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About Erie Insurance
Erie sells mainly auto insurance, which makes up about 47% of its business. It also sells homeowners insurance, commercial insurance, workers comp and other insurance types. Over a third of its business is in Pennsylvania, where the company is based, according to S&P Global Market Intelligence.
Erie is a regional insurance company based in Pennsylvania. It sells insurance in 12 states and Washington, D.C.:
- New York
- North Carolina
- West Virginia
In this review:
Auto insurance satisfaction ratings
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Home insurance satisfaction ratings
Erie contact information
Erie auto insurance customer satisfaction ratings
We asked current Erie car insurance customers to rate the company on several measures. Here are their ratings.
Overall satisfaction: 4 stars
Price satisfaction: 4 stars
Customer service satisfaction: 4.5 stars
Would you choose Erie again?
As another measure of satisfaction, we asked current Erie auto insurance customers if they would choose the company again. Almost two-thirds said yes.
In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.
Erie car insurance price comparison
We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Erie and other insurers. It was one of the four cheapest insurers in our analysis.
|Insurance company||Average annual premium|
|Shelter Insurance Co.||$1,453|
Does Erie Insurance have what you want?
Do you want special features in a car insurance policy? Here's a look at what Erie offers as add-ons or as separate policies:
- Gap insurance? Yes.
- Non-owner insurance? Yes.
- Rideshare insurance for Uber, Lyft and other drivers? Yes, by designating business use on a policy.
- Usage-based insurance, with rates based on driving behavior? No.
- Pay-per-mile insurance, with rates based on miles per day? No.
- SR-22 filings? Yes.
Also available from Erie Insurance
Erie Rate Lock: Your premium won't change even if you have a claim, unless you make a change to the policy such as adding a vehicle.
First Accident Forgiveness: For people who have been Erie Exchange customers for three years.
Feature Fifteen: Erie will not apply a surcharge for an at-fault accident for a Family Auto Policy that has been continuously in force for 15 years with Erie Insurance Group.
New car replacement: if your new car (less than two years old) is totaled, Erie will replace it with a car of the newest model year.
Website & app
We asked Erie auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.
Complaints against Erie Insurance
Complaints about Erie car insurance are lower than the industry median.
Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business.
Erie car insurance discounts
Here are some of the Erie auto insurance discounts offered, based on our review of state insurance filings. Discounts details may change among states, and might not be available in all states or from each Erie subsidiary. Also, some vehicles may be ineligible for certain discounts, like motorcycles and antique cars.
Accident prevention course
For drivers age 55 and older who complete an approved class.
Age 55 or over
For full-time students age 23 or younger who don't live at home and don't have a car at college.
For drivers without moving violations or claims for the last three years.
For drivers under age 21 who have completed an accredited driver training course.
For drivers between 15 and 20 who have no moving violations and who live in a household where no drivers had an at-fault claim of more than $100 in the last five years.
Youthful driver longevity
100% farm use
For policyholders who also reside on the farm.
If you won't be driving the vehicle for at least 90 consecutive days.
For people who get quotes seven or more days before the policy will start.
For those paying annually or in three payments within 90 days.
Past liability limits
For those who've had at least $300,000 in bodily injury liability limits.
Erie home insurance satisfaction ratingsWe asked current Erie homeowners insurance customers to rate the company on several measures. Here are their scores.
Overall satisfaction: 4 stars
Price satisfaction: 4 stars
Customer service satisfaction: 4 stars
Would you choose Erie homeowners insurance again?
We also asked current Erie home insurance customers if they would choose the company again. Most said yes.
In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).
Companies within Erie
Many insurance companies have several subsidiaries. Erie's companies include:
- Erie Indemnity Co.
- Erie Insurance Exchange
- Erie Insurance Co.
- Erie Insurance Co. of New York
- Erie Insurance Property & Casualty Co.
- Erie Family Life Insurance Co.
- Flagship City Insurance Co.
Source: S&P Global Market Intelligence
Erie Insurance contact information
100 Erie Insurance Place
Erie, PA 16530
Customer service: (800) 458-0811
Claims: (800) 367-3743
For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Erie in January 2019. The survey was not open to the public on EverQuote.com.
For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.
State rate filings source: S&P Global Market Intelligence.
Updated March 15, 2019