Best Cheap Auto Insurance in Erie, Pennsylvania (2024)
State Farm offers the cheapest car insurance in Erie, with minimum-coverage policies as low as $51 per month.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Data reviewed byKonstantin Halachev
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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 November 20, 2024
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Table of contents
If you’re lucky enough to live in Erie, Pennsylvania, you know how beautiful it can be. And you also know how treacherous it can be to drive beside the windswept snow banks and on the slippery streets in winter. This is why it’s important to find good car insurance at an affordable price.
Thankfully, car insurance is relatively affordable for most Erie residents, averaging $106 per month for liability-only coverage and $160 for full coverage. The statewide average, by contrast, is $93 per month for liability-only insurance and $173 per month for full coverage.
Here’s what you should know about finding the cheapest car insurance in Erie.
Quick Facts
Erie, Pennsylvania, is home to the Erie Insurance company — also one of the top-rated insurers for local residents.
A minimum-liability policy in Erie includes coverage of $15,000 for bodily injury (up to $30,000 per accident) and $5,000 for property damage.[1]
Pennsylvania allows for limited-tort or full-tort liability policies, which affect the degree to which you can sue the party responsible for an accident.
Best car insurance companies in Erie
The way insurance companies price their products can vary dramatically. That’s why it’s a good idea to get quotes from as many companies as you can when you’re shopping for rates.
As you begin your search, start with these companies.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Erie Insurance | 9.0 | $127 | $59 | Customer service |
| Mile Auto | 7.5 | $74 | $53 | Affordability |
| State Farm | 9.3 | $110 | $51 | Coverage options |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for customer service: Erie Insurance
| User Reviews | 4.1 |
|---|---|
| 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. | $59/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. | $127/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie Insurance might be a big corporation now, but it’s still based in the town where it all began. This means you can still shop local without compromising on quality because Erie has some of the highest customer satisfaction ratings in the industry.
Pros
Local business with agents in your area
Excellent J.D. Power customer experience rating
Accident forgiveness after three years
Cons
Limited online support
Lackluster mobile app ratings
Relatively few available discounts
Best insurer for affordability: Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 7.5 /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. | $53/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. | $74/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a newer company that sets your monthly premium based on the amount you drive. Each month, you send in a photo of your odometer, and Mile Auto uses this information to generate your bill. This gives you control over your insurance costs you won’t find with other insurers.
Pros
Pay-per-mile pricing
Very affordable rates
No tracking device required
Cons
Short company history
Rates get expensive if you drive frequently
Limited agent customer service hours
Best insurer for coverage options: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 9.3 /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. | $51/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. | $110/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest insurer in the country, and there’s a reason why. It has excellent marks for affordability, customer service, and financial stability. As a large insurer, State Farm also offers plenty of coverage options, increasing the possibility you ’ll find the right solution for your needs.
Pros
Outstanding app ratings
AM Best financial strength rating of A++ (Superior)
Excellent J.D. Power customer satisfaction ratings
Cons
Expensive for high-risk drivers
Gap insurance not available
Expensive for drivers with bad credit
How to get the cheapest car insurance in Erie
The rates insurers offer you are based on several different factors, like your gender, marital status, age, ZIP code, and more. Some of these things are out of your control, but others can be altered in order to lower your rates.
To get the best rates in Erie, focus on these steps:
Compare rates from several different insurers.
Work on improving your credit score.
Look for discounts, especially for using telematics apps.
Choose a mileage-based option if you don’t drive very much.
Choose the highest deductible option you can afford to pay out of pocket.
Cheapest liability-only car insurance in Erie: State Farm
Liability-only insurance covers damages and injuries suffered by the other party in an accident you cause. However, it doesn’t cover any damage to your vehicle or injuries you and your passengers may suffer.
Because its coverage is more limited, liability insurance is often the most affordable option. Erie residents pay on average $106 per month for liability coverage, and can find the cheapest rates from State Farm for $51 per month.
In the table below, you can see the rates for liability coverage offered by different insurers in Erie.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $51 |
| Mile Auto | $53 |
| Erie | $59 |
| Auto-Owners | $63 |
| National General | $66 |
| Plymouth Rock | $66 |
| Travelers | $77 |
| GEICO | $79 |
| Progressive | $80 |
| Foremost | $82 |
| Allstate | $89 |
| Safeco | $94 |
| Direct Auto | $95 |
| The General | $95 |
| Nationwide | $101 |
| USAA | $104 |
| Chubb | $120 |
| Bristol West | $125 |
| Dairyland | $127 |
| CSAA | $134 |
| State Auto | $139 |
| Liberty Mutual | $161 |
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.
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Cheapest full-coverage car insurance in Erie: Mile Auto
Full-coverage insurance provides the same coverage as liability insurance, but it also pays to cover your car in case of a mishap or accident. This is true even if you’re the one who caused the incident. That’s why most lenders require you to carry this coverage while you’re paying off your car, even though it adds a bit to your total cost.
On average, Erie drivers pay $160 per month for full coverage, and can find the cheapest rates from Mile Auto for $74 per month.
Full-coverage rates are generally higher, and you can see how rates compare in Erie below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $74 |
| State Farm | $110 |
| Erie | $127 |
| Plymouth Rock | $134 |
| Auto-Owners | $139 |
| National General | $155 |
| Safeco | $158 |
| GEICO | $165 |
| Travelers | $165 |
| Progressive | $168 |
| CSAA | $176 |
| Allstate | $187 |
| Direct Auto | $189 |
| Foremost | $207 |
| Nationwide | $213 |
| Liberty Mutual | $216 |
| USAA | $217 |
| Bristol West | $232 |
| Infinity | $238 |
| The General | $243 |
| Chubb | $253 |
| Dairyland | $295 |
| State Auto | $302 |
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.
Cheapest recent rates near Erie, Pennsylvania
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Erie and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
In order to drive legally in Pennsylvania, your insurance coverage must meet the following minimum requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person, up to $30,000 per accident |
| Property damage liability | $5,000 |
Good to Know
Pennsylvania is one of a few states that allow you the choice of either a “limited-tort” or “full-tort” liability policy. The difference is that a limited-tort policy may be cheaper, but you waive your right to sue someone for certain damages, such as pain and suffering, if you’re involved in an accident they cause. A full-tort policy is more expensive, but you get to keep your full rights to sue for damages.[2]
However, if you’d like to have coverage that exceeds the minimum, you can also add:
Collision coverage
Collision insurance covers your car if it’s damaged in a collision, even if you were the one who caused the accident.
Comprehensive coverage
Comprehensive insurance pays for most other vehicle-related damage when you’re not driving, such as vandalism or storm damage — or if you hit a deer or other wildlife, for example.
Cheapest car insurance for drivers with an incident
People often repeat past driving habits and behaviors, and that’s why you might have a harder time finding an affordable policy if you have a driving infraction on your record. These incidents, as insurers call them, include speeding tickets, at-fault accidents, and driving under the influence.
In the following sections, you’ll see how different incidents affect your insurance rates in Erie.
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Insurers know that speeding dramatically increases your chances of injuring or killing someone, which — from a business perspective — is a very expensive claim.[3] That’s why most insurers increase your payments after you have a speeding ticket listed on your driving record.
If you live in Erie and have a speeding ticket on your record, you can expect to pay an average of $132 per month for liability-only car insurance. Drivers can find the cheapest rates from Mile Auto for $65 per month.
The table below shows what type of increase you can expect from various insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $133 | $62 |
| Erie | $159 | $74 |
| Auto-Owners | $172 | $78 |
| Plymouth Rock | $176 | $87 |
| National General | $190 | $81 |
| Safeco | $196 | $116 |
| GEICO | $201 | $96 |
| Travelers | $203 | $95 |
| Progressive | $204 | $97 |
| CSAA | $219 | $167 |
| Allstate | $228 | $109 |
| Direct Auto | $231 | $116 |
| Nationwide | $263 | $125 |
| USAA | $265 | $127 |
| Foremost | $273 | $108 |
| Liberty Mutual | $285 | $212 |
| Bristol West | $285 | $154 |
| The General | $303 | $118 |
| Chubb | $314 | $149 |
| Dairyland | $360 | $155 |
| State Auto | $399 | $184 |
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.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Speeding means you’re at higher risk for an accident, but if you’ve already caused an accident, things get even tougher still. Insurers will view you as higher-risk if you’re at fault for an accident and raise your premiums to offset their risk.
Erie drivers with an at-fault accident pay $140 on average for liability-only coverage, but they can find the cheapest rates from Mile Auto for $70 per month.
If you have an at-fault accident on your record, you may see your rates to climb to the mark of those listed below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $98 | $70 |
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.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is one of the most serious marks you can have on your driving record, and your rates will often increase dramatically after receiving one. Some insurers may drop you altogether, and you’ll be limited to insurers who specialize in charging very expensive rates to higher-risk drivers. Fortunately, if you’ve been convicted of a DUI, Pennsylvania doesn’t require you to purchase SR-22 insurance like drivers in other states.
Drivers in Erie with a DUI can expect to pay an average of $161 per month for liability-only car insurance. State Farm offers the cheapest rates at $81 per month.
The insurers below offer the most affordable rates for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $117 | $84 |
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.
Cheapest car insurance for seniors: State Farm
Driving well requires a lot of experience as well as mental and physical ability. For most people, those two things generally start to peak around age 35. At some point, those abilities start to decline again, usually around age 70. That’s why most insurers tend to start increasing rates for seniors, as you may be more likely to get into an accident and suffer serious injuries if you’re in a crash.
Senior drivers in Erie pay $85 per month for liability car insurance, on average. State Farm offers the cheapest rates for seniors in Erie at $39 per month.
The Erie insurance companies below offer the most affordable rates to senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $55 | $39 |
| State Farm | $84 | $39 |
| Erie | $96 | $44 |
| Plymouth Rock | $102 | $50 |
| Auto-Owners | $108 | $49 |
| National General | $117 | $50 |
| Progressive | $119 | $57 |
| Travelers | $127 | $59 |
| GEICO | $129 | $62 |
| CSAA | $132 | $101 |
| Safeco | $133 | $79 |
| Direct Auto | $145 | $73 |
| Allstate | $148 | $70 |
| Nationwide | $157 | $74 |
| Foremost | $163 | $65 |
| USAA | $171 | $82 |
| Liberty Mutual | $179 | $133 |
| Chubb | $182 | $86 |
| Bristol West | $183 | $99 |
| The General | $194 | $76 |
| State Auto | $222 | $102 |
| Dairyland | $232 | $100 |
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.
Cheapest car insurance for teens: Erie
Teenagers have plenty of physical ability but lack driving experience. History shows they’re also more prone to taking risks in general, and that’s why many insurers charge higher rates for teen drivers.[4] Fortunately, some companies offer special discounts for teens who get good grades, drive a safe vehicle, and more.
Teen drivers in Erie with liability-only coverage pay an average of $172 per month. Erie offers the cheapest rates for teens at $97 per month.
Below are the most affordable monthly quotes for teen and young drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $141 | $101 |
| State Farm | $185 | $86 |
| Erie | $208 | $97 |
| Auto-Owners | $228 | $103 |
| Plymouth Rock | $239 | $118 |
| GEICO | $257 | $123 |
| CSAA | $276 | $210 |
| Progressive | $289 | $137 |
| Travelers | $292 | $136 |
| Safeco | $298 | $178 |
| National General | $300 | $128 |
| Allstate | $326 | $155 |
| Direct Auto | $338 | $170 |
| USAA | $356 | $170 |
| Foremost | $360 | $143 |
| Liberty Mutual | $363 | $270 |
| Nationwide | $364 | $173 |
| The General | $376 | $147 |
| Bristol West | $382 | $206 |
| Dairyland | $464 | $200 |
| Chubb | $475 | $225 |
| State Auto | $525 | $242 |
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.
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4.8/5
Erie car insurance quotes by credit tier
Insurers in Erie are allowed to take your credit history into account when setting your policy rates. Companies view excellent credit as evidence that you’re a responsible driver. In contrast, if you have a poor credit, you may end up paying a much higher rate.
Here are the average full-coverage rates in Erie based on credit scores.
Rates by Credit Tier
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.
Is car insurance more expensive in Erie?
If you live in Erie, you’ll typically pay about the same for insurance compared to people in the rest of the country.
If you’re looking for a no-frills liability-only policy, Erie residents pay an average of $106 per month, which is on par with the national average. Full-coverage insurance costs more for Erie residents, at $160 per month, compared to the national full-coverage average of $204.
More cities in Pennsylvania
You’ll pay a lot less for car insurance in Erie than in more urban parts of Pennsylvania, like Philadelphia or Allentown. However, residents of other areas in Pennsylvania have even cheaper car insurance rates, as you can see below.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Allentown | $183 | $113 |
| Bethlehem | $149 | $88 |
| Harrisburg | $163 | $90 |
| Lancaster | $123 | $80 |
| Philadelphia | $291 | $167 |
| Pittsburgh | $168 | $95 |
| Reading | $190 | $94 |
| York | $151 | $83 |
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 FAQs
Looking for more information to help you find the best rates in Erie? Consult the answers below.
How much is car insurance in Erie, Pennsylvania?
Car insurance in Erie averages $106 per month for liability coverage and $160 per month for full coverage.
Who has the cheapest car insurance in Erie?
State Farm, Mile Auto, and Erie have the cheapest car insurance in Erie.
What are the best car insurance companies in Erie?
Erie Insurance Group, Mile Auto, and State Farm rank as three of the top insurers in Erie. Erie Insurance Group and State Farm both have Insurify Quality (IQ) Scores of 4.4 out of 5 and strong financial stability and customer satisfaction scores. Mile Auto is a newer insurer, but the ability to control your premiums based on how much you drive is unlike many other insurers in the marketplace.
Is Erie Insurance available in Pennsylvania?
Yes. Erie Insurance began in Erie, Pennsylvania, and today remains one of the dominant insurers in the state.
How much car insurance do you need in Pennsylvania?
In order to drive legally in Pennsylvania, you must carry insurance that meets at least the state’s minimum requirements of $15,000 per person and up to $30,000 per accident in bodily injury liability. You must also carry $5,000 in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Pennsylvania
Sources
- PennDot Driver and Vehicle Services. "Insurance Overview."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- United States Department of Transportation. "Speeding."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
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