Erie car insurance coverage
Policyholders can choose from a variety of coverage options from Erie, including:
Bodily injury liability insurance: This pays for injury or death you cause to someone else while operating your vehicle. It helps cover the cost of medical bills, lost wages, and legal fees if you’re at fault in an accident. It doesn’t cover your own injuries or damages to your own vehicle.
Property damage liability: This pays for damages you cause to someone else’s property — like another driver’s vehicle — in an accident. But it doesn’t cover damages to your own vehicle.
Personal injury protection: This pays for your and your passengers’ medical expenses and other related costs. It can pay regardless of who’s at fault, but it may not cover all expenses after an accident.
Uninsured and underinsured motorist coverage: This is coverage that protects you if you’re in an accident with a driver who doesn’t carry insurance or doesn’t have enough auto insurance to pay for damages or injuries. It helps pay for your medical expenses and other related costs. Some states make coverage optional, while others require high policy limits.
Comprehensive coverage: This pays for damages to your vehicle from non-collision events, such as theft, fire, and natural disasters. It helps cover the cost of repairing or replacing your vehicle but can have a high deductible.
Collision coverage: This pays for damages to your vehicle due to a collision with another vehicle or object or if you experience a single-car rollover. It’s helpful especially if you own a newer vehicle, still owe on your car loan, or have a lease. It doesn’t cover natural disasters.
Windshield repair: This pays for the repair or replacement of your vehicle’s windshield. Erie also waives your comprehensive deductible if you choose windshield repair over total replacement.
Motorcycle insurance: This coverage is specifically for motorcycle owners. It protects you and your motorcycle in an accident and includes $3,000 in coverage for damage to gear and accessories. However, it’s only available in some states.
New-car replacement: This coverage pays for the cost of a brand-new vehicle if Erie declares your current vehicle a total loss. It doesn’t account for the depreciation in your car’s value. Erie considers a vehicle to be “new” only if it’s 2 years old or newer. Plus, coverage isn’t available in New York or North Carolina.
Rental car coverage: This covers the cost of a rental car while a shop repairs your vehicle. Most states automatically include this coverage if you buy comprehensive insurance, but in other states, it costs extra.
Roadside assistance: This coverage pays for roadside assistance services. For about $5 per year per vehicle, it offers towing, flat tire repair, battery jump-start, and fuel delivery services. But policies can have limits and exclusions regarding the distance of towing or other services.
Coverage costs differ based on location, age, driving history, and other factors. You should get a quote to determine the actual premium for the coverage you want.
How to get an Erie car insurance quote
Getting a car insurance quote from Erie starts with visiting the Erie Insurance website and entering your ZIP code. Then, you’ll enter your name, date of birth, address, and information about your vehicle and any other drivers you want to add to your policy. You can see your quote and discounts immediately and customize your coverage in just a few clicks.
A quote-comparison platform like Insurify can help you compare insurance quotes more quickly. It can give you quotes from Erie and other insurance providers in one place. For the most affordable coverage, enter your information and receive personalized quotes from multiple insurance companies.
Erie car insurance cost by state
Since car insurance costs vary by location and ZIP code, it’s important to compare the rates among different states. For Erie Insurance, the cheapest average quotes are in Ohio, at $64 a month, and the most expensive are in New York, at $331 a month.
| State | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
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| Ohio | $64 | $48 |
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| Wisconsin | $76 | $59 |
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| North Carolina | $80 | $47 |
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| West Virginia | $83 | $56 |
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| Pennsylvania | $97 | $75 |
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| Tennessee | $111 | $58 |
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| Virginia | $120 | $79 |
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| Illinois | $122 | $89 |
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| Maryland | $170 | $151 |
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| Washington, D.C. | $193 | $138 |
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| New York | $331 | $395 |
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Actual quotes may vary based on the policy buyer's unique driver profile.
See Also: Cheapest States for Car Insurance
Erie auto insurance rates by driving history
Your driving history greatly influences your premiums. Drivers with clean driving histories are more likely to pay lower premiums than drivers with accidents and infractions. If you have a clean record, you may pay an average rate of $132 with Erie Insurance. But if you have speeding tickets or accidents in your history, you can expect to pay more. Here are the average monthly quotes from Erie by driving history:
Quote Price by Driving Record
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.
Erie car insurance cost by age
Teenage and new drivers are more likely to be in an accident, and thus, are a higher risk to insure. If you’re younger than 25 years old, you can expect your rates to be higher than older drivers. But if you maintain a clean driving record, your rates may drop in your mid-20s and well into your 30s. Here are the average monthly quotes for drivers from Erie Insurance by age group:
Quote Price by Age Group
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.
Read More: Compare Car Insurance by Age and Gender
Erie car insurance discounts
Erie Insurance offers various discounts to policyholders to help reduce the cost of their policies. Ask an Erie Insurance agent whether you qualify for these savings opportunities:
ERIE Rate Lock: This discount guarantees your rate won’t increase, even if you file a claim. You can’t get Rate Lock in every state, but it’s automatic if it’s available for your area.
Multi-policy: Savings are available for having multiple policies with Erie Insurance. Insure more than one car or add home or life insurance coverage to unlock multi-policy discounts.
First accident forgiveness: This waives the surcharge the first time you’re in an at-fault accident. You must be an Erie customer for at least three years to qualify for forgiveness.
Diminishing deductible: This decreases the deductible amount each year you don’t file a claim. Depending on your state, you can reduce your deductible by $100 per year, up to $500.
Vehicle storage: This offers a lower premium if you put your vehicle in storage. To qualify for savings, you must store your car for at least 90 consecutive days.
Safety: Discounts are available for vehicles with safety features. Your car may qualify with airbags, anti-theft devices, anti-lock brakes, or other safety systems.
Payment discounts: Certain payment discounts are available for paying your policy in full. By skipping the monthly installments, you can save money and pay it in one lump sum.
Youthful driver: Discounts are available for unmarried drivers under 21. If you have unmarried young drivers, ask about discounts for living at home, loyalty, and driving training.
College student: These discounts are for full-time students who attend school without access to a car. The time your college student is away from home and isn’t driving could qualify you for a discount.
Erie Insurance bundling options
Buying many policies with Erie will unlock savings — like how you can save money buying in bulk at the grocery store. For example, if you bundle car insurance with homeowners or renters insurance from Erie, you can save up to 20%.
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