Erie Insurance review 2021


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In its near century-long business in insurance after being founded in 1925, Erie has gone from offering policies in Pennsylvania to operating in 12 states total. Its coverage includes more populated states like New York and expands to farther states like Tennessee. Despite its limited state coverage, Erie ranks within the 15 largest companies for market share in both home and auto and also offers additional policies for life and business.

Erie continues to build a strong reputation, as it climbed five spots in the latest Fortune 500 list. The company’s reputation carries over to its policyholders as well, as reflected in Erie being awarded a 2020 Confirmit ACE Award for the Voice of Customer category, which reflects they handle claims satisfactorily.

Erie car insurance

With Erie car insurance, you can get the standard collision and comprehensive coverage, but you also have a multitude of options for additional coverage and pricing. In terms of length and extent of coverage, Erie has several features that make it competitive in the market.


When getting your Erie insurance quote, consider these types of auto insurance coverage you may want to include on your policy:

  • Bundled coverages let policyholders expand coverage to multiple cars for pennies a day.
  • Transportation expense/Rental car coverage provides rental car coverage when a car is disabled due to situations such as fire, theft or damage. Rental car coverage following a collision requires additional coverage. Upgraded rental car classes generally have higher premium rates.
  • Emergency roadside service coverage helps with lockouts, flat tires, dead batteries, tows and more. The service is an add-on with no deductible and available 24/7.
  • New car protection replaces a vehicle less than 24 months old, which is a total loss in an accident, with a new vehicle of the latest model year.
  • Better car protection replaces a totaled vehicle with a vehicle two years newer.
  • Ridesharing is a coverage add-on when using a private vehicle for rideshare companies such as Uber or Lyft.
  • Pet coverage provides up to $500 per pet and a total limit of $1,000 for veterinarian care if a pet is hurt in a car accident.
  • Personal item coverage provides up to $350 for losses to clothing, luggage or other personal belongings stored inside an insured vehicle that has full coverage.
  • Auto glass repair waives the deductible for windshield repairs on insured vehicles with comprehensive coverage and provides new wiper blades if the windshield has to be replaced. Additional coverage can be added to waive deductibles for both windshield repairs and replacement.
  • Locksmith services coverage provides up to $75 for insured vehicles with comprehensive coverage in instances where car keys have to be recovered from inside the locked car.

Cost of Erie car insurance

The average premium for Erie car insurance is relatively affordable at $409 annually for minimum coverage and $1,233 annually for full coverage. These rates are well under the national average for car insurance, which are $565 per year and $1,674 per year for minimum and full coverage, respectively.

Average annual cost for minimum coverage Average annual cost for full coverage
$409 $1,233


Erie has multiple discounts and savings opportunities for insured drivers to potentially qualify for, including:

  • Erie Rate Lock keeps premiums the same year to year unless you are making policy changes such as adding or removing a vehicle, changing drivers on the policy or moving.
  • First accident forgiveness prevents an additional fee from being added to premiums following a policyholder’s first at-fault accident. Depending on which state you live in, this option may only be available to insureds who have had an Erie policy for at least three years.
  • Diminishing deductible reduces deductibles by $100 for each claims-free policy year up to a $500 maximum.
  • Annual payment provides a discount for paying your premium upfront in a lump sum.
  • Multi-policy policyholders with multiple vehicles or multiple policies may qualify for discounts from 16-25%. Erie’s multi-policy discount varies by state.
  • Safety equipment apply to vehicles with features such as airbags, anti-theft devices and anti-lock brakes.
  • Youthful driver apply for unmarried drivers under 21 who live with their parents.
  • College credit offers an opportunity for insureds to receive a discount if their child is away at school without access to a car.
  • Safe driving provides a discount for being a safe driver with a good driving record.
  • Driving training apply for drivers under 21 who complete an accredited driver training course.
  • Vehicle storage of a vehicle could qualify you for a discount if you store your car for 90 consecutive days.
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Erie home insurance

Erie is the 11th largest insurer for homeowners policies. The company has a guaranteed replacement cost and additional options to help better align your coverage with your individual needs.


Home insurance coverage options from Erie include:

  • Structure coverage protects a home’s exterior from weather, fire and other damage with insurance to rebuild at current construction costs.
  • Personal property coverage protects items and property from damage, theft and loss.
  • Liability coverage protects policyholders from lawsuits due to injuries to someone or damage to someone else’s property.
  • Home business protection is optional coverage for a business run out of your home.
  • Extra coverage for valuables for items like computers, electronic equipment, firearms, jewelry and other valuables and valuables,
  • Water/sewer backup coverage for sewers, drains and sump pumps.
  • Guaranteed replacement cost offers dwelling coverage for replacement costs of your home, even in the case that you have to rebuild it entirely.

Cost of Erie home insurance

An Erie’s homeowners insurance policy typically costs $1,088 per year on average for $250K in dwelling coverage. This is considerably less than the national average for home insurance policies, which is $1,312 per year. However, your premium will likely be different based on your location, replacement value and other factors.


Erie’s home insurance discounts include:

  • Smoke alarm, burglary alarm, and automatic sprinkler system credit for such systems installed in a home.
  • Advanced quote discount for obtaining a quote before your renewal deadline.
  • Multi-policy discount for customers who bundle a qualified life insurance policy with their Erie car and homeowners policies.

Erie life insurance

Erie offers four general types of life insurance policies, including an Erie-specific one. Its website even provides a calculator for customers to use in determining coverage needs, which assesses information regarding your debts, assets and family.

Types of policies offered

Term life

This policy allows you to choose between a 10-, 15-, 20-, or 30-year plan. The policy also breaks down further into two plans — a no-exam policy and a level term insurance policy — to help you get the financial protection you require. The no-exam policy allows coverage up to $90,000, while the level term policy lets you choose between set year plans. Erie also guarantees that term life insurance plans can be converted to whole life regardless of your health, job or activities.

Whole life

If you want to ensure coverage for your family regardless of time, whole life insurance allows you to earn cash value for the duration of your life. You can even borrow this money if you need to. Erie’s policy includes several guarantees, including earned cash value that can be borrowed, consistent payment amounts regardless of health and coverage that does not decrease.

Policies range from $10,000 up to $10 million in coverage and additional policies can be purchased for your children. Accelerated death benefits are available without an additional charge in cases of terminal illness.

Universal life

Erie’s universal life policies offer policyholders the ability to adjust payment schedules and coverage amounts over time as they see fit. Each policy also has guaranteed level death benefits, interest rates and cash value accrual. You may adjust your death benefit without purchasing a new contract and take loans from your policy’s account, which could qualify as tax-free income.

ERIExpress Life

This policy may be a good option for individuals aged 18-55 seeking immediate coverage. Erie offers this as either a term or whole life policy that can go into effect the same day as your application is submitted. You will not need a medical exam for this policy, and coverage ranges from $10,000 up to $500,000. Regardless of the plan you choose, an accelerated death benefit rider will be included.

Erie ratings, reviews, customer satisfaction and complaints

Erie Insurance’s user rating on Consumers Advocate is 3.6 out of 5 or “very good.”

Erie ranks seventh place in the 2020 J.D. Power Auto Claims Study out of 24 eligible ranking positions, in which its customer satisfaction score is 880 out of 1,000 points. Similarly, Erie scores 880 out of 1,000 in the 2020 J.D. Power U.S. Insurance Shopping Study.

Erie has an A+ rating with the BBB, however, the Erie Insurance customer rating on BBB is poor, at less than 2 out of 5 stars. Erie also has a complaint index of 1.68 from the National Association of Insurance Commissioners, which is higher than average. The company’s financial rating is an A+ by A.M. Best, indicating Erie has superior financial health.

Additional policies offered by Erie

In addition to home, life and car insurance from Erie, customers can also opt-in to these policies.

  • Flood
  • Earthquake (as an endorsement to a home policy)
  • Rental income protection
  • Motorcycle, RV, boat, ATV, snowmobile, golf cart
  • Classic/collectible/custom-built car
  • Condo
  • Mobile home
  • Personal valuables
  • Long-term care rider (as an endorsement to a life policy)
  • Personal catastrophe liability
  • Business
  • Business auto

Reasons why Erie is a great option

Erie Insurance has a long history with proven financial stability and assets, making it a Fortune 500 company. It’s a potential option if you’re looking for high-quality auto, home or renters insurance policies at affordable prices.

Furthermore, when you bundle your policies you might save significantly.

Frequently asked questions

How do I file a claim with Erie?

Contact your local Erie agent for help filing a claim. A few, but not all, services are available online.

How do I find a repair shop in Erie’s Direct Repair Program network?

Go to Erie’s repair shop finder and search by ZIP code.

Which states does Erie Insurance cover?

Erie Insurance currently covers 12 states including Indiana, Kentucky, Ohio, Pennsylvania, Illinois, West Virginia, Maryland, North Carolina, New York, Wisconsin, Tennessee, Virginia and the District of Columbia.

Does Erie offer accident forgiveness?

Yes, it does for eligible policyholders. Erie offers accident forgiveness where you won’t incur a surcharge if you’ve been involved in an accident. The only caveat is that in certain states, you must be an Erie customer for three years to qualify.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:


  • Bodily injury liability per person: $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.


  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.