Erie Auto Insurance stands out as a reliable option for insurance coverage. Based in Erie, Pennsylvania, this insurer serves customers across 12 states and Washington, D.C. It consistently receives positive feedback, achieving high satisfaction ratings in J.D. Power assessments.
Pros and cons of Erie car insurance
Erie’s range of coverage options and high customer satisfaction ratings position it as one of the top car insurance providers in the states where it operates. Evaluating the advantages and disadvantages of Erie auto insurance can assist you in determining whether this company aligns well with your requirements.
Pros
Cons
- Exceptional J.D. Power Ratings for customer and claims satisfaction.
- Erie Rate Lock can assist in maintaining consistent rates over an extended period.
- Full coverage policies automatically provide coverage for pet injuries and travel costs.
- State availability is restricted.
- Unable to submit a claim via the mobile application.
Erie shares the No. 9 position overall with Progressive in our evaluation of the top 10 auto insurance providers. Erie ranked in the lower half in the customer service and customer loyalty categories, placing No. 9 and No. 8 respectively. For claims handling, it is tied for No. 6 with Geico, while it holds the No. 3 spot for the best car insurance options for senior drivers. Our ratings are based on survey responses that reflect consumer experiences with their auto insurance companies.
Erie offers the second-lowest sample premium among the companies we analyzed, with an annual cost of $1,532. Additionally, it provides the most affordable rates in certain driver categories we examined. The only company with consistently lower sample rates is USAA, which exclusively serves current and former military members and their families.
Erie auto insurance cost
According to our evaluation of average premiums provided by Quadrant Information Services, Erie stands out as one of the most affordable car insurance providers for individuals with clean driving histories. The average annual cost for Erie’s full coverage car insurance is $1,974, whereas the average for minimum coverage is $679 per year.
Car insurance regulations differ from state to state, but nearly every state mandates a basic level of liability coverage. When compared to other insurers we examined, Erie’s average yearly rate for minimum coverage is relatively low. On average, USAA offers the most affordable rate at $1,272 annually.
Erie auto insurance coverage
When looking for auto insurance, it’s crucial to know the type of coverage you need and what is legally mandated. Many states have a minimum insurance requirement for operating a vehicle. If you’re seeking additional security, you might consider opting for full coverage insurance. Familiarize yourself with the various types of car insurance coverage available to understand their functions better.
Erie Insurance offers auto insurance policies that feature additional benefits that might not be accessible in all states, including:
- Accident forgiveness ensures that after being an Erie customer for three years, you will not incur a surcharge following your first at-fault accident.
- Pet injury coverage offers up to $500 for veterinary expenses for pets harmed in an accident involving your vehicle, with a maximum benefit of $1,000.
- Rate lock allows you to maintain your auto insurance rates for up to three years in Virginia, provided you do not add or remove drivers, change vehicles, alter your parking location, or relocate.
- Diminishing the deductible lowers your deductible by $100 for each consecutive year without a claim, with a maximum reduction of $500.
Car insurance regulations differ from state to state, but nearly every state mandates a basic level of liability coverage. When compared to other insurers we examined, Erie’s average yearly rate for minimum coverage is relatively low. On average, USAA offers the most affordable rate at $1,272 annually.
Acquiring extra financial protection through increased coverage usually results in a higher expense. Erie’s example cost for extensive coverage is significantly lower annually compared to the national average. While it is marginally above the lowest rate we discovered in this category, which belongs to USAA at $1,402 per year, Allstate presents the highest sample premium among the insurers we evaluated, at $3,537 annually.
Erie Auto insurance discounts
Your location can determine whether you are eligible for certain discounts
- Covering multiple vehicles under a single insurance policy.
- Holding Erie home or life insurance alongside your auto insurance.
- Not operating your vehicle for a minimum of 90 consecutive days.
- Equipping your car with safety features such as airbags, anti-theft systems, and anti-lock brakes.
- Paying the entire premium in one lump sum.
- Being single and residing with your parents if you are under 21 years old.
- Maintaining a clean driving record without any accidents.
- Enjoying the benefits of being a long-term Erie customer. After three years, you can access their first accident forgiveness program, which prevents your premium from increasing after your initial at-fault accident.
- Taking advantage of discounts for having multiple types of insurance with Erie.
- Ensuring your vehicle is equipped with modern safety technology to qualify for additional savings.
Compare to other insurers
Erie vs. Farmers
Erie surpassed Progressive in areas like customer service, claims management, and customer loyalty. However, Progressive received a higher score than Erie in our evaluation of the top car insurance providers for discounts.
D/insurers
Erie Insurance
Farmers
Rating
4.3
4.7
Average Annual Rate
$1,532
$3,253
Savings vs. National Average
$536
$1,185
Erie vs. Progressive
Erie shares the ninth position with Progressive in our ranking of best car insurance providers. The average annual premium for Erie is $1,532, which is more affordable compared to Progressive’s $1,848. Additionally, Erie offers lower rates across all demographic groups we examined, including teen drivers, young adults, adults, and seniors. Notably, Erie’s rates for teen drivers are significantly lower, saving them thousands of dollars annually.
Erie surpassed Progressive in areas like customer service, claims management, and customer loyalty. However, Progressive received a higher score than Erie in our evaluation of the top car insurance providers for discounts.
D/insurers
Erie Insurance
Progressive
Rating
4.3
4.3
Average Annual Rate
$1,532
$3,253
Average Annual Rate
$1,532
Savings vs. National Average
$536
Is ERIE a good company?
Where can I get an Erie quote?
How i do file a claim with Erie?
How can I contact Erie?
Customer service number: Erie’s phone number is 800-458-0811.
Email: You can use a form on their website to email Erie.