Cheap Auto Insurance in Erie, PA
If you are looking for cheap auto insurance in Erie, PA, it is of note that you will not need collision or comprehensive coverage. You will be required to get Bodily Injury Liability in the amounts of $15,000 per individual and $30,000 per accident as well as $5,000 in Property Damage Liability. With that being said, most people increase their level of coverage, and even add Collision and Comprehensive coverages. Even still, an Erie, PA driver could be paying as little as $40 per month for auto insurance.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
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- Pennsylvania requires drivers to carry 15/30/5 in liability auto insurance coverage.
- Cal Casualty, Allied, and State Auto tend to have the lowest coverage rates in Erie, PA.
- Auto insurance rates in Erie, PA are lower than most of the larger cities in the state.
Erie, PA is the 3rd largest metropolitan area within the state and aptly named for its location along the southern and eastern shore of Lake Erie. Because Erie happens to be the only Pennsylvania city with access to a lake port, shipping and manufacturing has been an essential industry since its founding. To this day, its strong economy makes Erie an attractive town for new residents and private businesses.
In the market to buy cheap auto insurance in Erie, PA? We will help you find the lowest cost insurance premiums within your town. You can also read our article on Auto Insurance in Philadelphia, Pennsylvania.
Get a good start on finding reasonable Erie rates by typing your ZIP code into our helpful tool above.
What are the auto insurance coverage requirements in Pennsylvania?
Driving legally in Erie requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 15,000/30,000 | 100,000/300,000 |
| Property Damage Liability | 5,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | 5,000 | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
Don’t be put off by the fact that Medical Payments auto insurance coverage is required in Pennsylvania. If you or someone else gets hurt in an accident you’re involved in, that extra coverage can help with the cost of medical bills.
In most parts of Pennsylvania, the average monthly rate to stay insured can be as high as $120 or more, depending on where you live. However, you may be able to lower that rate to around $40 a month or less if you know how and where to look.
Between Allied, Cal Casualty, and State Auto, the average driver will be hard-pressed to find a cheaper deal. However, motorists with poor credit scores or student drivers might not find the best deals with a major, mainstream company.
Pennsylvania auto insurance providers consider various factors when calculating coverage rates, including marital status, accident claims, occupation, years of driving experience, and multiple automobiles and drivers.
Premiums can also vary between different providers. To make sure you’re still receiving the most affordable price, use our free tool to find cheap Erie, PA auto insurance quotes on the web.
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What are the major auto insurance factors in Erie?
According to the Office of the Insurance Commissioner of Washington State, your auto insurance provider takes a lot of variables into account when determining your rates. Some of these factors include:
Your zip code
Cheap car insurance is usually available in metropolitan areas with a smaller population density. Because there are fewer vehicles on the road, there are fewer opportunities to be involved in a collision with another drive. The populace of Erie is 100,671 and the general household income is $32,508.
Automotive accidents
If your particular ZIP code experiences a high rate of serious accidents each year, your provider might automatically raise your rates to offset the future cost of expensive claims. The statistics for Erie are displayed below. Talk to your insurance agent about Safe Driver auto insurance discounts that may lower your monthly rate.
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Auto thefts in Erie
Obtaining affordable auto insurance in Erie, PA, can be hard if you are vulnerable to auto theft. Specific trendy automobile or truck models are usually popular with thieves, as well as vehicles that are frequently parked in big urban centers.
There were 98 stolen cars in Erie in 2013. If you don’t think you’re at risk for auto theft, altering your comprehensive deductible could help you save on monthly premiums.
Your credit score
Your credit score plays a significant role in your monthly coverage rate. As this chart demonstrates, having a poor credit score can almost double or triple what you pay each month to remain insured.
Your age
Statistically speaking, young and inexperienced drivers are more likely to get into an accident. That’s why older drivers are charged lower monthly rates; insurance companies are not taking on a huge financial risk by insuring them.
If you are a teenage driver, look into good student discounts, as well as Drivers Ed and defensive driving courses that may help lower your rates.
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Your driving record
The more tickets, citations, and violations you have on your driving record, the higher your monthly premiums will be. Furthermore, if you have serious offenses on your record, such as a DUI, your insurance company may refuse to cover you at all. Some companies may be willing to forgive a minor ticket or two if you qualify for an accident forgiveness discount.
Your vehicle
There is a significant difference between insuring a sedan and a fancy sports car. A good chunk of that price increase comes from the fact that a luxury automobile will require more than just basic coverage.
What are some auto insurance factors in Erie?
These factors might not have a huge influence on your rate, but they are worth being aware of:
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Your marital status
When it comes to insurance discounts associated with your marital status, most companies have very different opinions on whether married or single people should pay more.
One advantage that married couples have is bundling discounts.
If you bundle your auto insurance policy with that of your spouse or your homeowners policy you can get some pretty substantial insurance discounts.
Your gender
Our data analysis shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. Even when companies do charge different prices for different genders, it usually varies by no more than 2-3%.
Your driving distance to work
Typical commutes to and from work in Erie are shorter than in most cities. The average citizen can expect to spend between 16 to 24 minutes behind the wheel each way. A little over 74% of motorists will use their own vehicle to travel to work alone, while another 4-23% will carpool. Less than 5% walk.
The table below details how your commute may impact your average annual auto insurance rates in Pennsylvania.
| Companies | Average Annual Rates for 10 Miles Commute 6000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12000 Annual Mileage |
|---|---|---|
| USAA | $1,742.14 | $1,844.59 |
| Geico | $2,562.81 | $2,647.62 |
| State Farm | $2,661.82 | $2,826.63 |
| Nationwide | $2,800.37 | $2,800.37 |
| Allstate | $3,904.16 | $4,064.08 |
| Progressive | $4,451.00 | $4,451.00 |
| Liberty Mutual | $5,900.24 | $6,210.14 |
| Travelers | $7,842.47 | $7,842.47 |
When you analyze the data, most of these factors barely make a dent in your monthly premium. There may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
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Your coverage and deductibles
The more coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and still keep your monthly rate relatively low by raising your deductible. You will have higher out-of-pocket expenses in the event of an insurance claim, but you will have lower monthly premiums as a result.
What’s the education in Erie, PA like?
More than 41% of the Erie population has successfully graduated from high school or earned an equivalent diploma. Another 20% has yet to go through all four years of their high school education. Having a higher degree will earn you lower prices on auto insurance rates.
There are four full-time universities that offer bachelor’s degrees and higher located within Erie.
These schools are Gannon University, the Edinboro University of Pennsylvania, Penn State Erie, and Mercyhurst College. Additionally, the Lake Erie College of Osteopathic Medicine is one of the most prestigious medical schools in the area.
For a more specialized degree, students often flock to the Erie Business Center or the Northwestern Pennsylvania Technical Institute.
How we conducted our auto insurance analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Type your ZIP code into our free tool below to find reasonable rates for auto insurance in the Erie area.
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Frequently Asked Questions: Cheap Erie, PA, Car Insurance
#1 – Who has the cheapest auto insurance in Pennsylvania?
Erie Insurance is seen as having the cheapest rates in Pennsylvania.
#2 – How much does Erie Insurance cost?
They have competitive pricing structures, sometimes up to 33 percent cheaper than the competition.
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#3 – What day is the cheapest for auto insurance?
There is no specific cheapest day, but getting an insurance quote about 25 days prior to the start of the policy is seen as the best way to ensure cheap rates.
#4 – What are the worst auto insurance companies?
Allstate, Unum, AIG, and Conseco have numerous customer complaints.
#5 – Is Alabama a no-fault state for auto insurance?
Alabama is a fault, or tort, state.
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#6 – How do I find cheap automobiles in Erie, PA?
Searching vehicle shops or towing yards may be your best bet to find a cheap vehicle.
#7 – Can I get Erie insurance with a speeding ticket and what is Erie insurance’s speeding ticket policy?
If an insured individual has had speeding tickets within the past few years, Erie Insurance may charge them more.