Since 1925, Erie car insurance has remained a reputable and trustworthy provider in more than a dozen states nationwide.
According to Erie Insurance, more than 90% of their customers stay with the company year after year.
Erie offers many car insurance coverage options, including other types of insurance you can bundle. Erie is a solid choice for car insurance because of drivers’ high satisfaction with the company’s customer service.
If you’re considering Erie car insurance, we’ll tell you all that you need to know in this review so you can compare options that work best for you.
Erie offers customizable auto insurance coverage in addition to adhering to state coverage minimums. Like other car insurance providers, Erie offers common coverage options for drivers, including:
Here’s a look at the optional coverage types that Erie provides:
Erie also provides options that can enhance your auto coverage in unique ways if you choose them. These are:
Aside from additional and unique coverage options, Erie also features an assortment of car insurance discounts, including:
Some of the discounts to coverage are only available in certain states, often for an additional premium.
Various factors and demographics influence a driver’s policy premiums, including the level of coverage, age, marital status, and the average number of miles you drive in a typical year. Other factors, including your geographic location, driving record, and credit history, also affect rates. Let’s take a closer look.
Using data Kelley Blue Book obtained from Savvy, the average annual rate Erie drivers with minimum liability coverage is $1,562 in the states where the company operates. Savvy collects data from consumers’ current policies, including rate information, age, marital status, and other demographics.
The statistics offer a representative sample used as a general guide. See more about Savvy’s methodology.
| Age Group | Gender | Marital Status | Average Monthly Cost |
| 25 to 34 | Female | Single | $145 |
| 25 to 34 | Male | Single | $161 |
| 25 to 34 | Female | Married | $220 |
| 25 to 34 | Male | Married | $211 |
| 35 to 49 | Female | Single | $128 |
| 35 to 49 | Male | Single | $151 |
| 35 to 49 | Female | Married | $211 |
| 35 to 49 | Male | Married | $194 |
| 50 to 69 | Female | Single | $163 |
| 50 to 69 | Male | Single | $168 |
| 50 to 69 | Female | Married | $174 |
| 50 to 69 | Male | Married | $166 |
Source: Savvy
For drivers living in states where coverage is available, Erie is a hidden gem featuring great benefits and additional coverages that drivers should take advantage of if they can. You can find Erie auto insurance coverage in the following locations:
Because various factors influence your auto insurance rates, we will look at several that determine a driver’s risk factor like where you live, at-fault accidents, DUIs, and credit score.
Living in a low-crime area will positively impact your car insurance rates, vs. residing in a large city with higher crime and accident rates. Also, living in an area prone to earthquakes, hurricanes, flooding, or other extreme weather impacts how insurers build your insurance quote. The state where you live also affects rates due to car insurance minimums.
Auto insurance premiums will increase if you’re involved in an at-fault accident. According to The Zebra data, drivers can expect their monthly premium to increase by an average of $767 per year following an at-fault accident.
If you ever drive under the influence or while intoxicated and get charged, it can affect your car insurance premiums for up to five years. According to The Zebra, a DUI conviction, in general, can set drivers back more than $1,086 annually in insurance rate increases for several years.
Just like purchasing a house, applying for a credit card, or applying for a loan, your auto insurance premium is highly reliant on your credit history and score. Before you shop for a policy with Erie, you may want to research your credit score to know where you stand.
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 A.M. Best regarding financial strength, meaning it’s financially able to pay its claims. Erie Insurance also ranked number 347 on the Fortune 500 for 2021, rising from 376 a year earlier.
Erie Insurance received the highest customer satisfaction rating of 857 out of 1,000 in the North Central Region from the latest J.D. Power 2021 U.S. Auto Insurance Study. Erie ranks ahead of State Farm and COUNTRY Financial in the study.
