Cheap Car Insurance in Erie, PA

Written by Xuyun Zeng and 1 other
Updated Mar 24, 2025
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Cheap Car Insurance in Erie, PA

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Erie presents unique driving challenges with its lake-effect snow, which can create hazardous winter road conditions. Heavy fog from Lake Erie can also reduce visibility, especially near the waterfront and along Interstate 90. 

As a smaller city, traffic is usually manageable, but icy roads can lead to delays. We’ve gathered data from Jerry customers in Erie to show you how rates can vary based on age, driving history and address. Our data should help you choose the best coverage for your vehicle.

Cheapest minimum coverage in Erie, PA

These are the cheapest quotes that drivers in Erie have received via Jerry for minimum coverage.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $400 Progressive 28 September 28, 2024 Erie, PA 16508
$36 $430 Progressive 35 May 3, 2024 Erie, PA 16507
$37 $446 Progressive 48 October 16, 2023 Erie, PA 16508
$37 $446 National General 49 January 21, 2025 Erie, PA 16509
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
$42 $502 National General 39 December 28, 2024 Erie, PA 16510
$42 $502 National General 39 December 27, 2024 Erie, PA 16510
$43 $520 Embark General 68 March 8, 2024 Erie, PA 16508
$44 $526 Bristol West 57 January 8, 2024 Erie, PA 16511
$44 $526 Bristol West 57 December 28, 2023 Erie, PA 16511
Last Updated Mar 31, 2025

Pennsylvania requires drivers to carry these minimum coverages:

  • $15,000 in bodily injury liability for injury to one person.
  • $30,000 for bodily injury liability for injury to several people in an accident.
  • $5,000 for property damage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Erie

Full coverage provides collision and comprehensive coverage, which means you’re insured against weather-related incidents, theft, vandalism and other damages to your vehicle. Here are the cheapest full coverage quotes that drivers in Erie have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $400 Progressive 28 September 28, 2024 Erie, PA 16508
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
$43 $520 Progressive 48 October 16, 2023 Erie, PA 16508
$52 $618 Progressive 36 May 20, 2024 Erie, PA 16502
$57 $680 Progressive 39 December 28, 2024 Erie, PA 16510
$58 $700 National General 50 January 13, 2025 Erie, PA 16502
$61 $728 Progressive 61 October 31, 2023 Erie, PA 16502
$61 $736 Bristol West 50 January 13, 2025 Erie, PA 16502
$63 $752 Progressive 50 January 13, 2025 Erie, PA 16502
$72 $868 National General 34 February 10, 2025 Erie, PA 16507
Last Updated Mar 31, 2025

Cheapest car insurance for young drivers in Erie (18-29 years old)

Young drivers typically pay the most for car insurance because insurers view their lack of driving experience as a risk. These are the cheapest quotes that young drivers in Erie have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$33 $400 Progressive 28 Yes September 28, 2024 Erie, PA 16508
$44 $528 Progressive 27 No May 15, 2024 Erie, PA 16509
$50 $602 National General 27 No May 15, 2024 Erie, PA 16509
$54 $648 Progressive 28 No April 15, 2024 Erie, PA 16507
$59 $712 Embark General 27 No May 26, 2024 Erie, PA 16541
Last Updated Mar 31, 2025

Cheapest car insurance for mature drivers in Erie (30-54 years old)

Drivers between the ages of 30 and 54 typically pay lower insurance rates than younger drivers. Here are the cheapest quotes that mature drivers in Erie have received, based on Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $372 Progressive 48 No October 16, 2023 Erie, PA 16508
$36 $430 Progressive 35 No May 3, 2024 Erie, PA 16507
$37 $446 National General 49 No January 21, 2025 Erie, PA 16509
$39 $464 Progressive 30 No January 29, 2025 Erie, PA 16510
$42 $498 National General 51 No January 30, 2025 Erie, PA 16508
Last Updated Mar 31, 2025

Cheapest car insurance for older drivers in Erie (55+ years old)

Drivers aged 55 and older usually pay a lower rate, but premiums typically rise when a driver hits 70 years old. Here are the cheapest quotes for older drivers in Erie, based on Jerry’s data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501 Yes
$43 $520 Embark General 68 March 8, 2024 Erie, PA 16508 No
$44 $526 Bristol West 57 January 8, 2024 Erie, PA 16511 No
$44 $526 Bristol West 57 December 28, 2023 Erie, PA 16511 No
$44 $528 Bristol West 57 January 24, 2024 Erie, PA 16511 No
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with clean records in Erie

Drivers with clean records typically get the best rates. Here are the cheapest quotes that drivers in Erie have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$33 $400 Progressive 28 September 28, 2024 Yes Erie, PA 16508
$36 $430 Progressive 35 May 3, 2024 No Erie, PA 16507
$37 $446 National General 49 January 21, 2025 No Erie, PA 16509
$39 $464 Progressive 30 January 29, 2025 No Erie, PA 16510
$43 $520 Embark General 68 March 8, 2024 No Erie, PA 16508
$44 $532 Progressive 48 August 15, 2024 No Erie, PA 16510
$46 $546 Progressive 35 April 29, 2024 No Erie, PA 16507
$48 $574 The General 34 February 15, 2024 No Erie, PA 16509
$48 $580 National General 35 January 25, 2025 No Erie, PA 16510
$49 $588 The General 35 November 11, 2024 No Erie, PA 16510
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with low credit scores in Erie

Pennsylvania allows insurers to use credit scores to help determine premiums, and drivers with low credit scores typically pay higher prices. Since insurers have different pricing models, shopping around can yield savings on your car insurance. Here are the cheapest quotes that drivers in Erie with low credit scores have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $36 $430 Progressive 35 May 3, 2024 Erie, PA 16507
<550 $37 $446 National General 49 January 21, 2025 Erie, PA 16509
<550 $41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
<550 $46 $546 Progressive 35 April 29, 2024 Erie, PA 16507
<550 $52 $618 Progressive 36 May 20, 2024 Erie, PA 16502
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with at-fault accidents in Erie

An accident typically results in a more expensive insurance premium, but each insurer has its own method for calculating this increase, so it’s wise to rate shop before your policy renews to get the best price. These are the cheapest quotes that drivers with at-fault accidents in Erie have received via Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $31 $372 Progressive 48 No October 16, 2023 Erie, PA 16508
At Fault With No Injury $42 $498 National General 51 No January 30, 2025 Erie, PA 16508
At Fault With No Injury $42 $502 National General 39 No December 28, 2024 Erie, PA 16510
At Fault With No Injury $42 $502 National General 39 No December 27, 2024 Erie, PA 16510
At Fault With No Injury $43 $520 Progressive 48 Yes October 16, 2023 Erie, PA 16508
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with speeding tickets in Erie

A speeding citation typically causes an increase in your insurance premium. These are the cheapest quotes that drivers with speeding tickets in Erie have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $52 $626 First Acceptance 34 January 1, 2025 Erie, PA 16504
Speeding over 15 $67 $808 First Acceptance 37 June 9, 2024 Erie, PA 16504
Speeding under 15 $68 $810 Progressive 29 April 15, 2024 Erie, PA 16510
Speeding under 15 $74 $890 Bristol West 29 November 3, 2023 Erie, PA 16510
Speeding over 15 $85 $1,014 The General 29 January 18, 2024 Erie, PA 16510
Last Updated Mar 31, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.