Cheap Auto Insurance Quotes in Erie, PA (2023)

In Erie, Pennsylvania, winters are notoriously cold and cloudy, with lots of wind and snow. But it’s easy to warm up to the comparatively cheap cost of car insurance in the state’s fifth-largest city. The average cost of minimum-coverage car insurance in Erie is just $141 per month — $76 less than the Pennsylvania average of $217.

If you’re a driver in Erie, you can find cheap car insurance coverage. Just make sure you shop around. Here’s everything you need to know about auto insurance premiums in Erie.

How much does car insurance cost in Erie?

Car insurance rates in Erie vary greatly from company to company. It’s a good idea to compare quotes and find the best deal for your specific situation. To find the cheapest quotes, Insurify data scientists analyzed the latest insurance rates in Erie.

Auto insurance costs in the city range from $40 to $319. They’re based on factors like coverage type, driver age, and driving record.

• Cheapest liability-only insurance: State Auto

• Cheapest full-coverage insurance: Nationwide

• Cheapest insurance for new/young drivers: Travelers

Learn More: Cheap Auto Insurance in Pennsylvania

Cheapest car insurance in Erie: State Auto

State Auto is the cheapest car insurance company in Erie, with an average rate of $40 per month. Factors like your location, age, and driving record all influence car insurance premiums in the city.

How much car insurance do you need in Erie?

To drive legally in Erie, you must have the following minimum car insurance coverage:

• $15,000 per person for bodily injury liability

• $30,000 per accident for bodily injury liability

• $5,000 per accident for property damage liability

• $5,000 per accident for medical benefits^[1]

Bodily injury liability pays if you injure someone in an accident for which you’re at fault. Likewise, property damage liability pays to repair or replace the damaged property of other parties if you’re at fault. Medical benefits coverage pays your medical bills and others covered on your policy, regardless of whether you or another party is at fault in an accident.^[2]

Pennsylvania law also requires you to carry proof of insurance in your car at all times and be able to show it when law enforcement requests it, when you’re renewing vehicle registration, and when your vehicle is involved in an accident.

Pennsylvania DMV information

PennDOT Driver & Vehicle Services can come in handy if you need to get or renew your driver’s license, process your vehicle registration, change your address, or anything else. While you can complete many of these services online, some require in-person service at a local location.

Tips for getting cheap car insurance in Erie

To land cheap car insurance in Erie, pursue any and all discounts you’re eligible for. Also, if you have homeowners insurance, bundle it with your auto policy. You can shop around to receive multiple car insurance quotes, compare your options, and hone in on the best choice for your particular budget and needs.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Erie

Age is an important factor that car insurance companies consider. This is because research shows that younger drivers, like teens, tend to cause more car accidents than older, more experienced drivers. You’ll likely pay more for an auto policy if you’re under 25 than if you’re 40.

Check Out: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Erie

Travelers offers the cheapest car insurance for young drivers in Erie. If you’re a young driver, you may be able to save by staying on your parent’s policy and taking advantage of discounts.

Cheapest car insurance for middle-aged drivers in Erie

Middle-aged Erie drivers in Erie can lock in the cheapest auto policies through Mile Auto. To land a great deal on your coverage, shop around and get quotes from at least three different companies.

Cheapest car insurance for senior drivers in Erie

Mile Auto has the lowest auto insurance rates for senior drivers in Erie. As an older driver in the area, you can take a defensive driving course or choose a low-mileage policy to lower your premiums. 

How credit scores affect cheap car insurance in Erie

Your credit score can influence your car insurance rates in Erie. Studies show that if you have good credit (670+), you’ll be less likely to file a claim than someone with fair credit (580–669) or poor credit (300–579). That’s why a good credit score can lead to cheaper rates.

Pennsylvania is one of the many states that allow car insurance companies to evaluate credit scores when determining car insurance premiums. Here’s a look at the average cost of full-coverage policies by credit tier.

The effect of driving habits on car insurance in Erie

Your driving habits can play a vital role in what you pay for car insurance in Erie. If you’re a safe driver with a clean record, you can lock in lower rates than a driver with a history of serious traffic violations, like at-fault accidents, speeding tickets, and DUIs.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in Erie: National General

The following table shows how an accident can affect your car insurance rates in Erie, Pennsylvania. Overall, Progressive offers the lowest rates to drivers with an accident on their records.

Cheapest car insurance with a DUI in Erie: National General

Driving under the influence is a serious violation that can significantly increase insurance rates. Many insurance companies will decline to give a quote to drivers who have a DUI on their records. The number of negative differences in the table below is a good indication that fewer companies are willing to insure drivers with a DUI in Erie.

Cheapest car insurance with a speeding ticket in Erie: National General

Insurance companies typically charge higher premiums to drivers who have speeding tickets because speed is often a factor in serious accidents. Drivers with multiple tickets may even have trouble finding an insurer willing to offer them a quote.

The table below shows the impact speeding tickets can have on car insurance rates in Erie, Pennsylvania.

See Also: Cheapest Car Insurance by Driving Record (2022)

Car insurance in other Pennsylvania cities

Nestled in the northwestern part of the state, Erie’s traffic and weather conditions are very different from those in other parts of Pennsylvania. Those differences contribute to the wide range of insurance costs from city to city within the state. Check out insurance quotes in other Pennsylvania cities.

• Cheap Auto Insurance Quotes in Lancaster, PA

• Cheap Auto Insurance Quotes in Philadelphia, PA

• Cheap Auto Insurance Quotes in Harrisburg, PA

• Cheap Auto Insurance Quotes in Pittsburgh, PA

• Cheap Auto Insurance Quotes in Bethlehem, PA

Erie car insurance FAQs