Erie Insurance Review: Cheap Car Insurance Rates and Great Service
Erie sells cheap car insurance and is known for its excellent customer service. But its home insurance is usually expensive. Overall, ValuePenguin gives Erie a rating of 4 out of 5 stars.
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Is Erie insurance good?
Overall, ValuePenguin gives Erie 4 out of 5 stars. It's a solid option if you live in one of the 12 states where Erie sells coverage, or in Washington, D.C.Erie has cheap car insurance rates and high-quality customer service. But Erie's home insurance rates are expensive, so it's not usually the best option if you want to bundle your car and home insurance together.
ValuePenguin rating: Erie insurance
Read the full breakdown of how ValuePenguin reviews insurance companies.
On this page
Pros and cons
Pros
- Cheap car insurance rates
- Good customer service
- Local agents available
Cons
- Expensive home insurance
- No online quotes
- Only in 12 states and D.C.
Erie car insurance review
ValuePenguin gives Erie car insurance a perfect 5-star score.
Erie has cheap rates for car insurance, along with excellent customer service, good coverage options and useful discounts. If you live in a state where Erie is available, it's a good idea to get a quote.
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ValuePenguin rating: Erie car insurance
Overall rating:
5/5
"My now-wife and I bought a car together, but I hadn't owned a car before. Bridget had but sold it about 2 years before. Erie wasn't able to sell us insurance then because of lack of insurance history, so we went with another company (Geico) instead. Six months later, I called Erie again, and I cut my rate by 46% by switching to them."
Erie car insurance quotes
On average, full coverage car insurance costs $154 per month from Erie.
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- Erie's average rate for full coverage is 26% cheaper than the national average of $208 per month.
- Erie's average minimum coverage rate is also cheap at $53 per month, which is 30% less than the national monthly average of $76.
- Because Erie is only in a handful of states, though, it's not the cheapest option for most people.
Erie full coverage car insurance rates vs. competitors
Minimum coverage car insurance usually isn't enough coverage.
If you can't afford to buy more, minimum coverage is better than nothing. But the limits are usually very low. If you cause an accident and you don't have enough coverage for the injuries and damage you cause, you have to pay for those bills yourself. Choosing higher liability limits helps protect your finances against those large bills.
Erie minimum coverage car insurance rates vs. competitors
Erie also has cheap rates for people with tickets, accidents or DUIs on their records, as well as for teen drivers.
Rates after a ticket
$168/mo
$258/mo
Rates after a DUI
$256/mo
$391/mo
Rates after an accident
$218/mo
$310/mo
Rates for teens
$339/mo
$599/mo
Erie auto insurance coverage
Along with the standard car insurance coverages, such as bodily injury coverage and collision insurance, Erie offers several useful and unique car insurance coverage options.
Featured benefit: Rate Lock
One of the most notable optional benefits Erie provides is its "Rate Lock" offering.
If you have a safe driving history and add Rate Lock to your policy, Erie will only increase your auto insurance rates if you make a change such as adding or removing a driver, changing your vehicle or updating your address.
Otherwise, your rates will stay the same year after year, even if you get in an accident or make a claim to your insurance. However, if you get in an accident, a rate increase could catch up with you at a later time when you move or make other changes to your policy. Erie Rate Lock isn't available in all states.
Accident forgiveness
Your rates won't increase after your first at-fault accident after three years of safe driving with Erie.
Pet injury
If your pet is hurt in a car accident, this coverage pays up to $500 per animal and up to $1,000 total per accident. Pet coverage is included on Erie's standard policy.
Roadside and rental bundle
Erie's standard policy includes coverage for rental cars and roadside emergencies such as towing or tire changes.
Personal item coverage
Erie may pay up to $350 for personal items, such as clothing or luggage, that are damaged while inside your car.
Locksmith coverage
If you lock your keys in your car, Erie will pay up to $75 for a locksmith, as long as your policy has comprehensive coverage.
Auto Security (new car replacement)
If your car is less than two years old and it's totaled, Erie's Auto Security add-on pays to replace it with the newest comparable model year. If your car is older than two years old, the Auto Security add-on will pay to replace it with a comparable car that is two years newer than yours was.
Auto Plus
Erie's Auto Plus package includes extra coverage, including a diminishing deductible, extra days of rental car coverage, a $10,000 death benefit and increased coverage for things such as personal items, emergency travel costs and trailers that you're using but don't own.
Erie car insurance discounts
On top of its cheap rates, Erie offers several car insurance discounts that could help you get a cheaper rate. Some discounts, like savings for bundling and having safety features on your car, are common across most insurance companies. But Erie also offers several more unique discounts.
Erie's specialized discounts include:
- Youthful Driver: Unmarried drivers under age 21 who live with their parents can save with this discount. That's a helpful perk, because rates for young drivers tend to be high.
- Youthful Driver Longevity: This discount gives unmarried drivers under age 21 a cheaper rate if they were previously listed on another Erie policy, such as their parents' insurance policy.
- teenSMART: Your teen driver could get up to a 20% discount on car insurance if they complete this four-hour program, which includes video courses, driving simulations and actual driving activities.
- YourTurn: This is Erie's safe-driving app, also called a telematics program. It tracks your driving and gives you points based on how safe you are behind the wheel. You can trade the points for virtual gift cards or charitable donations.
Erie also offers savings for college students and for paying your annual bill in full.
Erie auto insurance reviews and ratings
Erie has some of the best car insurance customer service in the insurance industry.
The company gets about half as many complaints as expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). That means most people have good experiences with Erie and don't have a reason to complain.
Erie gets top marks from J.D. Power for its car insurance service. Depending on the region, Erie earned either first or second place in J.D. Power's 2025 Auto Insurance Study. The study rates companies on factors such as level of trust, price, how quickly and easily problems are resolved, and how easy it is to get a quote and buy a policy. Erie's top scores mean customers typically have a good experience.
Erie home insurance review
Erie home insurance gets a ValuePenguin rating of 3.5 out of 5 stars.
While the company still has excellent service, it has expensive rates for home insurance. Additionally, Erie's home insurance coverage offerings are fairly standard across the industry.
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ValuePenguin rating: Erie home insurance
Erie home insurance quotes
Erie's average rate for a policy with $350,000 in dwelling coverage is $3,167 per year, which is expensive compared to other companies.
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- Erie's average rate for a policy with $350,000 in dwelling coverage is 32% more expensive than the national average of $2,395 per year.
- It might be worth it to pay extra for a policy from Erie if you want top-notch customer service.
Erie home insurance rates vs. competitors
Erie is an expensive option for homes that need different levels of dwelling coverage.
In general, Erie isn't a good choice for homeowners on a budget.
Rates for $200K dwelling coverage
$2,032/yr
$1,585/yr
Rates for $1 million dwelling coverage
$7,714/yr
$5,812/yr
Rates for $500K dwelling coverage
$4,228/yr
$3,222/yr
Erie home insurance coverage
Erie home insurance comes with all the standard coverage options you'd expect, including dwelling, personal property and liability coverage.
Depending on where you live, you may also be able to add helpful add-ons to personalize your coverage. Optional coverages include:
Guaranteed replacement cost
Guaranteed replacement cost means Erie will pay to rebuild your home, even if the rebuilding cost is more expensive than your insurance amount.
Service line
If you add service line coverage to your policy, your Erie insurance will pay for damage to buried service lines, like your water and gas lines.
Equipment breakdown
This coverage pays for breakdowns in your home equipment systems, like your air conditioner, furnace or water heater.
Matching siding and roofing
If your home's roof or siding is damaged and you have this option on your policy, Erie will pay extra to make sure the replacement roof and siding match what you already have.
Sewer backup
Sewer and drain backup coverage covers if your sump pump backs up and causes water damage or if water backs up in any other sewer or drain line.
Erie likely has more add-ons available, but the choices vary depending on where you live. A local Erie agent will be able to help you choose the right options for your needs.
You could also package your home insurance together in one of Erie's "bundles." This isn't the same as bundling your home and auto; instead, Erie's home bundles are packages of coverages that you can buy together instead of adding each option separately. Erie's bundles are called ErieSecure, and they come in three levels: Advantage, Plus and Select. ErieSecure home bundles add extra coverage on top of what's included in the standard home policy.
Erie homeowners insurance discounts
Erie doesn't advertise many home insurance discounts. The discounts it does advertise are common across home insurance companies.
- Multi-policy discount: You could save between 15% and 25% by getting both your auto and home insurance policies with Erie.
- Protective devices discount: If you have smoke alarms, a burglar alarm or an automatic sprinkler system, you could save on your Erie home insurance.
- Advance quote: If you get a quote for home insurance between a week and two months before you need your policy to start, you'll get a lower rate.
Erie likely has more discounts that are specific to certain states. If you want to know more about Erie's discounts where you live, contact an Erie agent.
Erie home insurance reviews and ratings
Erie home insurance policies come with excellent customer service.
Just like with its car insurance, Erie gets about half the expected number of complaints about its home insurance, according to the National Association of Insurance Commissioners (NAIC). Fewer complaints likely means good customer satisfaction.
J.D. Power also ranks Erie highly for home insurance satisfaction. Erie ranked third nationally, which means customers are usually happy with how the company handles service and claims.
Other Erie insurance policies
Along with car and home insurance, Erie sells lots of other types of insurance policies.
- Motorcycle insurance
- RV insurance
- Collector and classic car insurance
- Boat insurance
- ATV, snowmobile, golf cart insurance
- Renters insurance
- Condo insurance
- Mobile home insurance
- Umbrella insurance
- Business insurance
- Life insurance
- Medicare Supplement
Erie insurance availability
The biggest drawback of Erie is that it's only available in 12 states and Washington, D.C.
If you don't live in this area, you won't be able to get quotes or policies from Erie.
Erie states
- Illinois
- Indiana
- Kentucky
- Maryland
- New York
- North Carolina
- Ohio
- Pennsylvania
- Tennessee
- Virginia
- Washington, D.C.
- West Virginia
- Wisconsin
Erie vs. other companies
Erie vs. State Farm
Erie vs. Progressive
Erie vs. Geico
Geico doesn't directly sell home insurance. Instead, it sells policies through several partner companies. If you want to bundle your policies, Erie is a better choice.
Frequently asked questions
Where can I get Erie insurance?
You can buy an Erie policy in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and Washington, D.C.
Who shouldn't get Erie?
Erie isn't the best option if you like to handle your policies digitally. You can only get quote and buy a policy from an agent. Erie operates more like a "traditional" insurance company and relies heavily on agents. This can be great if you want a local point of contact, but it's not ideal for people who want to handle their policies themselves.
Methodology
ValuePenguin rates insurance companies after thorough research into each company's rates, coverage, discounts, service and unique features. Customer satisfaction includes customer complaint info from the National Association of Insurance Commissioners (NAIC) as well as customer satisfaction ratings from J.D. Power.
Auto insurance rates
ValuePenguin's car insurance rates are for a 30-year-old man who drives a 2018 Honda Civic EX, unless otherwise noted.
Minimum coverage quotes are for the state minimum insurance amounts required in each state. Full coverage quotes include higher liability limits as well as comprehensive and collision coverage, which add protection for your own car:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
ValuePenguin's rate data is from Quadrant Information Services. These rates are publicly sourced from insurance company filings and are for comparative purposes only. Your own quotes will likely be different.
Home insurance rates
ValuePenguin's home insurance rates use the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
All rate data is from Quadrant Information Services, which gets rates from public insurance company filings. Rates weren't available for every state that Erie operates in.
Your rates will likely be different, because prices change depending on your age, home info, where you live, your claims history and more. The quotes on this page are for comparison purposes only.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
