Skip to Main Content

Erie insurance review 2024

Updated May 17, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.2
Rating: 4.2 stars out of 5
Bankrate Score
Caret Down

Auto

Rating: 4 stars out of 5

4.0

Caret Down

Cost & ratings

Rating: 4.5 stars out of 5

4.5

Coverage

Rating: 3.5 stars out of 5

3.5

Support

Rating: 3.5 stars out of 5

3.5

Home

Rating: 4.4 stars out of 5

4.4

Caret Down

Cost & ratings

Rating: 4.7 stars out of 5

4.7

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

If you live in Erie’s 12-state coverage region or Washington D.C., it’s worth checking out personalized rates from Erie for auto, home or life insurance. Erie boasts consistently high J.D. Power satisfaction scores for both auto and home insurance and offers a wide range of coverage and discounts at affordable average prices.

  • Excellent customer satisfaction scores from J.D. Power for home and auto
  • Erie Rate Lock could prevent auto premium increases
  • Pet coverage and diminishing deductibles available
  • Offers guaranteed replacement cost coverage for home insurance

New

What’s new with Erie?
  • In April 2024, Erie Insurance announced nearly $900,000 in grants for educational nonprofits through the Educational Improvement Tax Credit (EITC) program in Erie’s home state of Pennsylvania.
  • In 2023, the Maryland Insurance Administration (MIA) opened an investigation into complaints from Baltimore insurance agencies contracted with Erie alleging that Erie pushed agencies into unfair underwriting practices that amounted to redlining. The investigation found that Erie encouraged agencies to reject policies based on race, socioeconomic status and neighborhood. Erie has since sued MIA in two courts to challenge these findings.

Erie car insurance review

Based in Erie, Pennsylvania since 1925, Erie Insurance serves 12 Northeast states and Washington, D.C. In 2024, Erie’s auto insurance product earned a Bankrate Score of 4.0 out of 5, which reflects the company’s strong coverage options, high customer satisfaction scores and overall financial strength along with its main weaknesses: limited regional availability and digital tools that get mixed reviews from users.

In addition to standard coverage options like liability insurance, comprehensive coverage and collision coverage, Erie offers some policy customization options that aren’t found everywhere: pet injury coverage, windshield repair, travel expense coverage, accident forgiveness and diminishing deductibles. They offer a telematics program called YourTurn that rewards safe driving and a Rate Lock feature (known as RateProtect in New York) which gives customers the ability to lock in a single rate with no possibility of future increases unless they add or remove a car or driver or change their address, which could be a powerful saving tool for some policyholders.

Pros and cons of Erie car insurance

Erie's coverage options and customer satisfaction scores make it one of the best car insurance companies in states where it writes policies. Comparing pros and cons of Erie auto insurance may help you decide if the company could be a good fit for your needs.

Green circle with a checkmark inside

Pros

  • Above-average J.D. Power Scores for customer and claim satisfaction
  • Erie Rate Lock may help keep rates stable over time
  • Full coverage policies automatically include pet injury coverage and travel expenses
Red circle with an X inside

Cons

  • Limited state availability
  • Can’t file a claim through the mobile app
Caret Down

Erie car insurance cost

Based on our analysis of average premiums from Quadrant Information Services, Erie is one of the cheapest car insurance companies for drivers with clean records. Erie’s full coverage car insurance costs an average of $1,901 per year, while minimum coverage averages $719 per year.

Comparatively, the national average cost of car insurance for both coverage levels is higher, at $2,311 per year for full coverage and $640 per year for minimum coverage. Actual rates may vary based on car insurance rating factors, but the premium data below may be a useful comparison tool.

How much is Erie car insurance?

While Erie car insurance premiums are typically well below the national average for drivers with clean records, your credit-based insurance score and driving record could impact what you pay. The table below shows average premium data provided by Quadrant Information Services for a variety of risk profiles. Keep in mind that not all insurers will write policies for drivers with a DUI conviction: if this is your situation, Erie or other insurance companies may choose to deny coverage.

Good driver, good credit
Erie full coverage premium
$1,901
National full coverage premium
$2,311
Erie full coverage premium
$4,081
National full coverage premium
$4,261
Erie full coverage premium
$2,118
National full coverage premium
$2,789
Erie full coverage premium
$2,134
National full coverage premium
$3,299
Erie full coverage premium
$3,289
National full coverage premium
$4,426

Erie car insurance quotes by age

Age is a rating factor in every state where Erie offers auto insurance. Teens and newly licensed drivers are at a much higher risk of causing car crashes due to a lack of driving experience. Drivers under the age of 25 are also statistically more likely to engage in distracted driving or speeding and are less likely to wear a seat belt. These risk factors are reflected in higher premiums.

However, Erie offers opportunities for teens to find cheap car insurance with good student and driver training discounts. Teens and other young drivers may also save money by remaining on their parents' auto insurance policy until they move out on their own. The following average premiums are based on a motorist on their parents' policy with a clean driving record, as well as drivers listed on their own policies. It’s also important to note that minor teens cannot buy their own policies without content of a parent or guardian.

Erie full coverage premium
$4,127
National full coverage premium
$4,974
Erie full coverage premium
$3,783
National full coverage premium
$4,280
Erie full coverage premium
$3,455
National full coverage premium
$4,697
Erie full coverage premium
$2,368
National full coverage premium
$2,930
Erie full coverage premium
$2,081
National full coverage premium
$2,500
Erie full coverage premium
$1,901
National full coverage premium
$2,311
Erie full coverage premium
$1,730
National full coverage premium
$2,080
Erie full coverage premium
$1,901
National full coverage premium
$2,311
Erie full coverage premium
$1,730
National full coverage premium
$2,080
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Erie car insurance rates

Every insurance company prices auto coverage differently, and those pricing differences are subject to change as underwriting practices shift. That’s why comparison shopping is so important for consumers — comparing rates allows you to find the best fit with your insurance needs and risk profile.

In our analysis of average premium data, we found that Erie’s average rates for full coverage were comparable to other small regional carriers but lower than most major national insurers. In the case of state minimum coverage, Erie’s rates are closer to the middle of the pack, but still well below many larger competitors.

Company Avg. full coverage premium Avg. min coverage premium
$1,901
$719
$2,624
$827
$2,055
$649
$2,892
$861
$2,016
$561
$1,950
$702
$2,222
$748
$1,895
$494
$1,696
$440
CSAA
$3,573
$603
$1,950
$702
$2,222
$748
$1,895
$494
$1,696
$440
CSAA
$3,573
$603
*All rates displayed are average annual rates.

Erie customer satisfaction

Evaluating how well an insurance carrier meets the needs of its policyholders can be difficult. To help get a better picture, we look at third-party ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC). J.D. Power conducts regular studies of customer satisfaction and auto claims satisfaction for insurers across the U.S., rating each carrier on a 1,000-point scale. The NAIC tracks customer complaints for each insurer and compares the rate of complaints to the carrier’s size, issuing a complaint index score with an industry baseline of 1.00.

In ratings from both organizations, Erie shows a consistent record of excellent customer service, with the highest J.D. Power customer satisfaction score in multiple regions and a complaint rate below the industry average for its size.

Erie auto claims satisfaction

Erie earns high customer satisfaction scores in the regions it writes policies in. In the 2023 J.D. Power Auto Insurance Study, it earned the top rank in the Mid-Atlantic and North Central regions and the second-highest rank in the Southeast. In the 2023 J.D. Power U.S. Auto Claims Satisfaction Study, Erie ranked second in the market, with an overall customer satisfaction score of 902 out of 1,000.

J.D. Power Auto Claims Satisfaction Study

Erie auto insurance customer complaints

Erie’s NAIC auto insurance complaint index scores have fluctuated over the past three years based on NAIC annual benchmarking. In 2023, Erie scored 0.81, meaning it received less than the industry average of complaints for its private passenger auto insurance. That’s higher than 2022’s index of 0.57, but still below average. With scores well below the industry benchmark, Erie demonstrates a strong and improving regulatory compliance and customer satisfaction track record for its auto insurance offerings.

Erie car insurance discounts

Taking advantage of discounts may help drivers save money on car insurance. Erie offers numerous discounts and incentives that may help reduce your car insurance premium:

  • Diminishing deductible: With this option — while not a discount — your deductible may be reduced by $100 for each claim-free policy year, up to a $500 maximum. This feature is only available to policyholders who purchase the Auto Plus endorsement, and its availability may vary by state.
  • Bundling and multi-policy discount: Erie may extend both bundling and multi-policy discounts to policyholders who carry more than one insurance policy with the company.
  • Vehicle storage discount: If you plan to store your insured vehicle for 90 days or more, Erie can reduce your premium to reflect that limited usage in most states other than Kentucky.
  • Paid-in-full discount: Erie may extend a discount to policyholders who pay their annual car insurance premium in one lump sum, rather than monthly installments.
  • ERIE Rate Lock: In states where it’s available, this endorsement freezes your auto insurance premium year after year so that your rate can only increase if you add or remove a driver or vehicle or change the address where your car is garaged.
  • Youthful driver discounts: Drivers under 21 could earn multiple discounts from Erie, either for spending multiple consecutive years on another Erie policy or for completing an approved driver training course.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Erie
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Erie home insurance review

Erie’s home insurance earned a Bankrate Score of 4.4 out of 5 based on an assessment of its strengths — stellar customer service, robust yet affordable coverage and strong financial strength ratings — and weaknesses — poor digital capabilities and limited regional accessibility. Overall, Erie’s high customer satisfaction scores from J.D. Power and overall cheap home insurance rates make it a strong choice for many homeowners in the areas where it’s available.

Guaranteed replacement cost coverage is a standard part of Erie homeowners policies, and flood insurance is available as an optional endorsement. Other features of an Erie standard homeowners policy include extended coverage for animals, birds and fish and more extensive personal property coverage, including coverage for valuables.

Pros and cons of Erie homeowners insurance

If you're considering Erie for your homeowners insurance needs, it may be helpful to compare perks and drawbacks you may experience with the carrier. Here are a few of the key pros and cons Bankrate's editorial team identified:

Green circle with a checkmark inside

Pros

  • Guaranteed dwelling replacement cost coverage is standard on Erie homeowners policies
  • Ranked first in J.D. Power's 2023 U.S. Home Insurance Study for customer satisfaction
  • Standard home insurance policies include up to $500 in pet coverage
Red circle with an X inside

Cons

  • Only a few discounts available
  • Few optional coverages available
  • Not available in all states
Caret Down

Erie home insurance cost

Affordability extends to Erie’s homeowners insurance, which is $1,827 per year for $300K in coverage. This is 18 percent less than the national average cost of homeowners insurance of $2,230 per year for the same amount of dwelling coverage.

$150K dwelling
Erie average premium
$1,149
National average premium
$1,354
$300K dwelling
Erie average premium
$1,827
National average premium
$2,230
$350K dwelling
Erie average premium
$1,935
National average premium
$2,490
$450K dwelling
Erie average premium
$2,279
National average premium
$3,020
$750K dwelling
Erie average premium
$3,274
National average premium
$4,451

Compare Erie homeowners insurance rates

Because each home insurance company prices policies differently, some homeowners may find the cheapest rates with Erie, while others might find better deals with another company. Comparison shopping is the only way to determine which carrier has the best quote for your individual profile, but the average rates below, drawn from Quadrant Information Services, give a general indication of how Erie’s prices typically stack up against the competition.

Company Avg. annual premium Difference compared to national average
$1,827
- $403
$1,854
- $376
$1,959
- $271
$1,452
- $778
$2,325
+ $95
$1,681
- $549
$3,521
+ $1,291
$1,594
- $636
Progressive
$2,369
+ $139
$1,544
- $686
$1,681
- $549
$3,521
+ $1,291
$1,594
- $636
Progressive
$2,369
+ $139
$1,544
- $686

Erie customer satisfaction

Third-party ratings from expert organizations can offer insight into how well home insurance companies meet their customers’ needs. In the case of Erie’s home insurance offerings, we looked to the 2024 J.D. Power U.S. Property Claims Satisfaction Study to understand how well Erie handles the claims process, and to the NAIC Complaint Index to determine whether Erie receives an undue number of customer complaints.

Erie homeowners claims satisfaction

In 2024, Erie fell from the top spot in the J.D. Power U.S. Property Claims Satisfaction Study into third place, ranking behind Amica and AIG with a score of 888 out of 1,000 — still 19 points above the industry average. The company still ranks first in the 2023 J.D. Power U.S. Home Insurance Study for both home and renters insurance, indicating a customer service experience well above that of many peer companies.

J.D. Power Property Claims Satisfaction Study

Erie home insurance customer complaints

Erie's homeowners complaint index has remained well below the industry benchmark of 1.00, with its 2023 score of 0.50 indicating that it receives half the average number of customer complaints for a company its size. While that represents a slight increase from the past two years, it’s still a comfortably low number.

Erie home insurance discounts

Many of the best home insurance companies offer substantial discounts that may help you save on your premium. Advertised home insurance discounts with Erie include:

  • Safety features discount: You may earn a discount if your home is equipped with safety features like smoke alarms, security systems and an automatic sprinkler system.
  • Advanced quote discount: Obtain an Erie homeowners insurance quote seven to 60 days before your current policy’s renewal date and you might earn a discount.
  • Multi-policy discounts: Bundling your home, renters or life insurance policy with your car insurance can earn you a discount with Erie.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Erie

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Erie life insurance review

Erie offers four life insurance products: term life, whole life, universal life and Erie’s exclusive ERIExpress Life. Erie’s term life insurance may be a good option for those who want a fixed coverage term and intend for the policy to pay for expenses that may be burdensome to loved ones, such as funeral costs and mortgage or credit card debt.

Whole life and universal life have no fixed terms, but universal life offers the most flexible death benefit. Erie’s unique ERIExpress Life policy may be ideal for people looking for a life insurance quote with a simplified application and fast approval. For customers who aren’t sure what they’re looking for in a life insurance policy, Erie’s website offers a life insurance calculator planning tool designed to help individuals estimate the type and amount of coverage they need.

Pros and cons of Erie life insurance

Green circle with a checkmark inside

Pros

  • Multi-policy discounts available for policyholders with a life and home or auto policy
  • ERIExpress may be available without a medical exam
  • Variety of policy types to choose from
Red circle with an X inside

Cons

  • Only one rider advertised to customize coverage
  • Online quoting is not available
  • Only writes policies in 12 states and the District of Columbia

Erie life insurance riders

The best life insurance company may be different for everyone, and each policy type serves a different purpose. Life insurance riders may modify and extend your life insurance coverage as well as impacting the cost of life insurance.

Erie's life insurance coverage only offers one rider:

  • Long-term care (LTC) accelerated death benefit rider: Only available for certain universal and whole life policies, this rider allows policyholders to use a portion of the policy’s death benefit to help pay for long-term medical expenses. If a licensed health professional confirms that the policyholder is unable to perform at least two functions of daily living independently — such as eating, bathing or using the bathroom — the benefit can kick in.

Compare life insurance providers quickly and easily

See which provider is right for you.

Caret DownCaret Up
Please select age
Caret DownCaret Up
Please select Coverage amount
Caret DownCaret Up
Please select Policy type
Location-Icon
Your information is secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate
Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable.
See more providers in
Choose from insurers in

Compare Erie with other insurers

Erie offers a variety of auto, home and life insurance products, but it does not write policies in all states. Comparing car insurance rates and other insurance products between different companies can help you find the best price. If you live outside Erie’s service area or need an insurer that offers a more diverse portfolio of products, take a look at these comparisons and consider getting an online car insurance or home insurance quote from one of the following carriers.

Badge 1 Featured

Erie

Erie
Rating: 4.2 stars out of 5
4.2
Caret Down

Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 3.8 stars out of 5
3.8

Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
Caret Down

Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4 stars out of 5
4.0

Travelers

Travelers
Rating: 4.2 stars out of 5
4.2
Caret Down

Cost & ratings

Rating: 4.1 stars out of 5
4.1

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
Info
Allstate tied for a 2024 Bankrate Award for Best Homeowners Insurance Company overall and may be a great fit for anyone outside of Erie’s coverage network who is seeking multiple types of insurance.
A wider geographic range and more home insurance endorsements than Erie could give Travelers an advantage for some customers who prefer to manage their auto and home insurance in one place.
STANDOUT FEATURES
Info
Online Reviews
Highly-rated mobile tools
Car Outline
Two usage-based programs
Auto Car Guides
Teen driver training program
Loan
Robust coverage options
Dollar Coin
Numerous potential discounts
Home Equity
Home insurance endorsements
AVG FULL COV. AUTO RATE
Info
$2,892 $1,895
J.D. POWER AUTO SCORE
Info
889/1000 854/1000
AVG HOME RATE
Info
$1,959 $2,325
J.D. POWER HOME SCORE
Info
809/1000 790/1000
AM BEST RATING
Info
A+(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Erie insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Erie a good insurance company?

Overall, Erie is among the highest-rated home and auto insurance companies in the states it serves, based on average premium data, third-party ratings and a review of the company’s options for coverage, endorsements and discounts. It may also be a good choice for life insurance if you prefer to manage all your policies in one place. High marks in J.D. Power customer and claims satisfaction studies, along with a low rate of customer complaints for both home and auto insurance, set Erie apart in an industry that frequently generates frustration for consumers.

For both auto and home insurance, Erie’s standard offerings go a step beyond the industry standard with built-in auto glass repair and pet coverage for full coverage auto insurance and guaranteed replacement cost coverage for home insurance. These little extras, combined with average rates that are nonetheless well below the industry average, could make a big difference for car and homeowners. The major drawbacks we saw with Erie were lackluster mobile tools — you can’t file a claim through the company’s app — and reported difficulties from some applicants in getting coverage.

If you prefer to handle all your insurance business via an app, Erie may not be the best fit. But if you’re comfortable working through a local agent and taking a more old-school approach to claims and communication with your insurer, it’s worth getting a quote from Erie if they offer coverage in your area.

What are real-life customers saying about Erie?

Third-party ratings and premium data can give an overview of an insurance company’s success in serving customers, but in practice, insurance is more complicated. User experiences can vary significantly depending on individual circumstances, risk profiles, budgets and more. That’s why Bankrate’s insurance editorial team took time reading comments from social media and forum users to hear from actual customers who have policies from Erie.

Reddit

Reddit users have compared notes on Erie Insurance in a wide range of communities, from forums focused on auto, home and life insurance to regional subreddits seeking local advice. Many of those commenting on their Erie experience reported being with the company for many years. Many users said their claims experience was smooth and their rates low.

Reddit User 1*
Feb 27, 2023
I'm an agent who switched from the company...
"I'm an agent who switched from the company I work for to Erie. I have had Erie for years. Had a homeowners claim a few years ago. Claim process was fast and painless. Auto and home were significantly cheaper for me, as well as 1 mil umbrella who's premium is a whopping $70 a year. I have half a mil in liability on my auto insurance. I have a mid 2000s truck who's premium is only mid 20s per month with comp and collision on it. It doesn't mean they will be for everyone tho."
Reddit User 2*
Apr 21, 2023
We have auto, home, and life with them. Very...
"We have auto, home, and life with them. Very happy with both the company and our rep. Their office is always quick and helpful. The company has been responsive and unargumentative whenever I've had to file a claim. They even let me suggest places to find a comparable vehicle to them after I totaled my used police car. The rates are good."

Bogleheads.org

On Bogleheads.org, a forum dedicated to investing and personal finance advice, users discussed Erie’s merits and drawbacks compared to other insurers, particularly in the home insurance space. Most of the commentary was positive, with a few commenters complaining of difficulty getting applications approved and others reporting significant premium increases.

Bogleheads User 1*
Jan 29, 2023
Auto claims
"I've had Erie auto for 30+ years and they've always been very easy to work with on auto claims. A couple of different auto body shops I've used have commented on how they allow them to do the job right and get properly compensated. I also have them for home insurance, but never made a claim."
Bogleheads User 2*
Apr 23, 2024
Rate increases
"I've been with Erie everything for 30 years and this year had a 42% increase on the home. I shopped around and found a couple that were overall less on combined home and auto, but I ended staying with Erie because of the excellent service that I've had all these years. I'll see what happens next year and re-evaluate."

Taken together, these Erie insurance reviews from Reddit and Bogleheads users reflect the highly personalized nature of auto, home and life insurance: the best insurance company for one policyholder could cause headaches for another customer, and rates can vary significantly depending on circumstance.

Lightbulb

Bankrate staff insights

"Erie's online experience makes it very easy to pay my auto insurance bill. There's a clear callout on how much is due & when, that when clicked takes you to an experience where it only takes 2 clicks to make your payment. They do a good job reminding you when your bill is due, sending both an email and physical mail about a month ahead of the payment date. I pay my home insurance out of the escrow account within my mortgage provider. It seems like Erie is efficient in communicating with the mortgage provider so that when rates increase a bit (and as such the old escrow payments no longer would fully cover the cost) they adjust the monthly escrow payment quickly to accommodate."

—BRAYDEN SIMS, SENIOR DIRECTOR OF SEO AND ERIE CUSTOMER FOR FOUR YEARS

Erie company details

To get in contact with Erie, you can use the main customer service number for most inquiries. If you need to make a claim or summon roadside assistance, Erie has dedicated numbers for these tasks.

  • Company website: erieinsurance.com
  • Customer service: 1-800-458-0811
  • Mailing address: Erie Insurance Group, 100 Erie Insurance Place, Erie, PA 16530-1104
  • Claims: 1-800-367-3743
  • Glass claims: 1-800-552-3743, via mobile app or online
  • Roadside assistance: 1-888-367-3743 or file online

State availability

Erie writes car and home insurance policies in Washington, D.C. and the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie also sells life insurance in Washington, D.C. and all of the aforementioned states, except New York.

Erie tools and benefits

  • Life insurance calculator: Erie provides a life insurance calculator on its website to help customers decide which type of policy may best fit their needs. From there, customers can ask to be paired with an independent Erie agent to get a quote.
  • Business insurance products: Erie also offers business insurance, including business automobile insurance. Business policies may protect a variety of businesses, including breweries, contractors, religious organizations, retailers and veterinarians.
  • Financial services: Erie offers Medicare supplemental coverage (Medigap) and retirement accounts, including annuities and individual retirement accounts (IRAs).
  • Renters, condo and mobile home insurance: Erie offers a variety of insurance policies for other dwellings and living situations.
  • Flood insurance: Homeowners who live in a flood zone or anywhere that experiences occasional flooding may want to consider flood insurance since flooding is not included in a standard home insurance policy. Erie sells flood insurance backed by a federally funded flood carrier, American Bankers Insurance Company.
  • Personal valuables insurance: This coverage may be purchased to financially protect jewelry, art, sports equipment, collections, musical instruments and more.

Frequently asked questions about Erie

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

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

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
R.E. Hawley
Senior Writer, Insurance

R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.

Edited by Editor II, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute