Erie Car Insurance Review [2024]

What You Should Know About Erie Insurance Group

Erie Insurance offers car insurance and other products in a few states in the U.S. With Erie car insurance, you’ll get affordable rates and multiple options to help you customize your policy. In addition, if you drive a new car, Erie has options for you to protect yourself if you’re in an accident and your vehicle is damaged. Erie also gets excellent reviews for its customer service and claims handling processes. However, the company does receive more than the average number of complaints for an insurance company of its size. Still, Erie could be a helpful company to work with, depending on what you’re looking for. If you’re searching for car insurance, you may want to get a quote with Erie to see how the company’s rates compare to other insurance companies in your area. Unfortunately, Erie only offers car insurance in the District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. (For more information, read our "How do you get an Erie car insurance quote online?"). You can speak with an Erie Insurance representative to learn more about the company’s coverage options, your quote for coverage, and anything else you’re interested in.

What are the pros of an Erie car insurance policy?

If you purchase car insurance with Erie Insurance, you’ll get several benefits, including:

• Excellent claims service
• Affordable rates for good drivers
• Special coverage perks and add-on options
• A lock-in option for coverage rates

Erie Insurance has excellent ratings for its claims service. In particular, the company has the highest grade for claims service specific to collision repairs. In addition, Erie customers state that the company responds quickly to claims, pays out small claims within 48 hours, and is generally responsive if there’s an issue. Erie offers affordable rates across the spectrum, but drivers with a clean driving record receive especially cheap car insurance coverage options. If you are an adult with a clean driving record and good credit, you may find Erie’s rates are quite competitive in your area. Customers also benefit from the coverage perks and add-on options Erie offers. With Erie, you can purchase the company’s Auto Plus package, which offers benefits like waived deductibles and higher levels of coverage for specific claims. Additionally, Erie Insurance offers add-on coverages like rideshare insurance, new car replacement, and an Auto Security package to help you customize your policy to feel safe behind the wheel. Lastly, Erie allows customers to lock in their auto insurance rates once they get a quote. With Erie’s rate lock program, you can lock your rates and keep them that way until you add or remove drivers from the policy. Locking your rate with Erie could help you save money on your car insurance premiums.

What are the cons of an Erie car insurance policy?

While Erie is an excellent auto insurance option for many, the company does have its downsides. Some of the most significant disadvantages to using Erie as your insurance company include:

• Lack of availability in most states
• A higher-than-average number of customer complaints

Erie auto insurance is only available in the District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. If you do not live in one of these states, you’ll have to look elsewhere for car insurance coverage. According to the National Association of Insurance Commissioners, Erie receives more than the expected number of customer complaints for a company of its size. The company ranked high in auto insurance claims and shopping, but Erie customers complained about the company’s home and property insurance claims. Ultimately, Erie is a good company to work with. You may find that the disadvantages of a policy are not significant enough to stop you from getting a quote and learning more about your coverage options. Remember that Erie is only one of many insurance companies available to you, so find and compare quotes from several before you make a final decision on coverage.

Erie Car Insurance Reviews

Erie has great ratings and reviews for its claims handling process. With Erie, you can take solace in the fact that the company handles its claims quickly and effectively. Erie also offers affordable car insurance rates, especially for people with clean driving records and good credit. Erie has received more than the average number of complaints for a company of its size. Customers take issue with some of Erie’s customer service methods, but most of these issues pertain to other company insurance products. Erie has an A+ (Superior) financial strength rating with A.M. Best, and the company has a stable outlook regarding future insurance endeavors. Erie also has an A+ rating with the Better Business Bureau (BBB), though customers have rated it an average of 1.16 out of five stars. Most complaints concern Erie’s home insurance policies and specific claims. Erie is a good insurance company with many options for its policyholders. However, finding and comparing Erie auto insurance rates with the rates of other companies is a good idea. Doing so allows you to find the coverage you want without overpaying. Read more: Stop Overpaying for Car Insurance

Erie Insurance Group Insurance Coverage Options

Erie offers the standard car insurance coverage options you might expect from most insurance companies. These coverage options include:

• Property damage liability. Property damage liability car insurance pays for repairs if you hit another vehicle or piece of property and cause damage.
• Bodily injury liability. Bodily injury liability helps if you injure one or more people in an accident.
• Personal injury protection (PIP). Personal injury protection (PIP) coverage pays for medical bills, lost wages, and other expenses associated with a covered accident.
• Medical payments (MedPay). MedPay covers medical bills, visits to a doctor, and other medical costs associated with a covered accident.
• Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage helps if someone hits your car but does not carry the proper insurance to pay for the damages.
• Collision insurance. Collision car insurance coverage pays for repairs to your vehicle if you're at fault in an accident.
• Comprehensive insurance. Comprehensive car insurance coverage pays for repairs if your vehicle is damaged in a covered event other than an accident, like inclement weather, vandalism, or theft.

In addition to the coverage options listed above, Erie offers several options for add-on coverage. Add-on coverages help policyholders customize their auto insurance to ensure they feel as safe as possible when they're behind the wheel. Some of Erie's add-on coverage options include:

• New car replacement. If you own a vehicle up to two years old and your car is totaled in a covered event, Erie will replace your vehicle with a new car of the current model year once you pay the deductible. New car replacement with Erie is only available in select states.
• Better car replacement. If you total your car and it is two years old or older, better car replacement coverage pays for the version of your make and model that's two years newer than your current vehicle. Better car replacement is only available in select states.
• Gap insurance. If you have a loan or lease on your vehicle and your car is totaled, gap insurance covers the difference between your car's actual cash value and what you still owe on the car. (For more information, read our "How do I find out if GAP insurance is included in my car lease?").
• Rental car coverage. You can purchase rental car insurance coverage with Erie if you carry a minimum coverage policy, and the company automatically includes rental car coverage with your policy if you purchase full coverage. With Erie's rental car coverage, you can pay to upgrade to a luxury car or SUV if you wish.
• Rideshare insurance. Erie offers special insurance for people who work for rideshare companies. If you drive for a company like Uber or Lyft, Erie covers the gap between what your standard car insurance policy covers and what your rideshare employer offers.
• Auto Security package. The Auto Security package with Erie is a special option for car owners that includes new car replacement, better car replacement, and gap insurance coverage.

Unlike some other insurance companies, Erie offers its policyholders many options for coverage and convenience. If you're on the fence about Erie, explore some of the company's coverage options to determine whether a policy with this company would meet your needs.

Does Erie offer special coverage features?

In addition to the standard and add-on coverage options Erie offers, the company also provides extra features that might be important to some customers. For example, with Erie, you can get additional perks, such as:

• Accident forgiveness. Accident forgiveness prevents a rate increase if you're at fault in an accident. Accident forgiveness is automatically available to any Erie policyholder who has not been at fault in an accident before and has had Erie auto insurance coverage for a minimum of three years.
• Pet injury coverage. Erie will pay up to $500 annually for veterinary care for pets injured in a covered accident. Pet injury coverage can help you save up to $1,000 in vet bills.
• Rate lock. With Erie, you can lock in your auto insurance rate to prevent an increase. Erie's rate lock feature remains until you add someone to your policy, remove someone from your policy, or change where you park your vehicle. Rate lock may last three years, depending on where you live.
• Diminishing deductible. Erie automatically reduces your car insurance deductible by $100 annually for every consecutive year you don't file a claim. The diminishing deductible feature is good for up to $500 off your deductible altogether.

Erie's special features are appealing to many customers. You can speak with an Erie auto insurance representative to learn more about any perks you're especially interested in. Additionally, if you purchase comprehensive car insurance or a full coverage car insurance policy that includes comprehensive insurance, Erie will also include the following perks:

• Glass repair with no deductible, including a new set of wiper blades if your windshield needs to be replaced
• Locksmith services for up to $75 if you lock your keys in your vehicle
• Up to $350 in coverage for personal items like clothing and luggage inside an insured vehicle

While Erie may not be the cheapest option in your area, the company's perks and extra features may make Erie car insurance a good investment.

What is Erie's Auto Plus package?

Erie offers an option for car insurance coverage the company calls its Auto Plus package. Erie's Auto Plus package offers an assortment of benefits, including:

• Extra days of rental car coverage following a covered accident
• Higher limits for certain coverages, like locksmith costs and coverage for personal items
• Waived deductibles for specific claims after a covered event
• A death benefit worth $10,000 paid to your beneficiaries if you die as the result of a covered accident

Erie's Auto Plus package costs $35 annually in most states, and coverage included in the package may be worth the investment. You can purchase the Auto Plus package anytime as part of your Erie car insurance policy.

Does Erie offer other insurance products?

In addition to car insurance, Erie offers the following insurance products:

• Homeowners insurance
• Renters insurance
• Condo insurance
• Mobile home insurance
• Motorcycle insurance
• Umbrella insurance
• Classic car insurance
• Snowmobile insurance
• RV insurance
• Golf cart insurance
• Boat insurance
• Identity theft insurance
• Business insurance
• Medicare supplement insurance

Erie also offers certain retirement planning products you may find helpful, like annuities and Roth or traditional individual retirement accounts. Purchasing two or more types of insurance with Erie could help you save money with a bundling discount. Ask an Erie representative how much you could save by purchasing different insurance products with the company.

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Erie Insurance Group Insurance Rates Breakdown

Car insurance costs vary for several reasons. There are many factors that affect car insurance rates. Your monthly or annual rates for coverage are likely based on a combination of the following factors:

• Age
• Gender
• Marital status
• Location
• Credit score
• Driving record
• Car make and model
• Coverage type

If you are in your mid-30s and have a clean driving record and good credit, you'll often pay less for car insurance than a teen driver or someone who has an at-fault accident on their record. However, all insurance companies consider factors differently, which is why it's so important to compare quotes for coverage. You may find one company focusing more on your credit score than another. Because this factor is weighted differently between the two companies, your rates will vary from one to the other. As a result, you can avoid overpriced car insurance when you shop and compare car insurance quotes. Car insurance rates with Erie are often competitive with other insurance companies. In addition, Erie offers the cheapest car insurance rates in certain scenarios.

How much is Erie insurance on average?

Erie car insurance costs around $1,321 annually, or $110 per month for full coverage. In addition, the company charges $476 annually, or around $40 per month, for a liability-only policy. [table id=6995 responsive=scroll /] The national average for a full coverage policy is around $1,771 annually or $148 per month. For a minimum coverage policy, the cost is around $545 annually or $45 per month on average.

How much is Erie car insurance with a speeding ticket?

Speeding tickets affect your car insurance rates. If you have a speeding ticket on your driving record, you can expect to pay higher-than-average rates for car insurance. This is because many car insurance companies will see you as more of a risk because of your driving record. [table id=6984 responsive=scroll /] You'll pay around $1,435 annually or $120 per month for full coverage with Erie if you have a speeding ticket on your record. The national average for a full coverage policy with a speeding ticket is around $2,138 annually or $178 per month. Driving safely is the best way to get lower rates if you have a speeding ticket on your record. Your speeding ticket will not stay on your record forever. You should eventually get cheaper car insurance rates if you don't get additional infractions. Some insurance providers may also allow you to take a safe or defensive driving course to lower your car insurance rates. You can speak with an Erie car insurance representative to see if this is an option.

How much is Erie car insurance with an at-fault accident?

Having an accident on your driving record could increase your rates significantly. If you were at fault in one or more accidents, most car insurance companies will see you as a risk and charge you more in monthly or annual premiums. [table id=6996 responsive=scroll /] If you purchase a full coverage policy with Erie and have an at-fault accident on your driving record, you can expect to pay around $1,562 annually or $130 per month for coverage. The national average for a full coverage car insurance policy with an at-fault accident on your record is $2,521 annually or $210 per month. Similar to a speeding ticket, an at-fault accident will only impact your rates for a few years. Once the accident is gone, you should get cheaper rates as long as you don't get any additional blemishes on your driving record. Learn about how long an accident stays on your insurance record.

How much does it cost to insure a teen driver with Erie?

Teenagers pay more for car insurance than any other demographic because of their inexperience behind the wheel. So if you're a teen driver or have one in your home, you can expect to pay higher-than-average car insurance rates for teen drivers. [table id=6979 responsive=scroll /] You'll pay around $2,580 annually or $215 per month for a full coverage teen car insurance policy with Erie. While this may seem like a lot of money, the national average is much higher. The national average for a full coverage teen car insurance policy is around $3,852 annually or $321 per month. If teens can get on a parent or guardian's policy, they should save significantly on their car insurance coverage. Also, some insurance companies offer discounts to teens with good grades and those who take safe driving courses through the insurance company.

Erie Insurance Group Discounts Available

Erie offers a variety of car insurance discounts on its car insurance products, including:

• Multiple vehicle discount
• Multiple policy discount
• Bundling discount
• Stored vehicle discount
• Safety features discount
• Paid-in-full discount
• Safe driver discount

Discounts can help you save up to 25% on car insurance coverage. Speak with an Erie representative if you qualify for discounts to see how much you could save on your monthly or annual rates.

How Erie Insurance Group Ranks Among Providers

Drivers with clean driving records pay the least for car insurance with Erie, and many other insurance companies are similar in assessing people's driving records. Geico and State Farm have lower rates on average than Erie. Still, Erie has consistently lower rates than companies like Progressive, Allstate, and Farmers. Your auto insurance rates will vary based on how each company assesses you as a driver. You should find and compare quotes from several companies to see which offers the coverage you need at a price that works with your budget. Don't forget to ask about discounts. You may save money on car insurance coverage by pursuing discounts for safe driving, safety features on your vehicle, a good driving record, and more. Discounts can help you save up to 25% on car insurance coverage.

Erie Car Insurance Review: The Bottom Line

Erie offers affordable car insurance coverage to people in 16 states in the U.S. With Erie, you can find the coverage you need on your vehicle, and you may find that the company offers affordable rates. Erie has excellent claims handling ratings, and the company is rated well with A.M. Best and the Better Business Bureau. In addition, Erie offers add-on coverage options to help you customize your policy, discounts to save money on car insurance, and several perks and benefits that may set the company apart from other insurance companies in your area. You can get a quote with Erie on the company's website to compare rates with other insurance companies. Comparing quotes will help you ensure you don't overpay for your car insurance coverage.

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