Erie Insurance Review

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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.:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

Erie auto insurance customer satisfaction ratings

Overall ratingPrice satisfaction Customer service satisfaction
4.5 stars 4.5 stars 4.5 stars

Would you choose Erie auto insurance again?

Yes Maybe No
77% 21% 1%
Numbers might not total 100% due to rounding

More ratings: Best car insurance companies

Erie car insurance price comparison

Here's a look at how car insurance premiums compare among Erie Insurance and other large auto insurers.

Company Monthly premium paid
Erie Insurance $112
American Family $115
Travelers $123
State Farm $126
Farmers $131
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Premiums for sedans, coupes and hatchbacks were averaged. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Erie insurance options

Erie Insurance has all the fundamental coverage types you'd want, such as liability, collision, comprehensive and uninsured motorist coverage. Here's a look at whether Erie offers other auto insurance options.

SR-22 filings

Proof of financial responsibility.

Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Non-owner insurance

Liability insurance for people who don't own vehicles.

Rideshare insurance

Extra coverage for Uber drivers and others.

Yes, by designating business use on a policy
Source: EverQuote research. Product options might not be available in all states.

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.

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 

College student
For full-time students age 23 or younger who don't live at home and don't have a car at college.

Safe driver
For drivers without moving violations or claims for the last three years.

Driver training
For drivers under age 21 who have completed an accredited driver training course.

Youthful driver
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.

Anti-lock brakes 

Anti-theft device 

Passive restraints 

Reduced usage
If you won't be driving the vehicle for at least 90 consecutive days.

Advance quote
For people who get quotes seven or more days before the policy will start.



Payment plan
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.

Consumer complaints against Erie Insurance

Every 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. The industry median ratio is 1.00 and lower numbers are better.

Erie Insurance complaints

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 coverage types

Erie Insurance contact information

100 Erie Insurance Place
Erie, PA 16530
Customer service: (800) 458-0811
Claims: (800) 367-3743

Methodology for ratings

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Erie in March 2018. The survey was not open to the public on

Updated Nov. 5, 2018

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