Best Cheap Auto Insurance in Erie, Pennsylvania (2026)
National General offers the cheapest car insurance in Erie, with minimum-coverage policies as low as $60 per month.
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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 $95 per month for liability-only coverage and $133 for full coverage. The statewide average, by contrast, is $93 per month for liability-only insurance and $147 per month for full coverage.
Here’s what you should know about finding the cheapest car insurance in Erie.
Quick Facts
Erie is home to the Erie Insurance company — a super-regional carrier that is also one of the top-rated insurers for local residents.
A minimum-liability policy in Erie includes state-mandated coverage of $15,000 for bodily injury (up to $30,000 per accident), $5,000 for property damage, and $5,000 for medical benefits coverage.[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 | 8.4 | $96 | $81 | Customer service |
| Mile Auto | 8.8 | $89 | $69 | Affordability |
| State Farm | 9.3 | $83 | $70 | Coverage options |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie 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 55,000 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 | 4.4 |
|---|---|
| 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. | 8.4 /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. | $79/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. | $92/mo |
4.4
Best choice in Erie, PABased on 493 verified driver reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
High customer satisfaction
Competitive rates
Optional coverages
Showing 29 Pennsylvania reviews for Erie drivers - See all 228 Erie Insurance reviews
James
Verified Review
Erie
Reviewed in Pennsylvania on March 11, 2026
Good value.
Robert
Verified Review
One of the Best Auto Insurance Companies
Reviewed in Pennsylvania on March 2, 2026
So far, they seem to be one of the best companies for auto insurance for my age. When shopping around, not only do they have the best price, but they also have one of the highest ratings.
Ivan
Verified Review
Great insurance
Reviewed in Pennsylvania on March 1, 2026
Excellent rates. I get a year at the same cost as others quoted me for only six months.
Joshua
Verified Review
Great company, but penalizes or blocks credit card usage to get certain discounts.
Reviewed in Pennsylvania on March 1, 2026
Great company, decent rates. I just wish there were better discounts and no penalty or restriction on using credit cards to pay premiums.
Stephen
Verified Review
Excellent
Reviewed in Pennsylvania on February 19, 2026
Best rates thus far.
David
Verified Review
Best Insurance
Reviewed in Pennsylvania on February 8, 2026
They set your rate and it never increases unless you change cars.
Steven
Verified Review
Too expensive for anyone with a great driving record and great credit
Reviewed in Pennsylvania on December 29, 2025
My insurance company, as well as other insurance companies, base rates on other drivers and NOT the person buying the policy.
Mark
Verified Review
Erie Insurance
Reviewed in Pennsylvania on December 23, 2025
Excellent in all aspects except one. Adding a young driver is considerably more expensive than other companies.
Bernard
Verified Review
Excellent
Reviewed in Pennsylvania on October 30, 2025
They are pleasant to talk to, helpful, and explain everything clearly.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.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 offered after three years
Cons
Limited online support
Lackluster mobile app ratings
Customers can’t buy a policy or file a claim online
Best insurer for affordability: Mile Auto
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $70/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. | $120/mo |
4.5
Best choice in Erie, PABased on 189 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 65 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
…
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.
2.18A.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 | 4.0 |
|---|---|
| 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. | $68/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. | $80/mo |
4.0
Best choice in Erie, PABased on 15,982 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Erie for
Customer service
Competitive rates
Discounts for safe drivers
Showing 54 Pennsylvania reviews for Erie drivers - See all 7,209 State Farm reviews
Lynn
Verified Review
All Good
Reviewed in Pennsylvania on March 9, 2026
All good experiences, just getting a little expensive.
Lisa
Verified Review
Great coverage but too costly
Reviewed in Pennsylvania on March 8, 2026
It's good coverage but expensive.
Glenda
Verified Review
Blame Claim
Reviewed in Pennsylvania on March 3, 2026
A horse and buggy hit my car, and they claimed it was my fault because it was not a motor vehicle. They considered my car totaled. The title is missing, so the claim is still open. It's been a year this month.
Joanna
Verified Review
Long time customer
Reviewed in Pennsylvania on February 23, 2026
Dependable.
Robert
Verified Review
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Reviewed in Pennsylvania on February 20, 2026
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Anthony
Verified Review
Auto Insurance Greed
Reviewed in Pennsylvania on February 9, 2026
They kept raising my insurance every month for months. I now pay $435.00 a month for two vehicles.
Fred
Verified Review
Review of Questions
Reviewed in Pennsylvania on February 6, 2026
The only issue is the cost.
Margaret
Verified Review
Rip-off
Reviewed in Pennsylvania on January 18, 2026
I have been with State Farm for all of my driving life, nearly 60 years, and with only one accident, no tickets, and no DUIs. The cost is way too high for a 76-year-old driver who has been loyal "forever." The team I'm with is great, but the cost is terrible.
Calvin
Verified Review
Excellent
Reviewed in Pennsylvania on January 18, 2026
Great! I have had State Farm for 50 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Expensive for drivers with bad credit
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
How to get the cheapest car insurance in Erie
The rates insurers offer you are based on more than a dozen individual factors, including your driving record, credit history, age, ZIP code, gender, and marital status. 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 history.
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: National General
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 $95 per month for liability coverage, and can find the cheapest rates from National General for $60 per month.
In the table below, you can see the rates for liability coverage offered by different insurers in Erie.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $60 |
| State Farm | $68 |
| Erie | $79 |
| Auto-Owners | $85 |
| Safeco | $90 |
| Direct Auto | $99 |
| Travelers | $102 |
| Bristol West | $103 |
| GEICO | $105 |
| Root | $108 |
| Dairyland | $117 |
| Allstate | $119 |
| Nationwide | $135 |
| USAA | $139 |
| GAINSCO | $142 |
| Liberty Mutual | $153 |
| Chubb | $160 |
| CSAA | $174 |
| State Auto | $187 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
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Cheapest full-coverage car insurance in Erie: State Farm
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 $133 per month for full coverage, and can find the cheapest rates from State Farm for $80 per month.
Full-coverage rates are generally higher, and you can see how rates compare in Erie below.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $80 |
| Erie | $92 |
| Auto-Owners | $99 |
| Travelers | $120 |
| GEICO | $124 |
| Allstate | $140 |
| National General | $142 |
| Safeco | $148 |
| Nationwide | $158 |
| USAA | $162 |
| Liberty Mutual | $165 |
| Direct Auto | $180 |
| Root | $181 |
| Chubb | $188 |
| Bristol West | $199 |
| CSAA | $213 |
| State Auto | $218 |
| Dairyland | $266 |
| GAINSCO | $271 |
| The General | $273 |
| Infinity | $284 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie 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 $40/mo for liability only and $75/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 March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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 March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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, you must carry a minimum amount of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage.
These are the minimum coverage requirements in Pennsylvania:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $15,000 per person, up to $30,000 per accident |
| Property damage liability | $5,000 |
| Medical benefits | $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 vehicle in an at-fault accident with another vehicle or object. It also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance pays for most other vehicle-related damage when you’re not driving, such as theft, 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.
Shop for Car Insurance in Erie, PA
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Cheapest car insurance for drivers with a speeding ticket: State Farm
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 for several years 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 $111 per month for liability-only car insurance. Drivers can find the cheapest rates from State Farm for $83 per month.
The table below shows what type of increase you can expect from various insurers.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $98 | $83 |
| Erie | $117 | $101 |
| Auto-Owners | $125 | $107 |
| Travelers | $151 | $128 |
| GEICO | $157 | $133 |
| National General | $170 | $72 |
| Allstate | $176 | $150 |
| Safeco | $188 | $114 |
| Nationwide | $198 | $169 |
| USAA | $202 | $174 |
| Liberty Mutual | $203 | $188 |
| Direct Auto | $217 | $119 |
| Chubb | $231 | $196 |
| Root | $233 | $139 |
| Bristol West | $242 | $125 |
| CSAA | $263 | $214 |
| State Auto | $281 | $241 |
| GAINSCO | $311 | $163 |
| Dairyland | $321 | $141 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
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 $122 on average for liability-only coverage, but they can find the cheapest rates from State Farm for $88 per month. Keep in mind, if a driver purchases accident forgiveness coverage, they can waive the premium surcharge for their first at-fault accident.
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 in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $104 | $88 |
| Erie | $120 | $103 |
| Auto-Owners | $129 | $110 |
| GEICO | $159 | $134 |
| Travelers | $159 | $135 |
| Allstate | $185 | $157 |
| National General | $186 | $78 |
| Safeco | $204 | $124 |
| Nationwide | $209 | $179 |
| USAA | $214 | $183 |
| Liberty Mutual | $216 | $200 |
| Root | $238 | $142 |
| Direct Auto | $242 | $133 |
| Chubb | $245 | $209 |
| Bristol West | $258 | $133 |
| State Auto | $293 | $251 |
| CSAA | $309 | $252 |
| GAINSCO | $341 | $179 |
| Dairyland | $347 | $153 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: National General
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 $116 per month for liability-only car insurance. National General offers the cheapest rates at $81 per month.
The insurers below offer the most affordable rates for drivers with a DUI.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $108 | $92 |
| Erie | $124 | $106 |
| Auto-Owners | $134 | $115 |
| Travelers | $162 | $138 |
| GEICO | $165 | $140 |
| Allstate | $189 | $161 |
| National General | $192 | $81 |
| Safeco | $214 | $130 |
| Nationwide | $214 | $182 |
| USAA | $219 | $188 |
| Liberty Mutual | $223 | $207 |
| Direct Auto | $243 | $134 |
| Root | $245 | $146 |
| Chubb | $254 | $216 |
| Bristol West | $269 | $139 |
| State Auto | $275 | $236 |
| CSAA | $288 | $235 |
| Dairyland | $360 | $158 |
| GAINSCO | $366 | $192 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: National General
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.
While car insurance rates decrease for middle-aged adults and remain stagnant if the driver maintains a clean driving record, insurers typically increase premiums once a driver enters their 70s. Because even though a senior driver may have lifelong driving experience, they’re more likely to get into an accident and suffer serious injuries from a crash.
Senior drivers in Erie pay $84 per month for liability car insurance, on average. National General offers the cheapest rates for seniors in Erie at $48 per month.
The Erie insurance companies below offer the most affordable rates to senior drivers.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $64 | $54 |
| Erie | $71 | $61 |
| Auto-Owners | $79 | $68 |
| Travelers | $97 | $83 |
| GEICO | $100 | $85 |
| National General | $113 | $48 |
| Allstate | $115 | $98 |
| Nationwide | $123 | $105 |
| Safeco | $131 | $80 |
| USAA | $133 | $114 |
| Liberty Mutual | $140 | $130 |
| Chubb | $144 | $123 |
| Direct Auto | $147 | $81 |
| Root | $153 | $92 |
| State Auto | $168 | $144 |
| Bristol West | $168 | $87 |
| CSAA | $174 | $142 |
| Dairyland | $228 | $100 |
| GAINSCO | $234 | $122 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers have plenty of physical ability but lack driving experience. History shows they’re also more prone to taking risks in general and engage in distracted driving habits, which is 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 $174 per month. State Farm offers the cheapest rates for teens at $133 per month.
Below are the most affordable monthly quotes for teen and young drivers.
The below rates in Erie, PA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $156 | $133 |
| Erie | $170 | $146 |
| Auto-Owners | $200 | $172 |
| GEICO | $223 | $189 |
| Travelers | $251 | $213 |
| Allstate | $279 | $237 |
| National General | $289 | $122 |
| Liberty Mutual | $293 | $271 |
| Safeco | $300 | $182 |
| USAA | $302 | $259 |
| Nationwide | $311 | $265 |
| Root | $314 | $188 |
| Direct Auto | $348 | $191 |
| Bristol West | $357 | $185 |
| CSAA | $358 | $292 |
| Chubb | $391 | $333 |
| Dairyland | $459 | $202 |
| GAINSCO | $497 | $261 |
| State Auto | $533 | $457 |
Disclaimer: Table data sourced from real-time Erie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Erie may vary based on the policy buyer's unique driver profile.
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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 $95 per month, which is on par with the national average. Full-coverage insurance costs more for Erie residents, at $133 per month, compared to the national full-coverage average of $173.
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 Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Allentown | $160 | $109 |
| Bethlehem | $142 | $96 |
| Harrisburg | $154 | $90 |
| Lancaster | $147 | $80 |
| Philadelphia | $262 | $168 |
| Pittsburgh | $143 | $89 |
| Reading | $149 | $97 |
| York | $130 | $87 |
Disclaimer: Table data is based on real-time Erie quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $95 per month for liability coverage and $133 per month for full coverage.
Who has the cheapest car insurance in Erie?
National General, State Farm, 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 a high Insurify Quality (IQ), with 8.4 and 9.3, respectively, out of 10. They also have 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, and $5,000 for medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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.
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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 VanSomerenInsurance and Personal Finance Writer
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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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.
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.