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Erie Car Insurance Review

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Erie auto insurance - Introduction

Erie Insurance is a private auto insurance company that is active in 12 states in the United States. They also sell a wide range of other insurance and financial products through agents. Erie may be the best fit for you if you're looking for a well-known brand with a wide range of products and competitive prices.

Erie holds a high position among its competitors as the car insurance company with one of the best customer satisfaction ratings across the country. Erie Insurance is also one of the most financially stable insurance companies.

We at Way.com will go over insurance coverage options, discount options, and more in this Erie car insurance review to help you determine if this insurance company is right for you. It's essential to compare quotes from the best car insurance companies to receive the best rates, regardless of which provider you choose. This holds true whether you're searching for usage-based or classic car insurance.

Pros and Cons

Pros Cons
Low levels of customer dissatisfaction with auto insurance Most states do not have it
There are numerous benefits and coverage alternatives No mobile claims
Option of locking in your auto insurance cost.  

Unique Erie auto insurance features

Erie Insurance has several features that set them apart from other car insurance companies.

Features What it means
Accident forgiveness This will prevent you from being charged a surcharge after your first at-fault accident after three years of being an Erie customer.
Pet injury coverage Enroll in this program to get up to $1,000 in veterinarian care for pets hurt in your vehicle in a collision.
Comprehensive auto insurance benefits If you get your windshield replaced, you will receive a new set of wiper blades and glass replacement with no car insurance deductibles.

Personal things cover up to $350 for clothing, luggage, and other goods inside an insured car
Better protection of your car If your car is at least 24 months old and is wrecked, this coverage will pay for a car of the same make and model that is not older by two years. In other cases, Erie will pay off the car loan if it exists.
Rental car coverage options Most car insurance companies will include rental car coverage at an additional expense, so you can travel around if your car is being repaired for covered damage. Erie's complete coverage covers the minimum coverage for free, but you can pay more for improved rental options.
Coverage for rideshare drivers If you drive for a service like Uber or Lyft, the businesses' insurance covers you while you're carrying passengers or enroute to pick them up, but not while you're waiting for ride requests. Erie's rideshare insurance fills that gap for drivers.

Erie auto insurance coverage

Emergency Road Service: Provides coverage for modest towing and labour costs at the location where your car breaks down.

Rental Reimbursement: This insurance covers the expense of renting an automobile. Customers with comprehensive coverage have six options for rental car coverage.

New Car Protection: Provides coverage if your new vehicle (up to 24 months old) is totalled in an accident. It will be replaced by a new vehicle from the most recent model year by Erie.

Better Car Protection: Covers your vehicle in the event that it is totalled. It is capable of replacing an older vehicle with one that is two years newer.

Lease Loan Protection: If your financed or leased vehicle (not older than 24 months) is totalled, Lease Loan Protection covers the amount. Carry-over debts from previous loans/lease agreements are not included.

Coverage for Rideshare Drivers: This insurance protects you if you use your personal vehicle to work for a transportation network operator.

Personal Item Coverage: Covers physical damage to your things inside an Erie-insured car, including clothing and bags (up to $350).

Auto Glass Repairs: For repairing or replacing a windshield, the deductible is waived.

Locksmith Coverage: Covers the cost of a locksmith (up to $75) if you lock your keys in your car.

Pet Insurance: Covers the costs of veterinary treatment (up to $500 per pet, a total of $1,000) if your pet is injured in an accident while riding in your automobile.

To understand types of auto insurance coverage in detail, check https://www.way.com/blog/types-of-car-insurance-coverage/

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Erie auto insurance coverage limits

In our analysis, drivers with low coverage paid an average of $1092, while those with medium coverage paid $1173. Compared to national averages, each of these levels of coverage represents a 13 percent savings.

Erie’s average rate for drivers with a high level of coverage is $2,345, which is more than the national average of roughly $1400 for this group. Another set of data suggests that Erie Insurance may save money for many clients.

Low Coverage: Liability limits set by the state.

Medium Coverage:

Amount of coverage Purpose of coverage
$50000/$100000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$50000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$100000/$300000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$100000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

Erie auto insurance rates

You can get free car insurance quotes for yourself when you enter your personal details. Among the best car insurance companies, Erie provides some of the most affordable car insurance quotes. In our survey, only USAA, State Farm and The General had lower rates.

The average rate for Erie is just around 12% higher than the average rate for The General, which is $1110. With an average rate of $1797, Allstate is the most expensive car insurance company in our analysis.

State Farm car insurance rates by age

  • Erie Rates for Teen Drivers - Erie car insurance is not the best car insurance for students. By far, the highest car insurance rates for any age group in our analysis are paid by teen drivers (or, more practically, their parents). On the other hand, Erie is one of the better options, with premiums up to 15% lower than the national average. .
Age Bracket and Gender Rates
<18 or 18-year-old female driver $2998
<18 or 18-year-old male driver $3676
  • Erie Rates for Young Adults - Regardless of which insurance provider we looked at, drivers under 25 had the highest premiums in our analysis. However, Erie did not penalize this demographic too heavily. The average fee for Erie car insurance for women is $1269, while the average charge for men is $1404. This is a 10% to 15% reduction in these rates compared to national averages. .
Age Bracket and Gender Rates
<25 or 25-year-old female driver $1271
<25 or 25-year-old male driver $1412
  • State Farm Rates for Seniors - Erie is only second to USAA and The General in offering reduced rates to senior policyholders. This age group has lower car insurance prices, and State Farm is a wonderful option for these drivers.
Age Bracket and Gender Rates
60-year-old female driver $1056
60-year-old male driver $1048

Erie car insurance rates by coverage

Type of Drivers Average annual rates
Good Drivers $1181
Drivers with a speeding ticket $1312
Drivers who cause at-fault accidents $1416
Drivers with a DUI $1587
Drivers caught without Insurance $1745

Erie Car Insurance for Good Drivers - Erie's inexpensive rates are a viable option for drivers with a clean driving record. Except for USAA, The General and State Farm, our research demonstrates that this group of policyholders saves more than the national average and every competitor in our analysis.

Erie Car Insurance for Drivers with a Speeding Ticket - Avoid speeding if you want to save money on auto insurance. Check out Erie if it's too late for that. According to our research, Erie has the fourth-lowest average rate for this category, after USAA, The General and State Farm and it's only a small increase above State Farm's study rate for good drivers.

Erie Car Insurance for Drivers Who Caused an Accident with Injury - For drivers who have had one accident, Erie is an excellent option. Except for USAA and The General, our research showed a lower rate than the national average and lower than every other firm in our rankings.

Erie Car Insurance for Drivers with a DUI - Even though most car insurance companies in our analysis severely punish DUI drivers, this group can perform better with Erie than most competitors. When compared to the national average rate for this category, Erie's average premium for drivers with this type of offense is the lowest we found, saving drivers roughly 24%.

State Farm Average Insurance Cost By State

The states with the lowest minimum vehicle insurance premiums are Iowa, South Dakota, Hawaii, Wyoming, and Alaska. These states are some of the cheapest areas to reside for car insurance if you care about living in a state with low auto insurance costs.

States Rates
Iowa $363
South Dakota $429
Hawaii $483
Wyoming $492
Alaska $492

The top five most costly states for car insurance are Michigan, Florida, Rhode Island, Kentucky, and Louisiana. The reasons for these costs differ from state to state, but drivers in these states pay some of the highest vehicle insurance premiums in the country.

States Rates
Michigan $5288
Florida $2571
Rhode Island $1596
Kentucky $1341
Louisiana $1335

State Farm auto insurance discounts

When obtaining a Erie car insurance quotation, you may be eligible for numerous discounts based on criteria such as your driving record and policy type. Anti-theft, multiple vehicles, car insurance, safe driving, and car safety discounts are among them.

The following are the discounts available to customers:

  • Discount for no mishaps (maintain a clean record for three years)
  • Discount for safe driving using an app
  • Discount on a defensive driving course
  • Student discounts are available.
  • For new drivers, there is a discount on driver instruction.
  • Discount for students who are away at school
  • Discount for several policies
  • Specific makes and models from 1994 and later are eligible for a car safety rebate.
  • Discount for airbag
  • Discount for anti-theft systems

Erie offers several discounts to help you save money on your insurance. With Erie Rate Lock, you can rest assured your rates remain the same year after year, even if you file a claim. However, Erie Rate Lock isn’t available in all states, and in places like Virginia, it is only valid for three years.

Discounts may be available if you insure numerous cars or have multiple policies with Erie. What’s more? After three years as an Erie client, you'll be eligible for First Accident Forgiveness, which means you won't be penalized if you're at fault in an accident for the first time.

You may even receive discounts for storage of vehicles. Maybe you're travelling to a warmer destination for a time and want to keep your car out of the terrible winter weather. Whatever the cause, Erie offers a reduced usage discount in most states if you plan to store your car for 90 days or longer.

State Farm customer feedback and satisfaction report

According to some Erie customers, one flaw is the insurance's perceived value. Yet, it still scored well for customer satisfaction with available discounts and the use of effective driver tracking to cut prices. Others remarked on the increased rates associated with having a bad credit history. High premiums are one of the most prevalent concerns about State Farm.

Way.com Summary

Erie's quotes and shopping experiences are the finest compared with other big car insurance companies. During our research, we found that the online quote method from Erie is simple to use.

Standard car insurance coverage is handled using the online quote system. But, you will need to contact a Erie Insurance agent if you want coverage for a classic car or an ATV. The customers in 11 geographic regions across the United States gave an over whelming thumbs up to the overall services of Erie. These regions include Florida, New York, and the Northwest of the United States.

About State Farm Car Insurance

Erie Insurance is a publicly traded insurance firm that works with a network of independent insurance agents to provide auto, home, commercial, and life insurance. Fortune magazine has Erie Insurance Group placed 347th among the largest public U.S. firms in terms of revenue as of 2021.

Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin are among the states and the District of Columbia where it operates.

As one of the country's oldest insurers, Erie offers auto insurance with various discount alternatives. Parents of teen drivers may be particularly pleased to learn that safe driver programs and incentives are available to them.

Erie has an AM Best financial strength rating of A+, indicating that it can readily meet its claims commitments.

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A Brief History of Erie

In 1925, two Pennsylvania Indemnity Exchange salesmen, H.O. Hirt and O.G. Crawford, departed to form their own insurance company, Erie Insurance Exchange. Using a hand-written business plan, the two persuaded 90 investors to invest in their company in three months and 20 days, raising $31,000 to start their own vehicle insurance company.

On April 20, 1925, the Pennsylvania Insurance Department granted the Erie Insurance Exchange a licence to operate as an automobile insurer, and the company began operations. The Erie Insurance Exchange was established as a reciprocal, with the Erie Indemnity Business as its managing company. The annual premium for each vehicle was $34.

H.O. Hirt, one of the business's co-founders, sought to build a corporation based on service, coining the slogan "The ERIE is Above All in SERVICE," with the letters "E-R-I-E" raised from the word service. Customers who called the company on a toll-free number may even expect the cofounders to answer the phone.

In 1934, Erie Insurance introduced the "Super Standard Auto Policy," which served as a model for other insurance firms across the country. The policy contained features such as "Drive Other Car" coverage and the waiver of collision deductibles between two ERIE-insured vehicles that were not available in other policies during the 1930s. Later on, the business grew to include home, business, and life insurance.

Erie's Charitable Causes

Erie has established various charitable organizations to assist communities and individuals in need. The following areas of service and giving have been prioritized by Erie Insurance:

Business partners: The American Red Cross, Habitat for Humanity, the United Way, and community foundations are among the groups with which Erie collaborates. Employees also volunteer at the Pennsylvania-based Pfeiffer Burleigh School.

Community partners: Erie assists organizations in raising funds for walks or events. March of Dimes, the American Cancer Society, the American Heart Association, Big Brothers Big Sisters, and the Leukaemia and Lymphoma Society are some of the community partners they work with.

Charity: For people who are a part of the Contribution Network, board members examine charitable giving requests.

Giving in the workplace: Employees can participate in programmes like The Erie Service Corps and the Matching Gifts programme, which allow them to give back to issues that are important to them.

Giving from the field office: Erie gives a $2,500 grant to a charity selected by an organization that exhibits a strong commitment to community service.

Through its Giving Network: Erie also provides grants and funds to NGOs and qualified educational institutions.

Auto Insurance Data Methodology

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

Frequently Asked Questions

Is Erie a good insurance company?

According to our prices analysis and customer satisfaction survey, Erie is a decent auto insurance company for most drivers. Erie comes in fourth place in our Best Car Insurance Companies rating, just behind USAA, State Farm and The General thanks to their mix of reasonable rates and excellent customer service.

How to cancel Erie Insurance?

Call toll-free at 800-458-0811 weekdays from 8 a.m. to 11 p.m. ET or Saturdays from 9 a.m. to 4:30 p.m. ET to cancel your coverage over the phone. Better still, make direct contact with your local agent. Your Erie representative will walk you through the cancellation procedure, which includes submitting a written notice. You may be required to notify the DMV if you cancel or alter your auto insurance in some states, so check with your agent to see if this applies to you.

Does Erie offer gap insurance?

Erie does not provide gap insurance. However, if a leased car is totaled, the firm does offer new car replacement, which will pay off the policyholder's lease debt. Customers who do not have a lease can also benefit from Erie's new-car replacement add-on.

How much is State Farm car insurance?

Drivers with low coverage paid an average of $1110, while those with medium coverage paid $1181. State Farm's average rate for drivers with a high level of coverage is $1276.

What does Erie full coverage auto insurance cover?

Liability, comprehensive, and collision coverage are usually included. If you are in an accident, collision and comprehensive insurance will protect you and your car, and liability insurance will cover any harm you may cause to others.

Is Erie Insurance cheap?

State Farm is one of the lowest-priced car insurance companies for the majority of customers. Liability-only policies cost $603 annually, while full-coverage plans cost $1596. Erie had the third cheapest coverage in ten states, after USAA, The General and State Farm.

What does renters insurance cover Erie?

Renters insurance protects your belongings, and most landlords' insurance only covers the structure and damages caused by negligence. Whether or not you get coverage for some of the most common causes of property damage and loss, such as theft, vandalism, and fire, is entirely up to you. You might have to suffer the financial burden of a loss on your own if you don't have renters insurance.

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