Erie Car Insurance Review

Well-Rounded Standard Policies With High Customer Satisfaction

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Erie Insurance

Erie is a midsize insurer primarily available in the Northeast, Southeast, and Midwest, and it has high overall customer satisfaction. The company’s basic offerings are similar to those of other providers, but Erie differentiates itself by including various extra protections for free and offering a variety of optional coverages that rival those of larger insurance companies.

  • Pros and Cons
  • Company Overview
Pros and Cons
  • Multi-policy discounts of 16% to 25%

  • Numerous optional coverages to choose from for a custom-fit policy

  • First-accident forgiveness may be available after three claim-free years with Erie

  • High marks on most J.D. Power studies

  • Rate Lock feature could keep your premiums consistent for years

  • Only available in 12 states and DC

  • May need to discuss ongoing service with a live agent versus managing your policy digitally

Company Overview
  • Official Website
  • Insurance Offered Car, motorcycle, RV, boat, collector and classic car, off-road vehicle, homeowners, renters, and more
  • Customer Service Available by online form ( or phone (800-458-0811), Monday to Friday, 8 a.m. to 11 p.m. Eastern, and Saturday, 9 a.m. to 4:30 p.m ET
  • Year Founded 1925

Erie Car Insurance Coverage

Erie’s auto policies offer all the basic coverage options

  • Liability (bodily injury and physical damage you cause to others, required in most states)
  • Personal injury protection 
  • Collision: may include personal item coverage up to $350; $75 travel expense coverage after breakdown
  • Comprehensive: may include locksmith services up to $75 on insured car, and auto windshield glass repair deductible waiver; $75 travel expense coverage after breakdown
  • Medical payments 
  • Uninsured and underinsured motorist

Depending on your state, policies may also include protections like coverage for injured pets, and first accident forgiveness. The forgiveness may be available after being a claims-free Erie customer for three years, or it may be available immediately, depending on your state. This is an unusual perk, as most companies don’t offer the option to earn accident forgiveness, or require a longer accident-free history.

With the Erie Auto Plus package for $35 per year (or less in some states), you’ll get additional coverage, including:

  • Diminishing deductible
  • $10,000 death benefit
  • Additional days of rental car reimbursement coverage
  • The ability to waive the deductible in certain situations
  • Increased coverage limits for locksmith services, personal items, and non-owned trailers

You also can purchase many coverages or endorsements a la carte. Depending on your state, these may include:

  • Roadside service
  • Rental car reimbursement
  • Ridesharing coverage
  • ERIE Rate Lock (keeps your rates from increasing until you make changes like adding a vehicle or driver, or moving to a new primary residence)
  • Diminishing deductible (decreases by $100 for each consecutive claim-free year, up to $500) 
  • New car protection (replaces totaled vehicles newer than 24 months with the latest model year)
  • Better car protection (replaces a totaled car with one that’s two years newer)
  • Lease/loan protection

Factors That Affect Your Cost

Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (business, personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium. To get a sense of what Erie car insurance might cost you, we recommend requesting a quote based on your vehicle, driving habits, and personal information.

Erie Car Insurance Discounts

Erie offers auto policyholders numerous ways to save:

  • Youth discounts: Young driver
  • Loyalty discounts: Multi-car, multi-policy (up to 25%)
  • Safety discounts: Safe driving, car safety equipment 
  • Other discounts: Reduced usage (not using car for at least 90 consecutive days), annual payment (pay in full)

In most states where Erie is available, it offers a driving safety app called YourTurn that rates your driving habits and skills, like how hard you brake, whether you drive faster than the speed limit, and whether you use your phone while driving. Your driving score translates to rewards of up to $5 (or $10, if you’re 23 or younger) every two weeks, which you can spend at certain stores or donate to charity.

Erie Car Insurance Availability

Erie is available in 12 states and Washington, D.C. Not all coverages and discounts are applicable in all states; for example, new and better car protection coverage are not available in North Carolina and New York, and passive restraint discounts don’t apply in Kentucky.

How to Get an Erie Car Insurance Quote

You can start your quote online and complete it with the local agent listed at the bottom of your quote. Alternately, you can find and call an agent directly. You’ll need to provide basic personal information and vehicle details. Online quotes don’t leave much room for customization or seeing how much you’d pay with and without various Erie endorsements, so you’ll need to talk to an agent to make quote adjustments. You can also call 800-458-0811 for general assistance.

How to File a Claim with Erie

Contact your local Erie agent or call Erie’s general claims number at 800-367-3743 to file a claim. An adjuster will reach back out to review accident details and your existing coverage. It’s a good idea to keep your policy and claims number, contact information for your agent and claims handler, and documents about the claim all together. You might also want to take notes on your calls about the claim. 

Erie Customer Service

Study How Erie Fared
J.D. Power Auto Claims Satisfaction Study #7 out of 24
J.D. Power Auto Insurance Satisfaction Study
#2 out of 15 in the Mid-Atlantic region  #1 out of 17 in the North Central region #2 out of 16 in the Southeast region
J.D. Power Insurance Shopping Study #3 out of 12
J.D. Power Insurance Digital Experience Study #21 out of 22 for service #15 out of 22 for shopping

Overall Satisfaction

Erie’s limited availability means it only appeared in three out of 11 regions in J.D. Power’s Auto Insurance Satisfaction Study. Nonetheless, it ranked first or second, showing that its customers are highly satisfied with its price, offerings, the billing process, and more. Its average score of 862 was also significantly above the average score of 843 for all regions.

Auto Claims

Erie snagged seventh place in J.D. Power’s Auto Claims Satisfaction Study, with a score eight points above the industry average. 

Digital Service and Shopping Experience

While Erie earned a third-place ranking in J.D. Power’s 2020 Insurance Digital Experience Study (shopping category), it fell to 15th out of 22 companies in that same category in the 2021 study, meaning that its online shopping experience may not be as good as it used to be. However, its third-place ranking in the J.D. Power 2021 Insurance Shopping Study means that you should have a positive experience purchasing your policy over the phone. 

Erie also ranked second-to-last for overall customer satisfaction in the Digital Experience Study, showing that its digital customer self-service solutions are in dire need of improvement. You may find yourself reaching out to an agent for help and policy management more often than you would with other insurers. 

Financial Stability

AM Best is an independent rating agency specializing in assessing the financial strength of insurance companies. It gave all of Erie’s car insurance groups an A+ rating, indicating Erie has a superior ability to meet ongoing financial operations like paying out claims.  

Other Insurance Provided by Erie

Erie’s other insurance products include: 

  • Motorcycle, RV, and boat insurance 
  • Collector and classic car coverage
  • ATV, snowmobile, golf cart, off-road motorcycle, trail bike, and moped insurance
  • Home and property insurance
  • Life and health insurance
  • Personal and business coverage

Compare Other Car Insurance Reviews

An Erie auto policy may not be right for everyone. It’s essential to compare quotes from other providers to ensure your policy fits your needs and budget. Like Erie, these other insurers also offer an array of coverages:

Final Verdict

You may find that Erie car insurance is a good option if you:

  • Want a standard policy that’s more all-inclusive
  • Live in a state where it’s available

But you may want to consider an alternative provider if:

  • You like to purchase and manage your policy digitally, including filing a claim
  • You want to enroll in a telematics program so that more of your premium is based on how you drive rather than demographics


The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds.” Accessed Oct. 10, 2021. 

  2. J.D. Power. “Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds.” Accessed Oct. 10, 2021. 

  3. J.D. Power. “Property & Casualty Insurers Stuck at Providing Only 'Good Enough' Digital User Experience, J.D. Power Finds.” Accessed Oct. 10, 2021. 

  4. J.D. Power. “Auto Insurance Shopping Surged During Pandemic in 2020 But Little Brand Differentiation Apparent, J.D. Power Finds.” Accessed Oct. 10, 2021.

  5. AM Best. "AM Best Affirms Credit Ratings of Members of Erie Insurance Group and Erie Family Life Insurance Company." Accessed Oct. 10, 2021.