Erie auto insurance may only be available in the central and eastern United States, but the company’s reputation for customer service extends far beyond that. 


This article takes a close look at Erie insurance reviews, coverage, and cost to help you decide if the provider is worth your time. Our research team has reviewed the nation’s best car insurance companies and evaluated these companies based on coverage, financial strength, availability, customer service, cost, and technology. See how Erie Insurance stacks up.

We recommend getting matched with the best rates in your area. Use the simple tool above or call our team at (855) 518-0148 to see your best options.

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About Erie Insurance

Erie Insurance has been in business since 1925. From day one, the company has expressed a commitment to customer service. That’s why features like its Super Standard Auto Policy quickly became industry standards.

Today, Erie is a Fortune 500 company with numerous types of insurance available, including collector and classic car insurance, homeowners insurance, life insurance, and business insurance. Despite its nearly 100 years in business, Erie auto insurance has remained regional. You can only obtain a policy if you live in one of the following locations:



Erie Auto Insurance Coverage

Along with the standard types of auto insurance coverage, an Erie auto insurance policy comes with some great perks and optional add-ons. Here are some of the add-on coverages you can get with Erie:

  • Pet coverage: If your pet is injured in an accident while riding in your car, you will be reimbursed for vet costs up to $500 per pet and $1,000 total.
  • Personal item coverage: With physical damage coverage, your personal items such as luggage and belongings are covered up to $350.
  • Auto glass repair: With comprehensive coverage, you can get glass repair with no deductible. You can also upgrade to Full Window Glass, which waives the deductible for repairs and replacements. New wiper blades are included if your windshield is replaced.
  • Roadside and rentals bundle: This covers you during roadside emergencies and when you need to get a rental car.
  • Locksmith services: With comprehensive coverage, locksmith charges are covered up to $75.

Add-On: Erie Auto Plus

For $30 more per year, you can add Erie Auto Plus to your Erie auto insurance policy. The plan includes:

  • A diminishing deductible
  • $10,000 death benefit
  • Additional transportation expense coverage
  • Waived deductible in some cases
  • Increased coverage limits for things like locksmith costs, personal items, and non-owned trailers

Add-On: Erie Rate Lock

With the Rate Lock feature, Erie Insurance customers won’t see rates go up, even after filing a claim. Instead, customers pay the same premium annually.

Changing your coverage won’t affect Rate Lock, but instead your premium will be adjusted to reflect that particular change. However, adding or removing a vehicle or driver from your policy or changing your primary residence will affect your Erie Rate Lock.

Add-On: Additional Rental Car Coverage

Basic rental coverage is already included with comprehensive policies. If you want rental coverage in the case of a collision, or if you simply want increased rental coverage with more vehicle choice, you can add additional coverage to your Erie auto insurance policy.

With additional rental car coverage, you’ll be able to choose from six classes of rentals:

  • Class 1: A compact sedan that seats four people
  • Class 2: A traditional sedan that can seat up to five people
  • Class 3: A small SUV or pickup truck for five people
  • Class 4: A minivan or midsize SUV that can seat up to seven people
  • Class 5: A luxury sedan or large SUV for six people
  • Class 6: A specially equipped vehicle for individuals with disabilities

Car rental classes, however, don’t apply in North Carolina and Virginia. Policyholders in these states will receive a monetary reimbursement subject to the limits of coverage.

Add-On: Erie’s New Auto Security

This type of Erie auto insurance coverage protects newer vehicles in the event of a total loss. If you have had your car for less than two years and it is totaled, Erie will pay for a replacement of the latest model. If you have had your car for more than two years, the insurer will pay for a replacement of a model two years newer.

You can add New Auto Security to your policy any time. It’s not restricted to when you purchase your car or get insured with Erie.



Erie Insurance Cost And Discounts

The cost of an Erie insurance policy depends on a number of factors and is different for everyone. Things that can impact your premium costs with any insurer include:

  • Age
  • Gender
  • City
  • Driving record
  • Marital status
  • Vehicle

Fortunately, Erie offers a number of insurance discounts to help customers save money on their policies. Discounts offered by Erie are explained in the chart below.

Discount Details
Safe driving discount

You can save on your Erie auto insurance policy if you are a safe driver with a good driving record.

Car safety equipment discounts

If your vehicle is equipped with safety features like factory-installed airbags and anti-theft devices, you receive a discount.

Multi-car discount

Insure two or more cars on the same policy for additional savings.

Multi-policy discount

When you purchase life or home insurance in addition to your Erie auto insurance policy, you can qualify for a discount. The discount is not available if you are already using the Erie Rate Lock add-on for your auto policy.

Reduced usage discount

If you don’t use your car for at least 90 consecutive days, you are eligible for a discount in all states except for Kentucky.

Young drivers

Drivers that are under the age of 21 and unmarried can receive savings in all states except for North Carolina.

Annual payment plan

When you pay for your Erie auto insurance policy annually instead of monthly, you receive a discount.




Erie Insurance Reviews

Erie Insurance has been recognized by many industry experts, earning an A+ rating from the Better Business Bureau (BBB) and an A+ rating in financial strength from AM Best. It ranked second among mid-size insurers in the J.D. Power 2020 U.S. Insurance Shopping Study.

As with all insurance companies, Erie insurance reviews vary online. Many Erie customers have given the provider five stars, while others submitted complaints. After an accident, the claims process with any insurer can be stressful for drivers. We recommend always reading your policy in full to avoid any misunderstandings.

Positive Erie Insurance Reviews

Happy customers praise Erie's claims to service for its helpful agents. One customer wrote the following the Erie Insurance BBB page:

“I’ve been with Erie for quite [some time] now, and I love them. My car got broken into at work and my purse was stolen. Erie was right beside me, and all I had to do was pay my deductible and they [paid] the rest with no questions asked… Also, I had somebody back into me, and they were right there… I didn’t have to do anything except contact the other driver and tell them who they needed to contact as my insurance company.”


Negative Erie Insurance Reviews

Not all customers are pleased with Erie. A few customers expressed displeasure with their claims settlements. One customer wrote the following the the Erie Insurance BBB page:

“Erie Insurance [is] not concerned about the customer, only about lining their own pockets. One could say this is the case for most insurance companies, but when you've been a customer for 13 years and have had zero claims and you finally file a claim with them, you expect a fair settlement. Far from it.”


In regard to complaints about Erie auto insurance, the company has responded to and closed all complaints promptly. This testifies to Erie’s dedication to customer satisfaction.



Erie Insurance Technology/Apps

Erie offers a number of apps for its customers to help manage their policies and earn rewards. Erie apps include:

  • ERIE YourTurn: A rewards-based telematics program. This app tracks driving behaviors and rewards customers with gift cards, pre-paid Visa cards, or charity donations for good driving. ERIE YourTurn has a 3.8/5 star rating on the Google Play store.
  • ERIE EnRoute: A service for commercial auto customers to share telematics data from fleet vehicles to improve safety.
  • Erie Insurance Mobile: An app that allows customers to access their Erie policy information. Users can also make payments, view billing activity, view claim status, and contact their Erie agent through the app.



Our Take On Erie Auto Insurance: 4.0 Stars

Erie Insurance excels in positive customer experiences and offers a variety of customizable coverage options that would suit most drivers’ needs. The company’s financial stability ensures that claims will be settled properly.

The main drawback of Erie auto insurance is that it is not available in most states. That said, we still think Erie can be a great option for those that live in D.C. or one of the 11 states where Erie auto insurance is available.

To see how much you would pay for Erie insurance, enter your zip code in the simple tool below or call our team at (855) 518-0148 to see your best options.




Top Choices For Car Insurance

While we like Erie Insurance, we think it’s always smart to get quotes from more than one insurance company to compare coverage. We have conducted our own research and recommend the following companies. Each of them earned 4.5 out of 5 stars in our review of the industry’s top car insurance providers.

State Farm Insurance logo

State Farm Insurance

Our State Farm insurance review shows that State Farm is the largest car insurance company in the nation with 16 percent of the market share, according to the National Association of Insurance Commissioners. It has an A+ rating with the BBB and an A++ financial strength rating from AM Best. Known for its expansive network of local agents, State Farm provides a great customer experience with a multitude of available discounts and quick payouts for claims. 

Progressive Insurance logo

Progressive Insurance

Established in 1937, Progressive is another big player in the U.S. auto insurance market and a competitor of Erie auto insurance. Based on our Progressive insurance review, we found that this provider has generally affordable rates, especially in California, and maintains an A+ financial strength rating from AM Best. In addition to standard coverages, Progressive offers coverage for custom parts and equipment, rideshare vehicles, roadside assistance, rental car reimbursement, and loan/lease payoff. The insurer also has a number of available discounts based on driving, loyalty, bundling your car and home insurance, and more.

Geico Insurance logo

Geico Insurance

Our Geico car insurance review led us to choose Geico as the best option for all drivers for its great customer experience and claims process. Geico has an A+ rating with the BBB and an A++ financial strength rating from AM Best. The company’s dedication to integrating technology makes it convenient and easy to use when it comes time to make changes to a policy or file a claim. Along with standard coverages, you can get things like mechanical breakdown insurance and rideshare insurance with Geico.



FAQ About Erie Auto Insurance

Is Erie car insurance good?

For the 11 states (and D.C.) where Erie auto insurance is offered, our research team finds Erie to be a great option due to the company's financial strength, flexible coverage options, and positive customer reviews.

What does Erie auto insurance cover?

Erie auto insurance offers standard coverage and optional add-ons that can include pet coverage, personal item coverage, auto glass repair, roadside and rental bundle, and locksmith services. Erie also offers 4 optional additions to their standard plan, making their offerings more comprehensive and customizable for their customers.

Where is Erie insurance available?

An Erie insurance policy can be obtained in District of Columbia, Illinois, Indiana, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Kentucky.

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