner, Erie offers a variety of business insurance policies to keep you protected from accidents, litigation, and more.
How can I buy auto insurance from Erie?
Erie makes it reasonably easy to purchase a car insurance policy. Its website offers a streamlined, easy-to-use quote creator, after which you can decide to buy a policy. You can also use the “Find an Agent” tool on their website to directly contact an agent in your community.
Don’t forget that you can obtain quotes from multiple insurance companies and compare car insurance quotes right here on Insurify.
How can I pay for my Erie auto insurance policy?
Erie allows customers to make payments through a secure portal on their official website. Old-fashioned paper billing is also available, as is a paperless auto-pay option.
How often will Erie Insurance increase my premiums?
Erie offers a complimentary accident forgiveness option, maintaining your rate after your first at-fault accident. Keep in mind that this is only available for drivers who have been Erie customers for at least three years.
Erie’s Rate Lock feature keeps your rate uniform and steady until you make a change to your policy, avoiding surprise rate hikes.
How does Erie’s claims process work?
Erie offers a reasonably straightforward claims process.
You’ll notice a clear “Start a Claim” button at the bottom of each page on their website. Because Erie emphasizes local service, your agent is also a simple phone call away. Online reviews suggest that the experience of filing and managing a claim is highly dependent on the agent. While some are communicative and quick, some users report a slower process with a less responsive agent.
How can I cancel my Erie car insurance policy?
Existing Erie customers can cancel their policies through their online accounts or direct contact with their agents. Erie prides itself on local service and often emphasizes the importance of calling an agent directly, even if the action is available online.
If you need to switch insurance coverage providers, don’t forget to have a new policy at the ready to avoid a lapse in coverage. Insurify can help with that!
How much does Uber or Lyft coverage cost with Erie Insurance?
Costs for rideshare drivers depend on several factors, such as where the driver operates. But Erie’s website boasts improved coverage versus competitors thanks to the option of putting a “business use” designation on an individual’s existing Erie car insurance policy.
Rideshare drivers who qualify for this designation can expect to pay an extra $9 to $15 per month on their policy.
Insurance Companies Similar to Erie
Erie bills itself as a one-of-a-kind insurance provider, but some other regional options might suit those looking for the same kind of personalized, community-minded coverage.
American Family, Safeco, and Auto-Owners are similarly high-rated, small-sized car insurance companies.
According to Insurify’s internal database of over 1.9 million car insurance applications and our analysis of external sources, drivers who now hold Erie auto insurance often switched from the following companies:
Erie Customer Satisfaction and Policyholder Reviews
Erie is a relatively well-respected insurance company, according to customer reviews. Across the internet, negative Erie reviews are typically related to the communicativeness of each Erie agent, rather than complaints about the larger organization.
Users often cite Erie’s low rates as the initial attractant, and the company retains a good percentage of customers for multiple years.
Erie has an A+ rating from the Better Business Bureau (BBB).
Erie Insurance Mobile App Review
Erie has no central mobile app for policyholders but does have a telematics app used to gauge driving habits. That app is rated 3.3 out of only 17 reviews.
Frequently Asked Questions: Erie Car Insurance
Are Erie Insurance customers satisfied?
Generally, yes. Although review sites tend to attract dissatisfied customers, most reviews of Erie paint a picture of a loyal customer base that's generally satisfied with Erie's coverage options and customer-friendly independent agents.
Does Erie Insurance offer windshield replacement?
Your Erie auto insurance policy can certainly include windshield replacement. The company also offers a unique feature when it comes to windshield repair. If your windshield is damaged but can be repaired without entirely replacing it, Erie will waive your comprehensive deductible.
How can I get an Erie car insurance quote?
Drivers can get a car insurance quote on Erie's official website. However, this one quote might not be an accurate reflection of just how much drivers can save on their auto policy. Use Insurify's free quotes comparison platform to generate multiple custom-tailored car insurance quotes from various insurance companies. A side-by-side comparison can quickly and easily let you choose the perfect policy.
Is Erie the cheapest car insurance in your area?
It’s entirely likely that Erie will offer you the cheapest car insurance around. Many users report that Erie’s low rates are what initially attracted them to the company. However, insurance rates are highly variable depending on the individual policyholder.
Ultimately, the best way to know whether Erie is the cheapest option is by comparing quotes with Insurify.
You’ll be glad you had the power to build your policy and snatch up a great deal in a matter of minutes. Compare, Save, Discover with Insurify today!
Erie Auto Insurance Overview
Erie was founded in Pennsylvania in 1924 when the needs of drivers looked very different than they do today. As the company grew, its coverage area expanded out of Pennsylvania and into surrounding states. Today, Erie’s footprint extends from Wisconsin to North Carolina.
Erie operates exclusively through independent agencies scattered throughout 12 states. The company emphasizes local service but has struggled to compete technologically with larger competitors.
In addition to auto insurance, Erie offers home, life, and business coverage.
A.M. Best, a global credit rating agency, gives Erie a financial strength rating of A+, indicating a superior ability to pay out policyholders’ claims.
Erie Insurance Contact Information
|Customer service phone number||1 (800) 458-0811|
|Claims service phone number||1 (800) 367-3743|
|Headquarters address||100 Erie Insurance Place
Erie, PA 16530-1104