Erie Insurance

Erie Insurance - Car Insurance

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Last Updated: January 2022
Click here for our full review of Erie Insurance car insurance quotes, discounts, and coverages.



Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
Local AgentAmong the best
Overall SatisfactionAmong the best
Policy OfferingsBetter than most
PricingAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Claim ServicingBetter than most
Estimation ProcessAmong the best
First Notice of Loss (FNOL)Better than most
Overall SatisfactionBetter than most
Rental ExperienceAmong the best
Repair ProcessAmong the best
SettlementBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
Mid-Atlantic854Among the best
North Central845Among the best
Erie Insurance Ratings
BrandRatingsUser reviews
Mobile App (Android)
Trust Pilot
Trustpilot score: 3.5
TrustScore 3.5
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA+
Standard & Poor'sA


The largest discounts from Erie Insurance are: Multiple Vehicle, Prepay, Anti-Theft Device

Carrier Discounts
Discount %
Multiple VehiclePrepayAnti-Theft DeviceAnti-lock Brake
Discount Group
Discount TypeDiscount %
Multiple Vehicleup to 15%
Prepayup to 7%
Anti-Theft Deviceup to 5%
Anti-lock Brakeup to 5%
Accident ForgivenessVaries
Feature 15Varies
Multiple PolicyVaries
Passive RestraintVaries
Youth DrivingVaries
Youth LoyaltyVaries
Student Away at SchoolVaries
Senior AdultVaries
Defensive DriverVaries
Low MileageVaries
Good DriverVaries

Payment methods

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    Automatic Online Payment
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    Bank Payment/Direct Deposit
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    Credit Card Payment
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    Debit Card Payments
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    Mail Payment
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    Online Payment
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    Person 2 Person Payment
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    Phone Payment
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    In Person Payment

Features and Services

Erie is industry renowned for its customer service. It offers 24/7 claims reporting over the phone. Online reporting is available, but for glass repair claims only. 

Erie offers a unique Rate Lock feature for its auto insurance policyholders. Rate Lock can help policyholders avoid premium rate hikes after a claim. Erie customers pay the same premium year after year until they make certain changes to your policy, such as adding or removing a vehicle or a driver or changing primary residence.

Erie auto insurance customers can also take advantage of its accident forgiveness program, which guarantees customers for three years or more will have no surcharge the first time they get into an at-fault accident.

On top of this, Erie offers diminishing deductibles. If you're an Erie policyholder, your deductible cost will go down $100 every year you remain claim-free. This offer is good up to $500.

Erie also offers guaranteed replacement costs for car and homes and retirement options.

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    Roadside assistance
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    Diminishing deductible
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    Online account management
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    Policy bundling discounts

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Accident Forgiveness
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    Roadside Assistance
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    Rental Reimbursement
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    Vanishing Deductible
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    Pet Coverage
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    Glass Coverage
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    Personal Auto Plus
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    Emergency Lockout Coverage
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    Emergency Assistance Coverage
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    New Car Replacement Coverage
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    Better Car Replacement

Erie Insurance provides Uber and Lyft driver insurance in the following states:

Erie Insurance Insurance Products

Home Insurance
Life Insurance
Car Insurance
Motorcycle Insurance
ATV Insurance
Boat Insurance
Renters Insurance
Condo Insurance
Mobile Home Insurance
Umbrella Insurance
Business Insurance
Identity Theft Insurance

FAQs - Erie Insurance Car Insurance

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How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Erie Insurance to GEICO

Erie Insurance vs GEICO

Company History

Erie Insurance Group was founded in 1925 in Erie, Pennsylvania and provides auto, home, life, and business insurance. 

Erie currently operates in 12 U.S. states (Illinois, Indiana, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin), plus the District of Columbia.

A Fortune 500 company, Erie Insurance has over 5.8 million policies in force at this writing and works with over 12,400 independent insurance agents. Erie regularly excels in customer satisfaction ratings, according to annual studies conducted by J.D. Power and Associates.

A.M. Best, a global credit rating agency, gives Erie a financial strength rating of A+, indicating a superior ability to pay out policyholders' claims. 

Contact Information

Headquarters address: 100 Erie Insurance Place, Erie, PA 16530

Phone number: 1 (814) 870-2000

How to cancel your Erie Insurance Car Insurance Policy

You must cancel your policy through your local agent.

Erie Insurance Reviews

5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %

Most Positive Review

By Olga
Because they have the best rate in the market and exceptional customer service

Most Critical Review

By Myra
Never had to use the service except pay my bill (I am accident free). Monthly payment is kind of high.

All Reviews

Showing 1 - 10 out of 224 Reviews
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Read reviews that mention

Easy to work with. Great agent experience.
Erie is fantastic to deal with! The service is great as are the rates. I have shopped around and they always come out on top with the best rates. The coverages on the auto and home are also very good. My auto deductibles are now zero and my home has coverage for underground lines and a warranty type of coverage. I highly recommend Erie! I had a claim on lost jewelry with them and it was paid in no time with no hassle what so ever!
Cheaper for two vehicles than one don't make no sense
It's just a numbers thing. I'm looking for a better price, and they wont provide one. I have a very good driving record, and I should be paying less than what I am curremtly
Been dealing with them since 7/24/18 when one of their insured hit us. After calling multiple times and leacing messages with no call back for months in end. I decided to file a report with the Indiana Insurance Commissioner. That got the ball rolling for a few calls. Was told I would get a call back in 2 weeks that was 6 weeks ago. If you gwt hit by someone with Erie it is probably smart to lawyer up from the get go.
Jeffrey C
My review is in reference to an automobile claim. I am not an Erie customer; however, I was rear-ended by an Erie client. I had a new Ford Explorer. I was hit so hard the rear hitch came up through the back seat. Erie paid the initial damage. I went to my Ford dealer to get it fixed. My Ford dealer said that I should pursue Erie for a "diminished value claim" since now my car was in a 'major" accident Ford would not take it on a trade-in, and most places will not since it is now in carfax as being in a major accident. I called Erie, they wanted to know how I knew about "diminished value" they then tried to talk me out of it, but I was persistent and they sent me to their recommended person, so I called, made an appointment, this cost me $300.00 dollars and three hours of my time ! When I submitted the report to Erie they offered me substantially less. I argued that this was your guy who said my diminished value claim was more ! They rudely told me to go and sue if I did not like it, which means I have to sue the other driver, which is their customer. I would NEVER use Erie after this.
Brandon P
This company is a joke. After having an adjuster come out and look at our house due to storm damage. We were lied to, the adjusters were extremely rude and disrespectful, and they damaged our house with the equipment they used. Several other neighbors were able to get claims with Erie Insurance due to storm damage, but we were lied to, after being told by numerous restoration companies that we do have damage. Our insurance agent made a sexist remark to my wife, and then we made a complaint to the Erie regional manager and he told us that they were not going to do anything about any of the complaints due to lack of evidence. I WOULD NEVER recommend ERIE as an insurance company to anybody.
Showing 1 - 10 out of 224 reviews

Erie Insurance Car Insurance Information

Insurify Composite Score85
Number of discounts15
Number of reviews224
User Rating3.7
A.M. BestA+
Standard & Poor'sA


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.