Erie Insurance is a reputable car insurance provider with nearly 100 years of history. The company offers regional insurance coverage in 12 states and Washington, D.C. In this article, we take a deep dive into Erie auto insurance reviews, coverage options, and costs to help you decide if it’s the right provider for you.

Our team has researched the country’s best car insurance companies, rating them based on their cost, coverage, reliability, and service. We recommend getting car insurance quotes from multiple insurance providers and comparing them before making a decision.

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In This Review:

    Erie Insurance Cost And Discounts

    Like all auto insurance providers, Erie determines your premium based on a number of factors. Costs can vary widely depending on the information you provide about yourself and your vehicle. We found that 35-year-old drivers with good credit and a clean driving record typically pay between $800 and $1,600 per year with Erie.

    Some of the factors that will affect your premium are:

    • Age
    • Vehicle
    • Driving record
    • Marital status
    • Location
    • Gender as it appears on your driver’s license

    To give you an idea of what you can expect to pay for Erie auto insurance, the table below includes rate estimates for states in which Erie insurance is available. These cost estimates are for a 35-year-old driver with a clean driving record and good credit, so it’s important to note that your rates will vary based on your driver profile.

    State

    Annual Rate Estimate

    District of Columbia

    $1,557

    Indiana

    $1,006

    Maryland

    $1,545

    North Carolina

    $927

    Ohio

    $835

    Pennsylvania

    $1,295

    Tennessee

    $1,229

    Virginia

    $885

    West Virginia

    $960

    Wisconsin

    $888

    *Cost data not available for Erie auto insurance in Illinois, Kentucky, or New York.

    Overall, Erie tends to offer affordable car insurance rates for many types of drivers. Based on our rate estimates, Erie auto insurance is often one of the cheapest car insurance options in the areas it’s available.

    Erie Auto Insurance Discounts

    Erie Insurance has a number of discount programs available. These discounts can help you lower your Erie car insurance premiums:

    Safe Driving Discount

    Safe driving habits and a good driving record can earn you a discount on your insurance policy.

    Car Safety Equipment Discounts

    Erie provides discounts for drivers with safety features like anti-theft devices and factory-installed airbags.

    Multi-Car Discount

    You can get an Erie auto insurance discount if you insure more than one car on the same policy.

    Multi-Policy Discount

    Erie offers discounts for bundling your car insurance with one of its life or homeowners insurance policies. This discount cannot be combined with the Erie Rate Lock add-on, however.

    Reduced Usage Discount

    You can get a discount on your premium in all states except Kentucky if you don’t use your car for 90 consecutive days.

    Young Drivers

    In every state but North Carolina, unmarried drivers under the age of 21 can get a discount on their policy.

    Annual Payment Plan

    Erie offers discounts on your policy when you choose to pay annually instead of monthly.

    Erie Auto Insurance Coverage

    Erie Insurance offers an extensive array of insurance products, including the following standard coverage options.

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle, a road hazard, or if you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Erie Auto Insurance Coverage Options

    In addition to its standard coverage, Erie offers several benefits and add-on coverage options.

    Pet Coverage

    If your pet is injured in an accident, Erie will cover vet bills up to $500 per pet and $1,000 total.

    Auto Glass Repair

    You can get no-deductible glass repair when you have comprehensive coverage. Erie also offers an upgrade to Full Window Glass. With this policy, you’ll have no deductible for replacements and repairs.

    Roadside Assistance and Rental Car Bundle

    Erie combines two popular options – emergency roadside assistance and rental car reimbursement – into one package.

    New Auto Security

    With this option, Erie will replace your car if it gets totaled and you’ve had it less than two years. If you owned your vehicle for more than two years, Erie will replace it with a vehicle that’s two years younger.

    Erie Auto Plus

    Erie offers a premium upgrade for an additional $30 per year. This add-on includes advanced benefits like a $10,000 death benefit, a diminishing deductible, and increased coverage in a variety of areas.

    Erie Usage-Based Insurance

    While Erie offers a comprehensive set of coverage options, discounts, and add-ons, it does not have a traditional usage-based insurance option. If you’re a low-mileage driver, another provider may be a better fit.

    Erie Insurance Mobile App

    Erie Insurance is one of several car insurance companies that has its own app. The app, which is available for both iOS and Android, gives you access to your account and all of its data. 

    Here are some of the things you can do with the Erie auto insurance mobile app:

    • Access policy information. With the Erie mobile app, you can view, send, and print your insurance card and policyholder information. 
    • Use paperless billing. You can also use Erie’s mobile app to view and pay your bills online. The app allows you to save your payment information for future use.
    • Communicate. The mobile app lets you get in touch with your insurance agent.
    • Follow claims. You can view your claim status anytime using the mobile app.

    The Erie auto insurance mobile app isn’t the company’s only digital offering. Erie YourTurn is a safe driving app that tracks mileage and driving events like hard acceleration, quick stops, and phone usage. Drivers who record safe driving habits through the app are made eligible for savings and discounts.

    Erie Auto Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 120
    J.D. Power customer satisfaction index: 880 / 1,000
    Trustpilot rating: 3.4

    Erie Insurance has a positive reputation for customer service in the areas where it operates. The company also performs well in J.D. Power studies, scoring above the industry average in the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM. In the 2021 U.S. Auto Insurance StudySM, Erie Insurance ranked first in the North Central region and second in the Mid-Atlantic region.

    Positive Erie Auto Insurance Reviews

    Erie customers who give positive reviews mostly focus on the company’s competitive rates, discount programs, and responsive service from their local agent.

    “My car’s rear windshield randomly shattered one day. I contacted Erie’s dedicated glass line and spent exactly zero seconds on hold. I was greeted by a very friendly and helpful person who took care of everything in a few minutes.”
    – Stephen D. via Trustpilot

    Negative Erie Auto Insurance Reviews

    Not everyone reports a positive customer experience with Erie, however. Negative Erie insurance reviews and customer complaints tend to reference delays and issues around payments.

    “After many years [as] a loyal customer, with zero accidents on my file, I got into an accident on April 15. It is now June 11 and I still [do] not have my vehicle. I have been turned around to so many agents [and] they didn’t have a clue about my case.”
    – Leslie L. via BBB

    Erie Auto Insurance Rating: 4.0 Out Of 5.0

    Our team of experts gives Erie Insurance 4.0 out of 5.0 stars. The insurer earns points for its comprehensive coverage options and competitive pricing. It is also in excellent financial standing, meaning you don’t have to worry about its ability to settle your claims should you have any.

    Overall, the biggest drawback with Erie is its limited availability. The company only offers coverage in 12 states and the District of Columbia, leaving many people without Erie as an option. That said, Erie auto insurance can be an excellent option if you live in an area where it’s available.

    Cost

    4.0

    Coverage

    4.0

    Reliability

    4.0

    Service

    4.0

    Overall Rating

    4.0

    About Erie Auto Insurance

    Founded: 1925
    Parent company: Erie Insurance Group
    States available: District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
    AM Best financial strength rating: A+
    Insurance types: Auto, home, life

    Other Recommendations For Car Insurance

    Our team found Erie auto insurance to be a great choice for drivers who live in areas the company serves, but it’s not available to many people in the U.S. There is no one-size-fits-all solution when it comes to insuring your vehicle, so we recommend comparing quotes from multiple providers before making a decision. In your search for auto insurance, we suggest getting quotes from two top-rated companies: Progressive and Geico.

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    Progressive: Best For High-Risk Drivers

    Progressive is a giant of the auto insurance industry that was established in 1937. Based on our research, we found Progressive to have affordable rates and excellent customer reviews. The company offers coverage for custom parts, roadside assistance, rental car reimbursement, and lease/loan payoff. Progressive also has an A+ financial strength rating from AM Best and offers discounts for safe driving habits and bundled insurance packages. 

    To learn more about the provider, read our full Progressive insurance review.

    Geico: Best Overall Provider

    Of all the providers we researched, we rated Geico as the Best Overall Provider for most drivers. The company is frequently recognized for its customer service excellence and smooth claims process. Industry reviews for Geico are strong, with an A++ financial strength rating from AM Best and an accredited A+ rating from the BBB. Geico’s use of technology through its mobile app and DriveEasy program help provide a positive customer experience as well.

    For more information, check out our Geico insurance review.

    Frequently Asked Questions

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.