Erie Auto Insurance: User Reviews and Quotes (2024)

Erie Auto Insurance offers an assortment of unique coverage options, but user testimonials reveal issues with customer service and claims handling.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 30, 2024

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Customers with Erie can customize their policy from a wide range of coverage options. A standard Erie auto policy also includes complimentary features, like accident forgiveness and pet coverage, which provide more value for your premium. Unfortunately, Erie only sells its policies in 12 states and Washington, D.C.

Here’s what you should know about Erie insurance, including average costs and coverage options.

Quick Facts
  • Erie has an A+ (Superior) financial strength rating from AM Best, which indicates its ability to pay out policyholder claims.

  • Erie has fewer discounts than some similar competitors in the industry.

  • The company has a telematics program that provides driver rewards like gift cards, cash, or charitable donations rather than premium discounts.

How Erie compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo

Though its premiums are cheaper than the national average, Erie’s average rates are higher than those of similar regional competitors in the marketplace. It also has a limited discount menu, meaning fewer savings. 

But Erie ranks higher for customer service and satisfaction, based on ratings and scores from J.D. Power, the National Association of Insurance Commissioners (NAIC), and AM Best.

Pros
  • Excellent BBB, J.D. Power, and A.M. Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Cons
  • Available in only 12 states

  • Customers can’t buy a policy or file a claim online

Read more driver reviews of Erie Insurance
Satina - October 28, 2024
Verified

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana - October 25, 2024
Verified

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon - October 19, 2024
Verified

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
Factor
How Erie Compares
RatesHigher
Customer serviceBetter than competitors
DiscountsFewer than competitors
AvailabilityLess than competitors
Financial strengthWeaker than competitors

How Erie rates compare to competitors

Erie has higher average premiums than some competitors, though it does have cheaper rates than the national average.

See how full-coverage premiums from Erie and several of its competitors compare below.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of Erie auto insurance

Your driving record, age, and other factors determine how much you pay for coverage.[1]

Teenagers pay the highest average premiums by age due to a lack of driving experience. Senior drivers pay much lower rates than teens, but average premiums tend to increase again for drivers 70 and older. 

If you have past incidents on your record, like speeding tickets, at-fault accidents, and DUIs, you’ll pay much more for coverage than drivers with a clean record.

Compare average monthly liability insurance costs for Erie auto insurance by driving record and age below.

Driver
Erie Average Quote
National Average
Drivers with a clean record$50$104
Drivers with a speeding ticket$62$145
Drivers with an at-fault accident$66$151
Drivers with a DUI$83$172
Teen drivers$81$188
Senior drivers$34$79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Erie car insurance cost by state

Car insurance prices vary depending on which state you live in because different states enforce different requirements. Similarly, your area’s risk factors, like crime and accident rates, influence your insurance premiums.

Erie has fairly average rates compared to other insurers selling coverage in the same states. The table below highlights average monthly liability insurance quotes from Erie versus average rates in various states.

State
Erie Average Quote
State Average
Maryland$148$195
New York$327$207
North Carolina$41$55
Ohio$44$74
Pennsylvania$59$91
Tennessee$32$74
Virginia$56$97
Washington, D.C.$82$87
West Virginia$40$74
Wisconsin$30$62
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Erie car insurance discounts

Taking advantage of car insurance discounts can help you get the best deal on your policy. The more discounts you qualify for with an insurance company, the less you’ll pay for coverage.

Erie offers several discounts, including the following:

  • Multi-car

  • Multi-policy

  • Reduced usage

  • Young drivers

  • Safe driving

  • Safety features

  • Annual payment[2]

How customers feel about Erie

Erie earned high customer satisfaction rankings in a few regions in the J.D. Power 2023 U.S. Auto Insurance Study and a high claims satisfaction ranking in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.

But the company does have some negative reviews from previous customers. For example, Erie received a rating of 2.5 out of 5 stars on Trustpilot. Some customers expressed frustration with the company’s claims handling and customer service.

Erie customer reviews

Customer reviews provide valuable insight into other peoples’ experiences with a company. Here’s what some verified customers are saying about their experiences with Erie.

Satina - October 28, 2024
Verified

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.
Lana - October 25, 2024
Verified

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.
Shannon - October 19, 2024
Verified

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
Francis - October 13, 2024
Verified

Great Insurance

Awesome! They have great customer service.

Erie ratings

Erie has strong ratings in customer service and financial strength.

The company received an A+ (Superior) financial strength rating from AM Best, a leading credit-rating agency in the insurance industry. J.D. Power, a consumer intelligence firm, also gave it above-average customer satisfaction rankings in various regions. Finally, it scored well on the NAIC Complaint Index, revealing its low volume of complaints.

Learn more about the company’s ratings below.

Rating
Score
What This Means
AM BestA+Superior financial strength
J.D. Power912Above average for customer service in various regions
NAIC Complaint Index0.81Fewer complaints than expected for a company of its size

Erie car insurance coverage options

Erie offers standard state-minimum required insurance coverage, which includes liability insurance and — depending on your state — may also include personal injury protection and uninsured/underinsured motorist coverage. It also offers full-coverage car insurance, which contains collision and comprehensive coverage.

This auto insurance company offers a wide range of unique coverage options and features — more than some of its competitors in the industry. The company also has complimentary coverages for policyholders, like accident forgiveness, that other insurers may charge an extra premium for.[3]

Here are several of the coverage options that Erie offers:

  • illustration card https://a.storyblok.com/f/162273/150x150/e4caf71395/car-sharing-96x96-orange_040-shield.svg

    Rate Lock

    Erie’s Rate Lock ensures your insurance rates stay the same each year, even after filing a claim.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    First accident forgiveness

    First accident forgiveness prevents price increases on your policy after your first at-fault accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    Rental car reimbursement covers rental car expenses while your car receives repairs at the body shop after a covered loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance coverage pays for emergency services, like a vehicle tow, battery jump-start, or tire change, if your car breaks down.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    New car replacement

    If you total your new vehicle, new car replacement coverage can pay to replace your vehicle with the latest model.

  • illustration card https://a.storyblok.com/f/162273/150x150/7be6e3cd4d/veterinary-96x96-yellow_032-x-ray.svg

    Pet injury

    This covers vet expenses up to $1,000 if your pet sustains injuries in a covered accident.

  • illustration card https://a.storyblok.com/f/162273/150x150/b022eb76ef/buildings-96x96-green_svg-013-hotel.svg

    Travel expenses

    Erie has coverage that can pay for the additional travel costs you incur if your car breaks down due to a covered loss. This includes costs for meals and lodging.

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Other options for Erie customers

Take a look at a few non-car insurance products that Erie offers:

  • Home insurance: A home insurance policy protects your home’s structure and your personal belongings after a covered peril, like fire, theft, or a natural disaster. It also comes with personal liability coverage if someone sues you or another member of your household.

  • Renters insurance: Renters insurance protects your personal property after a covered loss and provides liability protection.

  • Business insurance: This coverage safeguards your businesses from risks like property damage, liability, and employee-related incidents.

  • Motorcycle insurance: Motorcycle insurance replaces or repairs your motorcycle after a covered accident and offers liability coverage for bodily injuries and property damages you cause.

  • Life insurance: A life insurance policy provides a death benefit to your beneficiaries if you pass away during your policy term.

How Erie YourTurn works

Erie YourTurn uses telematics data from a mobile app on your smartphone to monitor your driving. The app tracks habits such as your driving smoothness, speed, and phone use. It then utilizes that information to generate a score. 

Based on your score, you’ll receive driving rewards instead of a policy discount. You can choose to redeem your rewards in the form of gift cards, cash, or charitable donations.

Erie doesn’t use data from the app to determine your insurance rates, so you don’t need to worry about them increasing. It’s worth mentioning that you must drive a minimum of 50 miles during a two-week scoring period to start earning rewards.[4]

Erie Insurance FAQs

The following information can help answer your remaining questions about Erie Insurance and its coverage offerings.

  • Is Erie legitimate?

    Erie is a legitimate auto insurance company. It received an A+ (Superior) financial strength rating from AM Best and scored highly with many third-party rating agencies. It’s a well-known company with large market shares in the regions where it sells coverage.

  • What’s the average cost of Erie car insurance?

    Erie car insurance costs about $50 per month for liability coverage and $93 for a full-coverage car insurance policy. Your rate will vary based on your driving record, credit history, chosen coverage, ZIP code, and more.

  • Is Erie good at paying claims?

    Based on ratings and reports from third-party agencies, Erie is good at paying claims. It received an A+ (Superior) rating from AM Best, which means it has a good track record of meeting financial obligations, such as paying claims. It also placed second in the J.D. Power 2023 U.S. Auto Claims Satisfaction Survey, ranking above the competition for claims handling.

  • How do you cancel your Erie insurance policy?

    You must call your local agent to cancel your Erie policy. You can locate the phone number for your Erie agent by using the company’s “Find an Insurance Agent” search tool. Erie doesn’t have a fee for cancellations.

  • Does Erie raise rates after a claim?

    Like most insurers, Erie typically raises rates after a claim. But if you purchase the company’s Rate Lock feature, you can secure the same rates, even after filing a claim. Your price only increases if you make changes to your policy, like adding a vehicle or changing your address.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Erie Insurance. "Affordable Car Insurance."
  3. Erie Insurance. "Auto Insurance."
  4. Erie Insurance. "YourTurn® by Erie Insurance."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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