Progressive
$126.83/mo
General
$122.58/mo
Nationwide
$117.25/mo
State Farm
$93.92/mo
Erie
$70.33/mo
Progressive
General
Nationwide
State Farm
Erie
Is driving around the fifth largest city in Pennsylvania a nightmare? Hosting major exits to different cities, how does the Interstate highway system of the city manage the constant bouts of traffic?
However, the simple grid layout of the roads of Erie offers a good driving experience as it runs parallel to the shoreline of Lake Erie.
Since insuring your car is mandatory in any state, we will walk through car insurance details in Erie, Pennsylvania.
The insurance rates in the city are slightly lower than the national and state average. The city's insurance rates are $98 less than the national average.
| Erie Average (yearly) | Pennsylvania Average | National Average |
|---|---|---|
| $1456 | $1481 | $1554 |
When you are planning to buy a new or renew an old one, it is wise to obtain quotes from different car insurance companies as it will help you understand the general trends and the discounts available from each provider.
Excluding USAA, which provides insurance to active and retired military members, the cheapest insurance rates in Erie are found with many of the local and national insurance providers.
The best rates are offered by companies like Erie, State Farm, Nationwide, Progressive, and Travelers.
| Insurance Company | Average Yearly Rate |
|---|---|
| Erie | $1016 |
| Statefarm | $1265 |
| Nationwide | $1228 |
| Progressive | $1889 |
| Travelers | $1692 |
Age is an important non-driving factor that determines insurance rates. This is mainly because statistics prove that there is an increased rate of accidents with younger drivers.
Erie city is no different as the teenage drivers pay the highest, and those falling in the age bracket of 50s pay the least.
| Age Bracket | Average Yearly Rate |
|---|---|
| Teenagers | $4391 |
| 20s | $1990 |
| 30s | $1438 |
| 40s | $1370 |
| 50s | $1275 |
| 60s | $1300 |
Since single drivers file more claims than married ones belonging to the same age, drivers who are single pay higher insurance rates.
| Marital Status | Average Yearly Rate |
|---|---|
| Married | $1456 |
| Single | $1329 |
| Divorced | $1456 |
| Widowed | $1388 |
Gender usually influences car insurance rates. However, in Erie, the average annual rates are similar for males and females.
| Gender | Average Yearly Rate |
|---|---|
| Female | $1456 |
| Male | $1456 |
Maintaining a flawless driving record is an efficient strategy to lower your premium rates if your age does not classify you as a high-risk driver.
Your insurance rates may increase as a result of parking and speeding citations, DUI charges, and at-fault accidents.
| Driving Violation/Incident | Average Yearly Rate | |
|---|---|---|
| At-fault Accidents | $1593 (Damages <$1000) | $2293 (Damages >$2000) |
| DUI/DWI | $2006 | |
| Reckless Driving | $2142 | |
| Speeding Tickets | $1610 | |
Since the insurance providers in Erie use credit scores to determine auto insurance rates, it is crucial to maintain perfect credit scores.
Exceptional Credit or FICO scores can lower car insurance premiums by 55%.
| Credit Tier | Average Rate |
|---|---|
| Exceptional | $1229 |
| Very Good | $1543 |
| Good | $1842 |
| Fair | $2211 |
| Very Poor | $2702 |
The accident rates, crime statistics, and frequency of natural disasters in a place also play a role in determining the insurance rates.
Even if it is part of the same state, it can vary according to zip codes as well. In the city of Erie, zip codes 16501, 16504, 16510, 16506, and 16502 pay the highest car insurance rates.
People who live in 16541, 16511, 16505, 16507, and 16509 will pay the lowest.
The most common factors that determine the insurance rates in any place are the driving factors which include the driving history, accusations of DUI, accidents, or speeding tickets, and a variety of non-driving factors like age, place, car model, and credit scores.
The auto crime rates are lower in Erie city, which leads to lower rates in the city.
Car thefts and uninsured motorists also influence insurance rates. The violent crime rates in the city are on a spike. Though this may not directly affect the car insurance rates, this can categorize your place of residence as an unsafe neighborhood, thereby increasing the auto insurance rates.
The auto theft rate of the city is less than the national average but slightly higher than that of the state.
The statistics show that the number of fatal accidents is around fifty-four per year. This is lower than the state average.
| Criteria | Average Count per year(2016-2019) |
|---|---|
| Fatal accident | 6 |
| Vehicles involved in fatal accidents | 9 |
| Fatal accidents involving drunk people | 1 |
| Fatalities | 6 |
| Persons involved in fatal accidents | 12 |
| Pedestrians involved in fatal accidents | 2 |
It is important to avoid tickets to maintain a clean driving record. You can easily land on a ticket if you are texting or holding your phone. However, the drivers are permitted to make, receive, and end phone calls.
When there is an incident on the side of the road, drivers of the state must move at least one lane away from the incident, putting at least one lane between the incident and traffic. If you are unable to move over, you are required to slow down.
One must be prepared for driving during winter in the state. Always be on the lookout for updates and equip your car to drive during the season.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Erie insurance company offers its services in twelve states. They serve 12 states, namely, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin—and the District of Columbia.
Car insurance in Erie is lower than the national average, making it affordable compared to most of the cities.
The average monthly cost of car insurance in Erie is $121, which is $1456 per year.
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