Erie Car Insurance Review [2021]: Is It the Right Coverage for You?

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On the hunt for insurance savings? Erie Insurance offers multiple driver and family discounts that could keep more money in your pocket.
Last updated May 18, 2021 | By Taylor Medine | Edited By Jess Ullrich

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Shopping around for car insurance rates is one of those chores you might avoid because you’re concerned that it’ll be time-consuming. That’s not always the case, though. Because many quote processes are now handled mostly online, you might be able to compare auto insurance quotes from the comfort of your couch.

With Erie Insurance, you can check quotes within minutes after entering basic information about you, your car, and other drivers into an online form. Here’s what you need to know about Erie car insurance to help you decide if it’s the right option for you.

In this article

What is Erie Insurance?

Erie Insurance is an insurance company that was founded in 1925 by H.O. Hirt and O.G. Crawford in Pennsylvania. From the start, the company’s mission was to provide policyholders with “near-perfect protection” and “near-perfect customer service” at an affordable price.

Nearly 100 years later, Erie Insurance is a Fortune 500 company. It has earned an AM Best rating of A+, which is a testament to its financial strength. It’s ranked first place in the J.D. Power 2018 U.S. Auto Insurance Study for customer satisfaction in the Mid-Atlantic region. The company employs more than 5,000 people and has over 5 million policies in force.

How does Erie Insurance work?

If you get into an accident, Erie car insurance could help to cover car damage, property damage, and bodily injury of others involved in the crash. Depending on the type of auto coverage you choose, it might also help cover your car if it’s stolen, vandalized, or damaged in another event, such as a storm. One area in which Erie Insurance shines is the additional coverages you may be able to include in your policy.

Auto insurance policy coverage options may include:

  • Coverage for ridesharing
  • Roadside service and rental car coverage
  • Coverage for loss of personal items (up to $350)
  • Vet bill coverage if your pet is hurt during an accident
  • Locksmith coverage of up to $75 (part of comprehensive coverage)
  • Glass repair with a waived deductible (part of comprehensive coverage)

Erie Insurance also offers homeowners insurance, renters insurance, business insurance, and life insurance policies. If you have a car insurance policy that’s bundled with another insurance product through Erie, you might be able to qualify for a discount.

What insurance does Erie offer?

Erie auto insurance policies include the following types of coverages:

  • Bodily injury and property damage liability: Coverage that could help pay for property damage and medical expenses for others injured in an accident when you’re at fault.
  • Coverage for medical expenses: Coverage that could help pay medical expenses for you and passengers.
  • Uninsured motorists bodily injury: Coverage that could help pay for your injuries if a motorist at fault doesn’t have insurance to cover your medical expenses and lost wages.
  • Underinsured motorists bodily injury: Coverage that could help pay for your injuries if a motorist at fault doesn’t have sufficient insurance to cover your medical expenses and lost wages.
  • Collision coverage: Coverage that could help pay for the replacement or repair of a car when you get into a collision.
  • Comprehensive coverage: Coverage that could help pay for damage that results from something other than an accident, such as a fire or vandalization.

The cost of your car insurance premiums with Erie will depend on factors such as your driving history, how much you drive, the type of car you have, and the coverage you choose.

Erie Insurance lets you make adjustments to coverage amounts for bodily injury and property damage liability. You can also choose your deductible for collision and comprehensive coverage, which might increase or decrease your annual premium and monthly payment, depending on the deductible amount you select.

If you want to get insurance for a vehicle other than your everyday ride, Erie Insurance also insures motorcycles, snowmobiles, RVs, all-terrain vehicles, boats, classic cars, and more.

How to get an insurance quote

You have the option to get an Erie car insurance quote online at or by contacting an Erie agent. The online quote process involves filling out simple information about yourself and your car. You’ll need to have certain information on hand, including:

  • First name
  • Last name
  • Date of birth
  • Address
  • Vehicle type, year, make, and model to be insured
  • Annual mileage
  • How you primarily use the vehicle
  • How many days you drive per week
  • The age you got your license
  • How many miles one way you drive during your commute

After entering these details, the online form will produce an annual premium and monthly payment estimate, and you’ll see which insurance discounts you might qualify for. On the quote page, you have the option to adjust your liability coverage, and you can also choose your collision and comprehensive deductibles.

Once you’re happy with the adjustments, you can submit your quote to an agent who will contact you to discuss details. Keep in mind that the online quote is an estimate — the final premium and monthly cost could change.

How to maximize your savings with Erie Insurance

Erie Insurance offers several discounts you might qualify for to help maximize savings. Here are the discounts available:

  • Multi-policy discounts: If you have a car insurance policy and a life or home insurance policy with Erie Insurance, you may qualify for a discount. You may also qualify for a discount if you have multiple cars on one policy. Multi-policy discounts could save you 16% to 20% depending on where you live.
  • Vehicle storage discount: If you put your car away in storage for 90 consecutive days or more, you may qualify for a usage discount.
  • Safety savings discount: Having safety features — such as factory-installed airbags, anti-lock brakes, or anti-theft devices — could qualify you for safety savings.
  • Lump-sum payment discount: You may qualify for a discount if you pay the annual premium all at once instead of in installments.
  • Youth driver discounts: Erie may offer a 5% to 20% discount when you add youth drivers who live with you to the policy. Conditions apply.
  • College credit discount: If a driver under 21 is at college and not driving, you may be able to qualify for a discount while they’re away.

Besides the discounts above, Erie Insurance offers other opportunities to save money on car insurance. For example, the Diminishing Deductible option under the Erie Auto Plus Endorsement may reduce your deductible by $100 each year you don’t file a claim (up to a $500 limit). Erie Insurance also offers First Accident Forgiveness, which keeps your rate the same after your first at-fault accident if you’ve been a customer for three or more years.

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FAQs about Erie auto insurance

Is Erie auto insurance legit?

Erie Insurance is a legitimate company that’s been in business for the past 96 years. It gets an A+ rating from the Better Business Bureau and AM Best. It has been consistently ranked as one of the top 10 auto insurance companies in J.D. Power’s annual U.S. Auto Claims Satisfaction Study.

What states does Erie Insurance do business in?

Erie Insurance has limited availability. Currently, it serves Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.

Is Erie Insurance better than State Farm?

Erie Insurance and State Farm have some similarities. Ultimately, which one is better will depend on the rate quote you receive when shopping around for coverage as well as the coverage options. Both companies may offer rate discounts for driving a car with safety features, taking out multiple policies, and more.

Both companies also offer online quote forms. One key difference is that Erie Insurance services 12 states and D.C., whereas State Farm does business throughout the U.S.

How do customers rate Erie Insurance?

Erie Insurance gets some less-than-perfect reviews on the BBB website. Several customers say having trouble with customer service is their reason for giving the company a low rating. However, on ConsumerAffairs, the company has some more recent positive reviews that are related to premium savings and the efficiency of the claims process.

How to get started with Erie auto insurance

If you’re wondering how to get car insurance coverage with Erie, the process is pretty straightforward. The first step is getting a quote.

The quote you get is conditional, though. The next step is getting in contact with an agent to finalize the terms. You could also bypass the online form and contact the agent directly. Erie Insurance has a website in which you can type in your zip code to locate a local agent.

Bottom line

When shopping around for new car insurance, there are many insurers and coverage options to choose from. Erie Insurance offers full coverage insurance options and is worth considering if you live in a state the company serves. Erie Insurance has several discounts and other perks, such as first-time accident forgiveness and a reduction in your deductible for the years you don’t file a claim.

The best car insurance policy for you depends on where you can get the best coverage at the best rate given your location, driving record, the type of car you have, and how often you drive. Consider comparing quotes from Erie Insurance with other insurance providers before choosing your next policy.

  • Save up to $500 a year on your car insurance
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  • Quickly find the perfect rate for you

Author Details

Taylor Medine Taylor Medine is a freelance writer who's covered all things personal finance for the last seven years. She enjoys writing financial product reviews and guides on budgeting, saving, repaying debt, and building credit.