Erie Car Insurance Quotes: Everything You Need to Know

Erie is a cost-effective provider, offering all-inclusive policies with extra services at affordable prices. Read this comprehensive report on Erie to find out more.
Written by Bonnie Stinson
Reviewed by Kathleen Flear
Erie has glowing customer ratings and affordable insurance options. However, policies are only offered through an exclusive network of independent agents, so Erie car insurance is not available to everyone.
If you’re considering investing in a policy with Erie, comparison shopping app
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How much does Erie car insurance cost?

Your unique rate is based on your age, your vehicle, and your credit score, amongst other factors.
Generally speaking, a policy with Erie could cost you between $1,900 and $3,600 annually, depending on your location and coverage needs.
An 18-year-old with a
clean driving record
can expect to pay about $3,614 per year for Erie car insurance.
A 45-year-old with a good driving record will pay about $113 per month, or $1,365 annually. With a speeding ticket, the rate could increase to $123 per month. Drivers in their 50s and 60s can expect to pay the most affordable rates of all, between $100 and $115 per month, for Erie car insurance.
Overall, Erie car insurance reviews reveal affordable rates across the board, no matter your driving profile. Plus, if you bundle auto with home insurance, you can save even more.

Erie’s auto insurance discounts

Loyalty discounts

If you register multiple cars or multiple policies (i.e., auto, home, life insurance) with Erie, you could enjoy up to 25% off your premium.
Their Feature 15 program offers an extra reward for loyal customers. If you’ve held an active car insurance policy with Erie Insurance for 15 years, then your premiums will not increase and you'll be forgiven after your first two at-fault accidents.

Youth discounts

Drivers under 21 years of age may qualify for discounts that could save them up to 20% on their car insurance.

Annual payment discounts

If you choose to pay your entire annual premium upfront, you may qualify for a
paid in full discount
of up to 7%.

Reduced usage discounts

If your car is in storage for 90 days or more, you may qualify for a reduced car insurance premium.

Safe driver discounts

If you install safety equipment in your vehicle, like
anti-theft devices
and anti-lock brakes, you could be eligible for Erie’s safe driver discount.
You may also qualify for a passive restraint discount from Erie if your vehicle has factory-installed airbags or motorized seatbelts (unless you live in Kentucky).

Erie pros and cons

  • Excellent customer reviews for value, pricing, and service
  • Offers more coverage with basic policies than other providers
  • Unique ability to lock-in your rate
  • Good discounts for young drivers
  • Unavailable in 38 states (only available in IL, IN, KY, MD, NY, NC, OH, PN, TN, VA, WV, WI, DC)
  • Claims must be filed via hotline and online options for changing your policy are limited
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Erie car insurance coverage options


Liability coverage is required in most states. It is designed to cover
property damage
bodily injury
expenses for you and anyone insured under your policy when you are at fault.


Collision coverage
covers the cost (up to your policy limit) of repairing or replacing your vehicle if you’re in a collision with an object or another vehicle. This policy also covers personal items up to $350 in case of collision.


Comprehensive coverage
kicks in when your vehicle is damaged by external forces, such as vandalism, theft, fire, hail, wind, flooding, and other inclement weather.

Medical payments

If you, your passengers, or other involved parties become injured in a car accident,
helps pay for medical expenses. This could include hospitalization fees, dental care, ambulance service, and even funeral costs—no matter who is found at-fault.

Uninsured & underinsured motorist

If you are in an accident with someone who has insufficient coverage, this policy will help cover your expenses.

Optional coverage options

New car protection

If your vehicle is less than 24 months old and it gets totaled, Erie’s
new car replacement insurance
will replace your vehicle with the latest model year. It’s not available in every state, so make sure to check with an agent.

Better car protection

If your car is totaled, this policy is designed to replace the car with a model that is at least two years newer.

Rental car coverage & options

Whereas other companies offer
rental car insurance
for an extra fee, Erie includes this in its basic comprehensive coverage policy. Erie customers also have the option to pay more to upgrade their rental.

Emergency roadside service

Erie’s 24/7 roadside assistance includes:
  • Lockouts
  • Flat tires
  • Dead batteries
  • Running out of gas
  • Pulling you out of a ditch or snow bank if you’re within 10 feet of a highway
  • Towing to the nearest service garage
You have the option to either call the towing company you prefer or call 800-FOR-Erie to connect with Agero, Erie’s nationwide roadside service partner.

Rideshare coverage

rideshare insurance
is a policy add-on tailored to drivers who work for Uber and Lyft. If this is you, your company insurance package might leave you vulnerable during certain key periods when you are on the job. Erie’s rideshare plan will help cover the gaps in your company policy.

Rate lock

This optional coverage helps stop your premium from going up until you make a major change to your policy, such as adding a new car, or relocating to a new home. It’s worth noting that most other companies don’t offer this type of protection from increasing rates.
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What’s included in Erie’s Auto Plus package?

Erie customers can enhance their coverage by purchasing an Auto Plus package for only an additional $35 a year.
Here’s what’s included:

Diminishing deductible

For every consecutive claim-free year, your deductible may go down by as much as $100. You can save a maximum of $500 off with this package.

Higher limits for some coverage

You may qualify for higher coverage limits for non-owned trailers, personal items, and locksmith services. You could also receive up to 10 additional days of rental car reimbursement coverage.

Death benefit

If you are in a fatal car accident, you will qualify for a $10,000 death benefit that can be used to cover funeral expenses and other related bereavement fees.

Erie vs. other insurance companies

Erie offers one of the most affordable car insurance options on the market.
In terms of pricing, customers in their 30s will pay Erie Insurance between $1,500 and $1,900 for car insurance.
On the other hand,
charges drivers with the same profile between $2,150 and $3,140.
Not to mention, a basic auto policy with Erie includes more features than comparable policies at other companies.
For instance, Erie offers stronger rental car insurance and protection for personal items inside the vehicle up to $350. It also offers two excellent optional policies, Erie Auto Plus policy and the Rate Lock-In.
However, whereas most insurance providers cover the entire country, Erie only covers 12 states plus the District of Columbia.
You can only get Erie car insurance if you live in one of the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
So, while Erie’s prices and features are highly competitive, only a small percentage of the country’s population can secure a policy.

How to get an Erie car insurance quote

You can purchase a car insurance policy online or via the mobile app. If you prefer to speak with a live agent, you can also call or visit a brand to discuss your needs.
In order to accurately compare car insurance quotes from multiple providers, you’ll need advanced technology on your side. The easiest way to find out what you can expect to pay for car insurance is to use
. Jerry is a free tool that helps drivers assess their needs and compare car insurance quotes online (in just 45 seconds!).
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How do customers rate Erie auto insurance?

Erie’s car insurance reviews are overwhelmingly positive. In fact, the J.D. Power Auto Insurance Satisfaction study revealed that Erie consistently ranks in the top three insurers in the eastern United States.
Erie Insurance was rated "better than most" in these categories:
  • Policy Offerings
  • Claim Servicing
  • First Notice of Loss (FNOL)
  • Overall Satisfaction
  • Settlement
It was ranked "among the best" in these categories:
  • Local Agent
  • Pricing
  • Estimation Process
  • Rental ExpErience
  • Repair Process
Although Erie is only available in a handful of states, customers report very high satisfaction with the value, pricing, service, and billing process of their Erie car insurance policies.
The only drawback is Erie’s limited network of independent agents. Some customers report dissatisfaction over having to speak with a live agent to manage their policy or make a claim, as Erie offers limited digital self-service options.

Erie’s services and features

Accident forgiveness

Depending on your state, this feature is either available immediately or after three years of claims-free history as an Erie Insurance customer.
Unlike most other insurers, Erie allows customers to earn
accident forgiveness
over a much shorter period.


Erie Insurance also offers a unique app called YourTurn, which measures your driving behavior and gives you a rating every two weeks. Good ratings turn into cash rewards, which you can then donate to charity or spend at specific stores.

Pet injury coverage

If your pet is injured in an accident while riding in your vehicle, this coverage may help pay for veterinary care up to $1,000.

The Takeaway: is Erie right for me?

Erie car insurance is a great choice for people who want bang for their buck. Erie’s policies are more all-inclusive than many other insurance companies, so you will get extra services for an overall low cost.
However, you may not live in a state where Erie Insurance is available, so you might need to consider other providers. Erie is also not an ideal choice if you prefer to manage your car insurance policy completely online.
The most intuitive way to accurately simplify the process is to take advantage of Jerry’s powerful and
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will not only give you the power to make the right decision on your car insurance but will also handle all the tedious phone calls, paperwork, and renewals so that you don’t have to. So are you ready to hop into the driver’s seat?
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