Erie Auto Insurance Review for 2024

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 20, 2022

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Erie has been around since 1925, originally incorporating itself as the The Erie Exchange. Since their humble beginnings, they have added fire insurance (1940) and also life insurance (1967). Presently, they are 13th largest automotive insurance provider in the country and ranked as the 2nd largest vehicle insurance provider within the state of Pennsylvania. Their philosophy is to offer “perfect service and perfect protection” to all of their customers.

Erie Insurance Review

As far as ratings go, Erie seems to be a pretty favorable company. Their financial strength has received an A+ “excellent” rating from A.M. Best, which means they shouldn’t be going bankrupt or refusing to pay out claims any time soon. Additionally, both the BBB and the NAIC Complaint Index reflect an overall satisfaction Erie customers seem to have with the company.

Ratings Agency Rating
AM Best Financial Strength Rating (2016) A+
Better Business Bureau (2016) A+
NAIC Complaint Index (2012) 0.85 (Better than Average)

Erie Insurance Discounts

Like the majority of automotive insurance companies out there, Erie aims to please their customers by offering some attractive discounts. And those include:

Discount Type* Discount %
Safe Driver 15%
Anti-Lock Brake 1%
Daytime Running Lights 1%
Passive Restraint 5 – 10%
Anti-Theft 2 – 7%
Accident Prevention Course 10%
Multi-Policy (Auto + Home) 7%
Pay Plan 3 – 10%
Youthful/Student Driver up to 20%

(* 2016)

Just keep in mind that not all discounts are available in every state. Likewise, discounts for anti-theft devices and payment plans will vary based on the equipped device and the type of payment plan you choose, respectively. The table above is an estimate of potential discounts you might qualify for based on aggregate data. The only way to confirm that you can qualify for any discount is to discuss them with your auto insurance agent.

Erie Auto Insurance Options

Unlike most insurance companies, the most basic policy you can order from Erie starts with the following forms of coverage:

  • Liability (Bodily Injury and Property Damage)
  • Uninsured/Underinsured Motorist Coverage
  • Collision
  • Comprehensive
  • Medical Payments

This basic policy also comes with 30 additional minor forms of coverage at no charge to the customer. These coverages include pets, Travel Costs, Locksmith Services, and more. Lastly, in exchange for a slightly higher premium each month, you have the option to add extra forms of coverage such as Road Service or New Auto Security.

Comparing Erie Insurance Quotes

Comparing quotes among different companies can get tricky if you don’t know your risk profile. In the chart below, you will find estimates for different risk profiles of drivers in Pennsylvania:

Erie Auto Insurance QuotesLegend: Erie Married HomeownerPoor CreditSingle RenterImperfect Record 153045607590105120135150165$70$173$72$115

Married Homeowner
Poor Credit
Single Renter
Imperfect Record






The lowest rates, as you can see, are awarded to customers with clean driving records, good credit, and who have the potential to bundle their auto policy with homeowners or renter’s insurance. Having accidents or tickets on your record will notably raise your premiums with Erie. Further still, if you have poor credit, you can expect a significant rate hike from this automotive insurance company.

Pros and Cons of Erie Insurance

Pro Con
Over 2,000 Erie agencies working throughout the Northeast Only sells automotive insurance in 12 states, plus Washington D.C.
Technical Learning Center keeps their staff efficient with claims/appraisal Significant rate increases for drivers who are considered “high-risk”
Includes forms of coverage in a basic auto policy which most other companies charge extra for

Erie Auto Insurance is a financially strong company with pretty good customer service ratings offering auto policies and more in several states. In many areas, they offer fairly competitive prices on monthly premiums for their car insurance policies. However, if you are a high-risk driver, there is a very strong chance that Erie won’t be the most affordable provider in your area. But if you want to know who is, you can compare multiple free quotes today with

Corporate Headquarters
100 Erie Insurance Place
Erie, PA 16530-1104

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