120+ more*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on September 7, 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 September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Erie, Pennsylvania, pay an average of $83 per month for liability-only coverage and $149 per month for full-coverage car insurance. Those rates are comparable to Pittsburgh’s, but much cheaper than Philadelphia’s, where drivers pay an average of $152 per month for liability coverage and $281 for full coverage.
The average commute time in Erie is just 18.3 minutes — slightly less than the 22.7 minutes for Pittsburgh drivers and much less than the 31.7 minutes in Philadelphia, according to U.S. census data. Less time on the road means a decreased risk of accidents and lower car insurance costs.
Liability-only car insurance in Erie costs an average of $83 per month. That’s slightly cheaper than the Pennsylvania state average of $90 per month.
Drivers in Pennsylvania must meet the following minimum car insurance requirements:[1]
$15,000 in bodily injury liability coverage per person
$30,000 in bodily injury liability coverage per accident
$5,000 in property damage liability coverage
The table below shows the cheapest rates for liability-only car insurance in Erie.
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Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $45 |
| National General | $51 |
| Erie | $53 |
| First Acceptance | $55 |
| Auto-Owners | $57 |
| The General | $62 |
| Progressive | $63 |
| Travelers | $69 |
| GEICO | $71 |
| Safeco | $74 |
| Direct Auto | $76 |
| Allstate | $81 |
| Bristol West | $83 |
| Root | $94 |
| USAA | $94 |
| Dairyland | $99 |
| Chubb | $109 |
| Liberty Mutual | $115 |
| GAINSCO | $116 |
| State Auto | $126 |
| CSAA | $151 |
Liability policies average $83/mo.
Erie drivers pay an average of $149 per month for full-coverage car insurance. State Farm has the cheapest rates, at an average of $77 per month.
Erie County has an abundance of deer thanks to nearby Presque Isle State Park and other heavily wooded areas. The Commonwealth of Pennsylvania sees thousands of deer-related crashes each year. Claims for deer-related collisions average $4,300.
Full-coverage car insurance, which includes collision coverage and comprehensive coverage, can help pay to repair your car if you hit a deer.
Below are the cheapest rates for full-coverage car insurance in Erie.
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Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $77 |
| Erie | $89 |
| Auto-Owners | $96 |
| Plymouth Rock | $102 |
| National General | $114 |
| Travelers | $116 |
| GEICO | $119 |
| Safeco | $119 |
| Liberty Mutual | $133 |
| Progressive | $133 |
| Allstate | $135 |
| First Acceptance | $137 |
| Direct Auto | $149 |
| Root | $150 |
| Bristol West | $153 |
| USAA | $156 |
| Chubb | $180 |
| GAINSCO | $208 |
| State Auto | $210 |
| CSAA | $219 |
| The General | $243 |
| Dairyland | $246 |
State College is among the cities in Pennsylvania with the lowest car insurance rates. Liability-only insurance averages $67 per month. On the other end of the spectrum is Philadelphia, where drivers pay an average of $152 per month for car insurance. Erie falls somewhere in the middle, with an average cost of $83 per month.
Erie is in the northwest corner of Pennsylvania and has a population close to 92,000.[2] In 2025, Erie County ranked No. 218 in the nation for vehicle theft by volume, according to Insurify data.
In contrast, the Philadelphia metro area ranked No. 7 in the nation for vehicle theft by volume in 2025, according to data from Insurify. Higher vehicle theft rates contribute to higher car insurance costs.
The following table shows the average monthly quotes for Erie and other Pennsylvania cities.
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City | Average Monthly Quote |
|---|---|
| State College | $95 |
| Hanover | $99 |
| Altoona | $106 |
| Chambersburg | $107 |
| Lancaster | $107 |
| Pottsville | $111 |
| Bethlehem | $113 |
| York | $114 |
| Wilkes-Barre | $115 |
| Pittsburgh | $117 |
| Harrisburg | $121 |
| Phoenixville | $124 |
| Scranton | $127 |
| Reading | $129 |
| Allentown | $143 |
| Bristol | $143 |
| Chester | $184 |
| Philadelphia | $217 |
*Quotes generated for Insurify users in and around Erie, Pennsylvania within the last 10 days. Last updated on September 7, 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 September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects how much you pay for car insurance. Below are the cheapest companies for drivers in Erie based on their driving history:
Cheapest car insurance for Erie drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Erie: State Farm
Cheapest car insurance for Erie drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Erie: State Farm
Around 3.6% of Erie drivers have a speeding ticket on their record, according to Insurify data. The Pennsylvania Department of Transportation (PennDOT) uses speed cameras in construction zones to improve safety for drivers and workers.
Approximately 5.5% of drivers in Erie have an at-fault accident on their record. The area’s heavy snowfall can make roads more hazardous during winter, increasing accident rates.
Finally, 0.78% of Erie drivers have a driving under the influence (DUI) conviction on their record. Erie County has the state’s oldest operating DUI task force, with officers making arrests for driving under the influence, underage drinking, and other violations.
Insurers consider drivers with infractions high risk and typically charge them higher insurance premiums.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $116 |
| Speeding ticket | $131 |
| At-fault accident | $142 |
| DUI | $187 |
Erie’s location on the shores of Lake Erie means the area gets plenty of lake-effect snow. On average, Erie receives 104.3 inches of snow each year, according to the National Weather Service. December and January are the months with the heaviest snowfall.
During heavy snowstorms, the Erie Department of Public Works can struggle to clear the city’s almost 600 miles of roads quickly. As a result, it’s wise to stay off the roads during winter storms.
PennDOT may reduce speed limits on interstates during severe weather events. If you drive too fast — even accidentally — you run the risk of an officer pulling you over.
Summer is Erie’s busiest season, as tourists head to nearby Presque Isle State Park to hike, boat, swim, and fish. Roads are typically busier than usual, and traffic backups are common. For this reason, it’s a good idea to leave time in your schedule to account for traffic congestion.
Certain roads in Erie are more prone to congestion than others. For example, Route 19, also known as Peach Street, has several busy intersections.
PennDOT plans to widen the Peach Street corridor between Oliver Road and Dorn Road to improve safety and reduce traffic congestion. This project will last about one year and will reduce traffic to one lane in each direction.
Heavy traffic can affect car insurance rates. But even with certain congested intersections, Erie drivers’ average commute time of 18.3 minutes is lower than the national average of 27.2 minutes.
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Erie teenagers pay some of the city’s highest rates, with liability insurance averaging $142 per month. State Farm has the cheapest insurance for Erie teen drivers, at an average of $84 per month for liability-only coverage.
Teens in Pennsylvania can get a learner’s permit at age 16 and must complete at least 65 hours of training before they can get a junior license.[3]
The table below shows the cheapest rates for teenage drivers in Erie.
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Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $84 |
| Erie | $94 |
| First Acceptance | $94 |
| National General | $98 |
| Progressive | $108 |
| The General | $108 |
| Auto-Owners | $111 |
| GEICO | $124 |
| Root | $136 |
| Travelers | $139 |
| Allstate | $139 |
| Bristol West | $142 |
| Direct Auto | $144 |
| Safeco | $146 |
| Dairyland | $165 |
| USAA | $166 |
| Liberty Mutual | $195 |
| GAINSCO | $197 |
| Chubb | $216 |
| State Auto | $292 |
| CSAA | $351 |
About 16.4% of Erie residents are 65 or older, according to data from the U.S. Census Bureau.
Seniors in Erie pay an average of $72 per month for liability insurance. State Farm has the cheapest rates for Erie drivers in their 60s, with a liability policy averaging $35 per month.
The table below shows the cheapest rates for senior drivers in Erie.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $35 |
| National General | $40 |
| Erie | $41 |
| Auto-Owners | $45 |
| First Acceptance | $48 |
| The General | $53 |
| Progressive | $55 |
| Travelers | $55 |
| GEICO | $57 |
| Direct Auto | $62 |
| Safeco | $65 |
| Bristol West | $69 |
| Allstate | $70 |
| USAA | $76 |
| Chubb | $82 |
| Dairyland | $84 |
| Root | $87 |
| State Auto | $95 |
| Liberty Mutual | $96 |
| GAINSCO | $100 |
| CSAA | $112 |
Answers to the following frequently asked questions about auto insurance coverage in Erie, Pennsylvania, can help you find the best fit for your needs.
Car insurance costs an average of $83 per month for liability coverage and $149 per month for full coverage in Erie, Pennsylvania.
State Farm has the cheapest car insurance rates in Erie, at an average of $45 per month for liability-only coverage.
Some of the best car insurance companies in Erie include State Farm, National General, and Erie. The best insurer for you depends on your coverage needs and budget, so compare auto insurance quotes from several companies before choosing a policy.
Some of the main factors that affect car insurance rates in Erie include your driving record, the type and age of your vehicle, your average annual mileage, your deductibles, and the coverage types and limits you choose.[4]
Pennsylvania drivers must carry at least $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as at least $5,000 in property damage liability coverage.
Insurify data scientists analyzed more than 250 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:
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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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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