How Much Does Erie Car insurance Cost?

Choosing the right car insurance provider can feel overwhelming. If you're considering Erie, understanding its rate structure will help you determine whether this company fits your needs. However, we recommend gathering quotes from several providers to ensure you're getting the best deal if you want to save money on your car insurance.

Erie car insurance pricing per month

Erie charges $129 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage typically pay $82.

Keep in mind these are average figures. Your individual rate depends on multiple factors including age, where you live, credit score, and driving history. While your actual Erie rate may be different, these averages provide a useful benchmark for comparing providers.

	Erie average monthly cost	National average monthly cost
Full coverage	$129	$186
Liability-only	$82	$104

Erie's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which creates pricing variations. Comparing quotes helps you understand how Erie's rates match up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Erie	$129	$82

Erie's rates by age

Age plays a major role in Erie's pricing strategy, as it does with most insurers. Car insurance for teen drivers carries the highest premiums, averaging $243 per month for full coverage.

Rates generally decrease as you enter your 20s, with Erie averaging $168. The decline continues through your 30s at an average of $129 and your 40s at $116.

The sweet spot for low rates often comes in your 50s, 60s, and 70s, with average monthly costs of $101, $87, and $85, respectively.

This pattern demonstrates how insurers adjust pricing based on risk profiles across different life stages.

Age group	Erie average monthly full coverage cost	National average monthly cost
Teens	$243	$360
20s	$168	$242
30s	$129	$199
40s	$116	$191
50s	$101	$177
60s	$87	$159
70s	$85	$162

Erie's rates for high-risk drivers

Traffic violations and accidents on your record will push your Erie car insurance rates higher. High-risk drivers with a speeding ticket can expect to pay around $177 per month on average. An at-fault accident increases monthly premiums to approximately $166.

The cost impact of a DUI is particularly significant, with average monthly rates reaching $187. These amounts reflect standard pricing for high-risk situations, though your actual cost will vary based on when the incident occurred and your other risk factors.

Driving record	Erie average monthly full coverage cost	National average monthly cost
Accident	$166	$249
Speeding ticket	$177	$241
DUI	$187	$275

How does your credit score affect your rate with Erie?

Your credit score influences insurance rates in most states. Only four states prohibit this practice: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Erie adjusts pricing according to your credit tier. Drivers with excellent credit average $86 per month, while good credit typically results in rates near $120.

Average credit translates to monthly premiums around $138. Drivers with poor credit face higher costs, averaging $217 per month.

These figures demonstrate credit's substantial effect on your monthly premium, though your final rate depends on other personal characteristics as well.

Credit score	Erie average monthly cost of full coverage	National average monthly cost
Excellent	$86	$164
Good	$120	$179
Average	$138	$194
Poor	$217	$228

FAQs

Where is Erie Insurance available?

Erie Insurance operates as a regional carrier in just 12 states plus Washington D.C., which includes Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.

What is Erie's Diminishing Deductible program?

Erie's Diminishing Deductible program automatically reduces your collision and comprehensive deductibles by $100 for each claim-free year, up to a maximum reduction of $500 over time. This means if you maintain a clean claims history and start with a $500 deductible, it could eventually drop to zero, effectively giving you coverage with no out-of-pocket costs for future claims. However, New York residents have restrictions where comprehensive deductibles cannot go below $50 and collision deductibles cannot drop below $100, so it is imperative to check the specifics for your region.

Does Erie offer multi-policy discounts?

Erie provides multi-policy discounts when you bundle auto insurance with home insurance ranging from 15% to 25% depending on your state, which could result in significant savings compared to purchasing policies separately. The company also offers bundling opportunities with other insurance products including life, renters, motorcycle, and boat insurance.

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Bottom line

Should you choose Erie as your car insurance company? The most reliable approach is requesting quotes from Erie and competing insurers, then comparing them on both price and service quality.

Data throughout provided by Insurify.

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