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.


  • 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 a covered loss such as fire, theft or damage.
  • 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 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 surcharge from being added to premiums following a policyholder’s first at-fault accident, and may have a three-year waiting period depending on the state you live in.
  • 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%, which varies by state.
  • Safety equipment applies to vehicles with features such as airbags, anti-theft devices and anti-lock brakes.
  • Youthful driver discount nets between 5%-20% in eligible reductions 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.
  • 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. Erie’s home insurance policy includes standard coverages like dwelling, personal property, liability and additional living expenses, plus some extra add-ons available to customize your homeowners insurance.


  • Extra coverage for valuables for items like computers, electronic equipment, firearms, jewelry and other valuables.
  • Water/sewer backup coverage is an optional coverage offered to protect your home and belongings if water backs up into sewers, drains or 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 $897 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 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.
  • 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. Policies range from $10,000 up to $10 million in coverage, with a free terminal illness accelerated death benefit rider included.
  • Universal life: Erie’s universal life policies provide the flexibility to adjust your death benefit without purchasing a new contract and taking loans from your policy’s account, which could qualify as tax-free income. Each policy also has guaranteed level death benefits, interest rates and cash value accrual.
  • ERIExpress Life: This policy may be a good option for individuals aged 18-55 seeking immediate term or whole life insurance 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.

Erie ratings, reviews, customer satisfaction and complaints

J.D. Power auto claims study score J.D. Power home insurance study score AM Best
Erie 880 / 1,000 880 / 1,000 A+

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 also has a complaint index of 1.10 from the National Association of Insurance Commissioners, which is slightly higher than average. The company’s financial rating is an A+ by A.M. Best, indicating Erie has superior financial health.

Erie’s mobile app is offered on Android and iPhone, allowing customers to access their policies, track claims, view ID cards, pay bills and more. The Android app on Google Play has 3.8 stars and 3.3 stars on the App Store.

Bankrate gives Erie a score of 4.4 out of 5, based on a combination of third-party rankings from the NAIC and J.D. Power, its financial strength and average quoted rates. This score can be used to help you make a decision when purchasing insurance and considering Erie.

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

Top reasons to consider Erie

Erie has a wide range of coverages and discounts for auto insurance but limited discount opportunities for homeowners insurance. Though Erie has a small footprint in the U.S., it may be a good fit for policyholders looking for broad auto coverage in the Northeast states. With dedicated agents, policyholders wanting a personalized experience may also consider Erie for their insurance needs.

Erie Insurance has a long history with proven financial stability and assets, offering high-quality auto, home or renters insurance policies at affordable prices.

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.

Is Erie Insurance competitive?

Based on the rates provided, Erie’s rates for auto and home insurance are lower than the national average costs for insurance. Though rates are based on individual and household factors, customers may find Erie’s car and homeowners insurance rates competitive compared to other insurance companies.


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.

Written by
Mariah Posey
Insurance Editor
Mariah Posey is an auto and homeowners insurance writer and editor for She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
Edited by
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Assistant Vice President & Claims Field Manager