Best Cheap Auto Insurance in Erie, Pennsylvania (2024)

State Farm offers the cheapest car insurance in Erie, with minimum-coverage policies as low as $49 per month.

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Lindsay VanSomeren
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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  • 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 June 20, 2024

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Cheapest recent rates near Erie, Pennsylvania

Recent Erie, Pennsylvania car insurance prices for Toyota, Jeep, Honda , and more.

*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on June 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 June 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 June 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $88 per month for liability-only coverage and $182 for full coverage. The statewide average, by contrast, is $93 per month for liability-only insurance and $190 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Erie Insurance9.0$109$59Customer service
Mile Auto7.5$71$52Affordability
State Farm9.3$94$51Coverage 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$56/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.
$103/mo

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

Read our Erie Insurance review
Barbara - June 20, 2024
Verified

My Agent and Their Staff Are Excellent

Great!

Scott - June 19, 2024
Verified

Competitive Coverage with Local Feel

Personable and accommodating. Responsive and available. Mario has been great.

Willam - June 16, 2024
Verified

It's Really Good Insurance

It's good insurance.

Best insurer for affordability: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.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).
NR
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.
$67/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$49/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.
$89/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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 $88 per month for liability coverage, and can find the cheapest rates from State Farm for $49 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Monthly Quote
State Farm$49
Mile Auto$50
Erie$56
Auto-Owners$60
National General$61
Foremost$64
Safeco$72
Travelers$73
GEICO$75
Progressive$76
Midvale Home & Auto$83
Allstate$85
The General$90
Direct Auto$91
Plymouth Rock$91
Nationwide$97
USAA$99
Liberty Mutual$111
Dairyland$113
Chubb$114
Bristol West$122
State Auto$133
CSAA$139
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 $182 per month for full coverage, and can find the cheapest rates from Mile Auto for $67 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Monthly Quote
Mile Auto$67
State Farm$89
Erie$103
Auto-Owners$111
Safeco$118
Plymouth Rock$125
Midvale Home & Auto$127
Travelers$134
GEICO$138
Progressive$139
Nationwide$142
Liberty Mutual$151
Allstate$156
Direct Auto$161
Foremost$161
CSAA$173
State Auto$175
USAA$181
National General$189
Chubb$209
The General$220
Bristol West$228
Infinity$231
Dairyland$258
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

Recent Erie, Pennsylvania car insurance prices for Hyundai, Jeep, Subaru , and more.

*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on June 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 June 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 June 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 June 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:

CoverageMinimum Requirements
Bodily injury liability$15,000 per person, up to $30,000 per accident
Property damage liability$5,000
  • illustration card https://a.storyblok.com/f/162273/150x150/e0873d69d8/states_pennsylvania.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your car if it’s damaged in a collision, even if you were the one who caused the accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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 $113 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$108$59
Erie$129$70
Auto-Owners$136$74
Safeco$147$90
Midvale Home & Auto$162$106
Plymouth Rock$165$120
Travelers$165$90
GEICO$169$92
Progressive$171$93
Nationwide$176$120
Allstate$191$104
Direct Auto$198$112
Liberty Mutual$205$150
CSAA$218$175
Foremost$218$87
USAA$221$121
National General$229$74
State Auto$233$177
Chubb$260$142
The General$273$112
Bristol West$278$149
Dairyland$318$139
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 $120 on average for liability-only coverage, but they can find the cheapest rates from Mile Auto for $71 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto$95$71
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: Mile Auto

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 $138 per month for liability-only car insurance. Mile Auto offers the cheapest rates at $73 per month.

The insurers below offer the most affordable rates for drivers with a DUI. 

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto$98$73
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: Mile Auto

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 $64 per month for liability car insurance, on average. Mile Auto offers the cheapest rates for seniors in Erie at $35 per month.

The Erie insurance companies below offer the most affordable rates to senior drivers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto$47$35
State Farm$65$36
Erie$71$39
Auto-Owners$81$44
Plymouth Rock$87$63
Safeco$90$55
Midvale Home & Auto$91$59
Progressive$93$51
Travelers$98$54
Nationwide$99$68
GEICO$103$56
Liberty Mutual$113$83
Allstate$117$64
Direct Auto$117$66
Foremost$118$47
State Auto$125$95
CSAA$126$101
USAA$135$74
National General$139$45
Chubb$143$78
The General$168$69
Bristol West$171$91
Dairyland$193$85
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 $142 per month. Erie offers the cheapest rates for teens at $89 per month.

Below are the most affordable monthly quotes for teen and young drivers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto$124$93
State Farm$143$79
Erie$164$89
Auto-Owners$181$98
GEICO$205$112
Midvale Home & Auto$208$136
Travelers$229$125
Nationwide$230$157
Safeco$235$143
Progressive$239$131
Plymouth Rock$250$182
Allstate$260$141
Liberty Mutual$265$195
CSAA$268$216
Foremost$272$108
Direct Auto$279$158
USAA$285$156
State Auto$295$224
The General$336$138
National General$345$111
Bristol West$368$197
Chubb$368$201
Dairyland$408$179
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.

Find Cheap Car Insurance in Erie

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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 $88 per month, which is on par with the national average. Full-coverage insurance costs more for Erie residents, at $182 per month, compared to the national full-coverage average of $214.

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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Allentown$241$102
Bethlehem$203$99
Harrisburg$188$90
Lancaster$155$83
Philadelphia$332$162
Pittsburgh$214$97
Reading$212$105
York$157$82
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 $88 per month for liability coverage and $182 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. PennDot Driver and Vehicle Services. "Insurance Overview."
  2. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  3. United States Department of Transportation. "Speeding."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Lindsay VanSomeren
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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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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