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Erie Car Insurance Review (With Quotes, 2022)

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Why you can trust Insurify

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Updated August 31, 2022

Award-winning customer service and claims satisfaction for an average of $52 per month? Welcome to the world of Erie Insurance. If you live in Erie’s 12-state coverage area, which spreads from the mid-Atlantic to the mid-South and up to the Midwest, you should absolutely put it on your list of potential auto insurance companies.

But don’t stop there. Only diligent comparison shoppers get the lowest car insurance rates. For the easiest quote-comparison experience, check out Insurify is here. Choose the best policy from a list of quotes from top companies personalized to your unique driver profile. It only takes a few minutes: give it a shot!

Erie in a Nutshell

  • The average cost of car insurance with Erie is $52 per month.

  • Erie is good for drivers who want low rates, great customer service, and lots of add-ons.

  • Erie isn't the best option for customers who need a mobile app or live outside of its 12-state coverage area.

Erie Industry Rankings and Scorecard

The numbers speak well for Erie auto insurance. It achieves top rankings in almost every metric, and Insurify gives it a composite score of 85 out of 100. J.D. Power gives Erie some of the highest-rated claims and customer satisfaction scores in the industry, and the National Association of Insurance Commissioners (NAIC) reports an average number of complaints.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Industry RankingErie Rating
Insurify Composite Score (ICS)85 out of 100
J.D. Power835 out of 1,000
A.M. BestA+
NAIC Complaint IndexLess complaints than average

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Erie Car Insurance Quotes by Driver History

You can see that these rates from Erie Insurance easily beat national averages. Policyholders with clean records will see super-low premiums. Meanwhile, an at-fault accident will raise Erie customers’ premiums significantly, and a DUI puts the best rates available out of reach. Still, the numbers are clear: Erie Insurance has cheap auto insurance coverage for any driver.

Driver ProfileErie Average Monthly PremiumNational Average
Clean Record$48$77
DUI$86$155
At-Fault Accident$65$113
Speeding Ticket$55$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Erie Car Insurance Quotes by State

Providers take location seriously. Depending on your state insurance requirements and the level of congestion and accident rates in your area, you could be looking at very different auto insurance rates depending on where you live. In the case of Erie Insurance, notice that Illinois, whose population consists mostly of metro Chicago, has much higher rates than Wisconsin.

StateErie Average Monthly Premium
Illinois$73
Maryland$67
New York$81
North Carolina$38
Ohio$32
Pennsylvania$37
Tennessee$45
Virginia$63
Washington, D.C.$58
West Virginia$37
Wisconsin$38
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Erie Car Insurance Pros and Cons

Erie’s insurance products are highly rated and well-priced, making it a compelling choice for auto insurance—especially if you fold it in with life insurance, homeowners insurance, or renters insurance for a multi-policy discount. Perhaps most disappointing to potential Erie Insurance customers is that insurance policies are only available in 12 states.

Pros

  • Great customer satisfaction ratings

  • Low rates no matter your driving record

  • Plenty of insurance products for bundling

Cons

  • States outside Erie’s service area

  • No mobile app

See More: Best & Worst Sites to Compare Car Insurance Quotes

Erie Car Insurance Discounts

Erie offers a full suite of auto insurance discounts, among them a well-known Rate Lock program and a few creative ways for young drivers to save money. Multi-policy discounts from bundling home insurance or life insurance with your car insurance are a nice way to bring down your auto insurance rates. Here are some other discounts you can expect from Erie.

Driver-Based Discounts

Erie has a plethora of auto insurance discounts for safe, studious, and young drivers. Some include “Rate Lock” that stabilizes premiums, accident forgiveness for loyal policyholoders, safe driving discounts for clean record, good student and student away discounts, and vehicle storage discounts if you’re not planning on driving for three months or more.

Policy-Based Discounts

Erie Insurance advertises a discount for paying your premium up front. That’s nothing new, but every little bit helps when you’re signing an auto insurance policy.

Bundling Discounts

With business insurance, life insurance, home insurance, renters insurance, and other such insurance products, the opportunities for bundling insurance policies and scoring multi-policy discounts are abundant with Erie Insurance. These will vary by state but can be very helpful to your auto insurance rates and, according to Erie’s website, range from 16 to 25 percent.

See More: Cheap Car Insurance

Erie Car Insurance Coverage Options

Erie Insurance provides the standard bodily injury and property damage liability coverage every driver needs to be on the road legally. But it sure doesn’t stop there. Erie auto insurance policies come with tons of add-ons to their coverage that many insurance providers don’t offer.

In addition to full-coverage, liability coverage, medical payments, and uninsured/underinsured motorist coverage that are part of standard auto insurance policies, Erie takes pains to pile on extras that it hopes Erie customers will be grateful for, from a diminishing deductible add-on and pet insurance to roadside assistance, glass repair, and locksmiths.

Pet Coverage

Because what do you need to protect more than anything? If your pet gets hurt in an accident, Erie will cover the bill up to $500 per pet for up to two pets. Now that’s the mark of an insurance company that keeps the whole family in mind.

Glass Repair

Erie offers auto glass repair coverage that doesn’t come out of your deductible on every comprehensive insurance policy. That can be a costly inconvenience that you don’t have to think about when it’s covered on every Erie Insurance full-coverage policy.

Diminishing Deductible Program

Erie policyholders can opt in to a program that lowers their deductible over time. Every year you go without filing a claim, you watch your deductible drop by $100, up to $500. That can pay off big time should you ever be in the unfortunate position of filing a claim.

Roadside Assistance

Like most car insurance companies, Erie has roadside assistance built into its insurance policies and rental assistance if you need to drive a rental car while yours is in the shop. Additionally, Erie offers a $75 reimbursement for unexpected food or lodging costs if you’re traveling and a problem with your car disrupts your plans.

See More: Compare Car Insurance

Erie Car Insurance Reputation

Is Erie car insurance good?

Erie car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Erie is $52.

The auto insurance industry is not known for making people feel good. Why else would insurance companies have to spend so much on advertising? But in this department, Erie Insurance is a breath of fresh air: it’s got one of the best reputations out there for low rates and high customer satisfaction.

Erie Customer Service

Erie Insurance is a top auto insurance company for customer service. Instead of chat-bots on a mobile app, Erie employs local agents for you to contact directly for your customer needs. If that’s not your speed, you might be better off with a more tech-enabled insurance company.

Erie Claims Filing Process

Erie’s claims satisfaction ratings lead the industry. Erie Insurance makes clear that you will likely have a working relationship with your insurance agent and be able to call them in the event of making a claim. Otherwise, they ask that you call 1 (800) 367-3743 to start your claim.

See More: Car Insurance Quotes

Erie: Is it right for you?

If you live in Erie’s 12-state coverage area, it’s worth contacting them for an insurance quote. But signing an insurance policy is a big decision, and you should always consult a range of insurance companies for quotes before buying auto insurance. Luckily, Insurify will get you all the insurance quotes you need in one place in only a few minutes. And of course, it’s free.

Frequently Asked Questions

  • If a good insurance company exists in the auto insurance industry, Erie Insurance has to be one. It has award-winning claims satisfaction alongside lower-than-average rates. Where else do you get that combination? The disadvantages to Erie are its lack of technological accessibility (no mobile app) and the fact that it only sells insurance in 12 states.

  • On average, an auto insurance policy from Erie Insurance costs $52 per month, according to Insurify. This is down in the range of companies like GEICO that offer super-affordable insurance coverage, but with Erie, affordable rates come with award-winning customer satisfaction.

  • Erie Insurance offers all the discounts you’d expect of an insurance company that also offers life insurance, business insurance, renters insurance, and homeowners insurance: opportunities for multi-policy discounts abound. But they also have some atypical programs like a Rate Lock program to make sure your premiums don’t go up and accident forgiveness.

  • Finding the cheapest car insurance is all in the effort you put into the search. And for that, Insurify has your back: it’ll help you compare real quotes from the best insurance companies in the industry, all in one place. It’s free and takes only a few minutes. Try it out!

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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