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Erie car insurance review

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A provider focused on customer satisfaction and peace of mind, and sometimes, that’s worth paying more for

finder.com’s rating: 4.5 / 5.0


  • Get a quote if you want great customer service from your local agent.
  • Pick something else if you want the cheapest rates.
  • Drivers in the Mid-Atlantic and Northeast save with plenty of discounts.


Roadside assistance


New car protection

Accident forgiveness


States served District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
Roadside assistance Optional
Pay schedule monthly
Claims methods phone, in-person
New car protection Yes
Accident forgiveness No


  • Rate lock
  • Accident forgiveness
  • Vanishing deductible
  • Online bill pay


  • Doesn’t accept online claims
  • Limited availability in only 12 states
  • Average customer loyalty
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes
Other discounts
Rideshare coverage Yes
SR-22 coverage
Temporary & short term coverage No

Where is Erie car insurance available?

  • District of Columbia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

What car insurance coverage does Erie offer?

  • Liability protection. Pays for third-party property and bodily damages that result from an accident you’ve caused.
  • Collision and comprehensive damage. Pays for damages to your car caused by other cars or objects, fire, flooding, hail, theft or vandalism.
  • Personal injury protection. Covers the cost of doctors, hospitalization and even funerals if you or a passenger is injured or killed in a car accident, no matter who is at fault.
  • Uninsured motorists coverage. Pays for damages or injuries to you and your passengers resulting from a hit-and-run accident or an uninsured driver, including medical expenses and lost wages.
  • Underinsured motorists coverage. Bridges the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.

What extras and add-ons does Erie offer?

Besides the great coverage and excellent customer service, there are a number of perks and policy add-ons to help sweeten the deal.

  • Erie Rate Lock – Your rates will only change if you add or remove a vehicle or a driver or move.
  • First accident forgiveness – No extra fees on your first at-fault accident after you have been a customer for three years. Only applies once for all drivers on your policy.
  • Diminishing deductible – Deductible is reduced by $100 for every consecutive claims-free policy year, up to a maximum of $500.
  • Feature Fifteen – After you’ve been a loyal customer for 15 years, you won’t face increased rates after an at-fault accident.
  • Rental car coverage – Covers the cost of a rental car while your car is in the shop for repairs.
  • Roadside assistance – Towing and roadside assistance if your car breaks down on the road.
  • New car protection – If your new vehicle is less than two years old and considered total loss after an accident, it will be replaced with a new vehicle of the latest model year.
  • Locksmith services – If you get locked out of your vehicle, Erie can send a locksmith to help.
  • Personal item coverage – Additional coverage for personal items inside your vehicle.
  • Pet coverage – Up to $500 for veterinary care for pets injured in your vehicle in an accident, up to $1,000.

What discounts can I get with Erie?

Erie Insurance strives to provide affordable auto insurance coverage through its massive network of independent agents. To do so, it offers a huge number of discounts that can help keep your premiums low.

  • Multi-policy discount. Save between 14-30% if you bundle life or home insurance with Erie.
  • Driver training discount. Get a discount for drivers under 21, drivers over 55 and motorcycle drivers who complete a DMV safe driver class.
  • Advance quote discount. For new customers who get a quote 7 to 90 days before signing up. The discount stays on your policy but gradually decreases over a 5-year period. This discount also applies to any vehicle quote including classic cars, motorcycles, mopeds and RVs.
  • Age 55 discount. Get a discount if the primary driver on your policy is over 55.
  • Multi-vehicle discount. Receive a discount when you add multiple vehicles to your auto insurance policy with Liberty Mutual. This can also apply if you have approved personal use of a business car.
  • New vehicle discount. Receive a discount when you add or change a vehicle on your policy.
  • Paid in full discount. Receive a discount for paying your premiums in a single, lump-sum payment or by paying at least one third of your premium up front.
  • Safety features discount. Get discounted rates when insuring vehicles with safety features such as anti-lock brakes, anti-theft devices and airbags.
  • Teen driver discount. Discounted rates reward teen drivers for responsible driving.
  • Student discount. Drivers under 21 could get a discount for keeping your car at home while you’re away at college or for limited use of the car for new drivers.
  • Young driver loyalty discount. Keep your policy with Erie for several years and you could get a break on premiums. This is Erie’s way of encouraging families to stick with the same insurer.
  • Safe driver discount. Drivers with clean driving records can receive discounted rates. The discount amount is based on type of violations, policy loyalty and past claims for all drivers on the policy.
  • Prior bodily injury limits (BIL) discount. If your previous BIL amount was at least $300,000 per accident, you’ll get a discount whether you’re a new or returning customer.
  • Reduced usage discount. Also called laid-up coverage or short-term insurance, get a discount if your car won’t be driven for at least 90 days during your policy.
  • 100% farm use discount. This unique discount lets you save on insurance for a car that’s garaged and used exclusively on your farm.

Pros and cons of Erie car insurance


  • Rate lock. Lock in a rate for your policy that’s good until you add or remove drivers, change vehicles or move to another address.
  • Accident forgiveness. Once you’re an Erie customer for three years, your first accident has zero impact on your monthly insurance bill.
  • Vanishing deductible. The longer you go without an accident, the smaller your deductible when you do need to file a claim.
  • Online bill pay. Take care of your payments through your online account.


  • Doesn’t accept online claims. To file a claim with Erie, you need to call or visit a field office. This can be a headache if you’re used to having digital options.
  • Limited availability. Erie offers insurance to residents of 12 northeastern states and Washington, DC. If you live outside this area, you’ll need to look for another provider.
  • Lacking customer loyalty. Unlike companies that offer no-drop policies, Erie can cancel your insurance policy without notice if they determine that you’re filing excessive claims, even if you’re up to date on your premiums.

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How to apply for Erie car insurance

While it’s easy to get a quote for Erie car insurance online, it’s unclear whether you can obtain coverage online. This provider requires claims to be filed via phone or your Erie agent, so you might need to apply for coverage through these methods as well.

However, you can start with getting a quote by visiting Erie’s homepage. Once you arrive, you should see a field to obtain a quote. Enter your ZIP code and hit enter. Enter all of the necessary information for each step to get an accurate quote.

What info do I need to apply?

  1. Personal information (name, birthday, address, etc.)
  2. Vehicle information (type, year, annual mileage, etc.)
  3. Driver information
  4. Contact information (email, mobile phone, etc.)

Once you’ve obtained a quote, you can submit your quote to a local agent. Your agent will reach out to you in the following days to discuss your quote and set up coverage.

What do customers say about Erie?

Erie receives high scores for customer service and satisfaction from J.D. Power, ranking among the best-rated insurance options in 2016.

Though it is not officially accredited, the company currently holds an A+ rating from the Better Business Bureau (BBB), which considers transparency, commitment to resolving disputes and ethical business practices. With customer reviews factored in, Erie’s BBB composite score is 3.83 out of 5 possible stars, which is on par with the industry average for a company Erie’s size.

The majority of customer reviews on other sites can be quite negative. Multiple customers say Erie canceled their policy without adequate cause, and many others report denied claims they felt were valid. But before you rule out Erie because of bad reviews, consider that many customers only leave reviews after a terrible experience. While reviews and ratings can show you how companies treat some customers, you might not have the same experience.

Case study: Roslyn’s experience

profile pic

Roslyn McKenna

Car insurance Publisher

I joined my husband’s car insurance policy with Erie after we got married. We paid $1,244 a year for 100/300/100 coverage with collision and comprehensive on a 2016 Ford C-Max and a 2011 Toyota Prius in Tennessee. Unfortunately, we had to switch insurers when we moved outside Erie’s 12 supported states, which is one drawback of using a local insurer.

Erie offers excellent customer service and coverage transparency. Your local agent is easy to reach, knows who you are and can help you with any questions or concerns about your policy. We also saved money by bundling our car and home insurance policies under the same insurer.

How to contact Erie

Dedicated to approachable customer service, Erie makes it easy to get a hold of a representative or local agent. Here’s how:

Agents: Search for your local agent online or call (800) 458-0811.

Customer care: Phone, email, or visit an office

By mail:
Erie Insurance Group
100 Erie Insurance Place
Erie, PA 16530-1104

Erie’s cancellation policy

Bottom line

Cheaper options are out there if that’s what you’re looking for. But if you live in the Northeast and are willing to fork out a bit of extra cash, you’ll get to work with a provider that’s rated highly for customer service and customer satisfaction. Before you decide, research your options with our comprehensive insurance guide to find your best fit for auto coverage.

Frequently asked questions about Erie car insurance

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  1. Default Gravatar
    April 15, 2018

    If my son drives in OH but does not own a vehicle, what is the right insurance for him to get? Is the SR22 what he should have?

    • AvatarStaff
      April 15, 2018

      Hi John,

      Thanks for getting in touch with finder.

      If your son needs to drive but he doesn’t own a vehicle, then the right insurance for him should be a non-owner auto insurance policy. However, only a few car insurance companies provide this type of insurance policy.

      Typically a non-owner auto insurance policy only provides liability coverage, not optional coverage like damage to the car, rental reimbursement or medical expenses.

      But on the plus side, this type of insurance usually costs significantly less than a typical insurance policy because they’re under the assumption that the driver is driving less, and thus less likely to have a wreck.

      You may learn more about this topic by reading our article entitled “Can I insure a car that’s not registered to me?

      Regarding the SR22, it is a document confirming to your state that you meet its minimum car insurance coverage requirements. In Ohio, an SR-22 is also sometimes called an SR-22 bond or certificate of financial responsibility. Your son needs a SR-22 if he is:

      – Involved in an accident that results in death, injury or damages of more than $400 and isn’t covered by the state’s minimum liability insurance.
      – Caught driving without insurance or are unable to show proof of his insurance to the authorities.
      – Found guilty of a DUI, DWI or other major traffic violation.

      Please read this guide to learn more about SR-22 in Ohio.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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