Erie Auto Insurance Review for 2022

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Since 1925, Erie Auto Insurance has remained a reputable and trusted provider in more than a dozen states nationwide.

According to Erie Insurance, over 90% of their customers stay with the company year after year.

Erie offers many car insurance coverage options, including other types of insurance that you can bundle together. Erie is a solid choice for auto insurance due to high driver satisfaction with the company’s customer service.

If you’re considering Erie auto insurance, we’ll tell you everything you need to know in this review so you can compare which options are best for you.

What types of auto insurance can you get from Erie?

Erie offers customizable auto insurance coverage in addition to meeting state coverage minimums. Like other auto insurance providers, Erie offers common coverage options for drivers, including:

Here is an overview of the types of optional coverage provided by Erie:

  • Auto glass repair (included in the complete package)
  • pet blanket
  • Personal Effects Coverage
  • Roadside assistance
  • Reimbursement of the rental car
  • Locksmith services

Erie also offers options that can uniquely enhance your auto coverage if you choose them. These are:

  • Erie Auto Plus™: For an additional $35 or less per year, drivers can get benefits including a declining deductible, $10,000 death benefit, waived deductibles in special situations, and more.
  • Erie Rate Lock™: If you opt for this insurance upgrade, your rates will remain the same even if you file a claim until you make changes to your policy. You can also make changes to your policy and your premium price only reflects the change made.

What discounts does Erie auto insurance offer?

Along with additional and unique coverage options, Erie also offers an assortment of car insurance discounts, including:

  • Multi-policy discount
  • Multi-car discount
  • Discounts for safe driving
  • Discounts on car safety equipment
  • Reduction of use
  • Young driver discount
  • Annual payment plans
  • Decreasing deductible
  • New car protection
  • Better car protection
  • Coverage for non-owned automobiles

Some of the coverage discounts are only available in certain states, often at an additional premium.

How much does Erie auto insurance cost?

Various factors and demographics influence a driver’s policy premiums, including level of coverage, age, marital status, and average number of miles driven in a typical year. Other factors, including your location, driving record and credit history, also affect rates. Let’s take a closer look.

Using Kelley Blue Book data obtained from Savvy, the average annual rate for Erie drivers with minimum liability coverage is $1,562 in states where the company operates. Savvy collects data from consumers’ current policies, including information on rates, age, marital status, and other demographic data.

The statistics provide a representative sample used as a general guide. Learn more about Savvy’s methodology.

age range sex Civil status Average monthly cost
25 to 34 Women Only $145
25 to 34 Man Only $161
25 to 34 Women Married $220
25 to 34 Man Married $211
35 to 49 Women Only $128
35 to 49 Man Only $151
35 to 49 Women Married $211
35 to 49 Man Married $194
50 to 69 Women Only $163
50 to 69 Man Only $168
50 to 69 Women Married $174
50 to 69 Man Married $166

Source: Savvy

Which states offer Erie auto insurance?

For drivers living in states where coverage is available, Erie is a hidden gem with great benefits and additional coverages that drivers should take advantage of if they can. You can find Erie auto insurance coverage at the following locations:

  1. Illinois
  2. Indiana
  3. Kentucky
  4. Maryland
  5. new York
  6. North Carolina
  7. Ohio
  8. Pennsylvania
  9. Tennessee
  10. Virginia
  11. washington d.c.
  12. West Virginia
  13. Wisconsin

What other factors influence my Erie car insurance quote?

Since various factors influence your auto insurance rates, we’ll look at several that determine a driver’s risk factor, such as where you live, at-fault accidents, DUIs, and credit score.

Location

Living in a low crime area will have a positive impact on your auto insurance rates, compared to residing in a major city with higher crime and accident rates. Additionally, living in an area prone to earthquakes, hurricanes, floods, or other extreme weather conditions impacts how insurers quote your insurance. The state you live in also affects rates due to auto insurance minimums.

At-fault accidents

Car insurance premiums will increase if you are involved in an at-fault accident. According to data from The Zebra, drivers can expect their monthly premium to increase by an average of $767 per year following an at-fault accident.

DUI

If you ever drive under the influence or while intoxicated and are charged, it can affect your auto insurance premiums for up to five years. According to The Zebra, an impaired driving conviction, in general, can set drivers back more than $1,086 a year in insurance rate increases for several years.

Credit score

Much like buying a home, applying for a credit card, or applying for a loan, your car insurance premium is highly dependent on your credit history and score. Before shopping for a policy with Erie, you may want to research your credit score to find out where you stand.

Erie Insurance Ratings and Rankings

According to S&P Global Market Intelligence, Erie is the 13th largest auto insurer in the United States. The company, based in Erie, Pennsylvania, received an A+ rating from AM Best for financial strength, meaning it is financially able to pay its claims. Erie Insurance also ranked 347th on the Fortune 500 for 2021, up from 376 a year earlier.

How satisfied are Erie Insurance customers?

Erie Insurance received the highest customer satisfaction rating of 857 out of 1,000 in the North Central region from the latest JD Power 2021 US Auto Insurance Study. Erie ranks ahead of State Farm and COUNTRY Financial in the study.

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