R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She holds a personal lines insurance license in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She holds a personal lines insurance license in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
3.9
Rating: 3.9 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.1 stars out of 5
4.1
Cost & ratings
Rating: 4.33 stars out of 5
4.3
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 4.17 stars out of 5
4.2
Home
Rating: 4.3 stars out of 5
4.3
Cost & ratings
Rating: 4.4 stars out of 5
4.4
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4 stars out of 5
4.0
Life
Rating: 3.3 stars out of 5
3.3
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 1.5 stars out of 5
1.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
If you live in Erie’s 12-state coverage region or Washington, D.C., it’s worth checking out personalized rates from Erie for auto, home or life insurance. Erie boasts consistently high customer satisfaction per J.D. Power for both auto and home insurance and offers a wide range of coverage and discount opportunities.
Erie Rate Lock could prevent auto premium increases
Pet coverage and diminishing deductibles available
Offers guaranteed replacement cost coverage for home insurance
Auto
Avg. annual premium for full coverage
$2,206
Avg. annual premium for min coverage
$728
Home
Avg. annual premium for $300k dwelling coverage
$1,728
Erie car insurance review
Based in Erie, Pennsylvania since 1925, Erie Insurance serves 12 Northeast, Midwest and Southern states, along with Washington, D.C. Erie’s auto insurance product has a Bankrate Score of 4.1 out of 5.0. This score reflects the insurer’s broad coverage options, superior financial strength and highly rated customer satisfaction. In contrast, limited regional availability and mixed reviews for its digital tools also affect Erie’s overall Bankrate Score.
In addition to standard coverage options like liability insurance, comprehensive coverage and collision coverage, Erie offers some policy customization options that aren’t found everywhere: pet injury coverage, windshield repair, travel expense coverage, accident forgiveness and diminishing deductibles. They offer a telematics program called YourTurn that rewards safe driving and a Rate Lock feature (known as RateProtect in New York) that can prevent future premium increases unless drivers make significant policy changes.
Pros and cons of Erie car insurance
Erie's coverage options and customer satisfaction scores make it one of the best car insurance companies in states where it writes policies. Comparing pros and cons of Erie auto insurance may help you decide if the company could be a good fit for your needs.
Pros
Above-average J.D. Power Scores for customer and claim satisfaction
Erie Rate Lock may help keep rates stable over time
Full coverage policies automatically include pet injury coverage and travel expenses
Cons
Limited state availability
Can’t file a claim through the mobile app
Erie car insurance cost
Based on our analysis of average premiums from Quadrant Information Services, Erie is one of the cheapest car insurance companies for drivers with clean records. Erie’s full coverage car insurance costs an average of $2,206 per year, while minimum coverage averages $728 per year.
Comparatively, the national average cost of car insurance for both coverage levels is higher, at $2,692 per year for full coverage and $808 per year for minimum coverage. Actual rates may vary based on several factors specific to you and your vehicle, but the premium data below can be a useful comparison tool.
How much is Erie car insurance?
While Erie car insurance premiums are typically well below the national average for drivers with clean records, your credit-based insurance score and driving record could impact what you pay. The table below shows average premium data provided by Quadrant Information Services for a variety of risk profiles. Keep in mind that not all insurers will write policies for drivers with a DUI conviction. If this is your situation, Erie and other insurance companies may choose to deny coverage.
Age is a rating factor in every state where Erie offers auto insurance. Teens and newly licensed drivers are at a much higher risk of causing car crashes due to a lack of driving experience. Drivers under the age of 25 are also statistically more likely to engage in distracted driving or speeding and are less likely to wear a seat belt. These risk factors are reflected in higher premiums.
However, Erie offers opportunities for teens to find cheap car insurance with good student and driver training discounts. Teens and other young drivers may also save money by remaining on their parents' auto insurance policy until they move out on their own. The following average premiums are based on a motorist on their parents' policy with a clean driving record, as well as drivers listed on their own policies. It’s also important to note that minor teens cannot buy their own policies without the consent of a parent or guardian.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Every insurance company prices auto coverage differently, and those pricing differences are subject to change as underwriting practices shift. That’s why comparison shopping is so important for consumers — comparing rates allows you to find the best fit with your insurance needs and risk profile.
In our analysis of average premium data, we found that Erie’s average rates for full coverage were comparable to other small regional carriers but lower than most major national insurers. In the case of state minimum coverage, Erie’s rates are closer to the middle of the pack, but still well below many larger competitors.
Evaluating how well an insurance carrier meets the needs of its policyholders can be difficult. To help get a better picture, we look at third-party ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC). J.D. Power conducts regular studies of customer satisfaction and auto claims satisfaction for insurers across the U.S., rating each carrier on a 1,000-point scale. The NAIC tracks customer complaints for each insurer and compares the rate of complaints to the carrier’s size, issuing a complaint index score with an industry baseline of 1.00.
In ratings from both organizations, Erie shows a consistent record of excellent customer service, with the highest J.D. Power customer satisfaction score in multiple regions and a complaint rate below the industry average for its size.
Erie auto claims satisfaction
Erie earns high customer satisfaction scores in the regions where it writes policies. In the J.D. Power 2024 U.S. Auto Insurance Study, Erie Insurance ranks at the very top for the Mid-Atlantic and North Central regions. It doesn’t rank quite as well in the Southeast region, earning a fifth-place ranking, but the company’s score is still above the region’s average score. When it comes to how happy policyholders are specifically with the claims process, Erie Insurance ranks third overall in the 2024 U.S. Auto Claims Satisfaction Study.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 733.
End of interactive chart.
Erie auto insurance customer complaints
Erie’s NAIC Complaint Indexes for private passenger auto insurance have fluctuated over the past three years. In 2024, Erie’s index was 0.68, which is lower than average and represents an improvement over its 2023 score of 0.77. However, both its 2023 and 2024 indexes are higher than 2022’s (0.53).
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.53 to 0.77.
End of interactive chart.
Erie car insurance discounts
Taking advantage of discounts may help drivers save money on car insurance. Erie offers numerous discounts and incentives that may help reduce your car insurance premium:
Diminishing deductible: With this option — while not a discount — your deductible may be reduced by $100 for each claim-free policy year, up to a $500 maximum. This feature is only available to policyholders who purchase the Auto Plus endorsement, and its availability may vary by state.
Bundling and multi-policy discount: Erie may extend both bundling and multi-policy discounts to policyholders who carry more than one insurance policy with the company.
Vehicle storage discount: If you plan to store your insured vehicle for 90 days or more, Erie may be able to reduce your premium to reflect limited usage (not available in Kentucky).
Paid-in-full discount: Erie may extend a discount to policyholders who pay their annual car insurance premium in one lump sum, rather than monthly installments.
Erie Rate Lock: In states where it’s available, this endorsement freezes your auto insurance premium year after year so that your rate can only increase if you add or remove a driver or vehicle or change the address where your car is garaged.
Youthful driver discounts: Drivers under 21 could earn multiple discounts from Erie, either for spending multiple consecutive years on another Erie policy or for completing an approved driver training course.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Erie
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Erie home insurance review
Erie’s home insurance earned a Bankrate Score of 4.3 out of 5 based on an assessment of its strengths — stellar customer service, robust yet affordable coverage and strong financial strength ratings — and weaknesses — poor digital capabilities and limited regional accessibility. Overall, Erie’s high customer satisfaction scores from J.D. Power and overall cheap home insurance rates make it a strong choice for many homeowners in the areas where it’s available.
Guaranteed replacement cost coverage is a standard part of Erie homeowners policies, and flood insurance is available as an optional endorsement. Other features of an Erie standard homeowners policy include extended coverage for animals, birds and fish and more extensive personal property coverage, including coverage for valuables.
Pros and cons of Erie homeowners insurance
If you're considering Erie for your homeowners insurance needs, it may be helpful to compare perks and drawbacks you may experience with the carrier. Here are a few of the key pros and cons Bankrate's editorial team identified:
Pros
Guaranteed dwelling replacement cost coverage is standard on Erie homeowners policies
Ranked fourth in J.D. Power's 2024 U.S. Home Insurance Study
Standard home insurance policies include up to $500 in pet coverage
Cons
Limited discount opportunities
Few optional coverages available
Not available in all states
Erie home insurance cost
Affordability extends to Erie’s homeowners insurance, which is $1,728 per year for $300K in coverage. This is 26 percent less than the national average cost of homeowners insurance of $2,329 per year for the same amount of dwelling coverage.
$150K dwelling
Erie average premium
$1,188
National average premium
$1,437
$300K dwelling
Erie average premium
$1,728
National average premium
$2,329
$350K dwelling
Erie average premium
$1,932
National average premium
$2,600
$450K dwelling
Erie average premium
$2,392
National average premium
$3,141
$750K dwelling
Erie average premium
$3,525
National average premium
$4,437
Compare Erie homeowners insurance rates
Because each home insurance company prices policies differently, some homeowners may find the cheapest rates with Erie, while others might find better deals with another company. Comparison shopping is the only way to determine which carrier is best for your individual profile, but the average rates below from Quadrant Information Services provide a basis for comparison.
Third-party ratings from expert organizations can offer insight into how well home insurance companies meet their customers’ needs. In the case of Erie’s home insurance offerings, we looked to the J.D. Power 2025 U.S. Property Claims Satisfaction Study and the NAIC Complaint Index to get a feel for customer satisfaction.
Erie homeowners claims satisfaction
In 2024, Erie fell from the top spot in the J.D. Power U.S. Property Claims Satisfaction Study, ranking third behind Amica and AIG. This year, the company slid to seventh place. However, Erie still earned a score above the industry average. In the J.D. Power 2024 U.S. Home Insurance Study, the company ranked fourth.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 705 to 869.
End of interactive chart.
Erie home insurance customer complaints
Erie's homeowners complaint index has remained below the industry benchmark of 1.00 for the past three years. In 2024, its index was 0.45, or half the average number of complaints for a company of its size.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.38 to 0.52.
End of interactive chart.
Erie home insurance discounts
Home insurance companies typically offer discounts that may help you save on your premium. Advertised home insurance discounts with Erie include:
Safety features discount: You may earn a discount if your home is equipped with safety features like smoke alarms, security systems and an automatic sprinkler system.
Advanced quote discount: Obtain an Erie homeowners insurance quote seven to 60 days before your current policy’s renewal date and you might earn a discount.
Multi-policy discounts: Bundling your auto or life insurance policy with your home insurance can potentially translate into savings.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Erie
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Erie life insurance review
Erie offers four life insurance products: term life, whole life, universal life and Erie’s exclusive ERIExpress Life. Erie’s term life insurance may be a good option for those who want a fixed coverage term and intend for the policy to pay for expenses that may be burdensome to loved ones, such as funeral costs and mortgage or credit card debt.
Whole life and universal life have no fixed terms, but universal life offers the most flexible death benefit. Erie’s unique ERIExpress Life policy may be ideal for people looking for a life insurance quote with a simplified application and fast approval. For customers who aren’t sure what they’re looking for in a life insurance policy, Erie’s website offers a life insurance calculator planning tool designed to help individuals estimate the type and amount of coverage they need.
Pros and cons of Erie life insurance
Pros
Multi-policy discounts available for policyholders with a life and home or auto policy
ERIExpress may be available without a medical exam
Variety of policy types to choose from
Cons
Only one rider advertised to customize coverage
Online quoting is not available
Only writes policies in 12 states and the District of Columbia
Erie life insurance riders
The best life insurance company may be different for everyone, and each policy type serves a different purpose. Life insurance riders may modify and extend your life insurance coverage, as well as impact the cost of life insurance.
Erie's life insurance coverage only offers one rider:
Long-term care (LTC) accelerated death benefit rider: Only available for certain universal and whole life policies, this rider allows policyholders to use a portion of the policy’s death benefit to help pay for long-term medical expenses. If a licensed health professional confirms that the policyholder is unable to perform at least two functions of daily living independently — such as eating, bathing or using the bathroom — the benefit can kick in.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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Erie offers a variety of auto, home and life insurance products, but it does not write policies in all states. Comparing car insurance rates and other insurance products between different companies can help you find the best price. If you live outside Erie’s service area or need an insurer that offers a more diverse portfolio of products, take a look at these comparisons and consider getting an online car insurance or home insurance quote from one of the following carriers.
Featured
Erie
Rating: 4.2 stars out of 5
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Only available in 12 states and Washington, D.C., Erie provides affordable rates for auto and home insurance, with coverage options beyond the industry standard.
Allstate earned the 2025 Bankrate Award for Best for First-Time Homeowners and may be a great fit for anyone outside of Erie’s coverage network who is seeking multiple types of insurance.
A wider geographic range and more home insurance endorsements than Erie could give Travelers an advantage for some customers who prefer to manage their auto and home insurance in one place.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Erie a good insurance company?
Overall, Erie is among the highest-rated home and auto insurance companies in the states it serves, based on average premium data, third-party ratings and a review of the company’s options for coverage, endorsements and discounts. It may also be a good choice for life insurance if you prefer to manage all your policies in one place. High marks in J.D. Power customer and claims satisfaction studies, along with a low rate of customer complaints for both home and auto insurance, set Erie apart in an industry that frequently generates frustration for consumers.
For both auto and home insurance, Erie’s standard offerings go a step beyond the industry standard with built-in auto glass repair and pet coverage for full coverage auto insurance and guaranteed replacement cost coverage for home insurance. These little extras, combined with average rates that are below the industry average, could make a big difference for policyholders. However, Bankrate’s Erie Insurance review revealed drawbacks like lackluster mobile tools — you can’t file a claim through the company’s app — and reported difficulties from some applicants in getting coverage.
If you prefer to handle all your insurance business via an app, Erie may not be the best fit. But if you’re comfortable working through a local agent and taking a more old-school approach to claims and communication with your insurer, it’s worth getting a quote from Erie if they offer coverage in your area.
What are real-life customers saying about Erie?
Third-party ratings and premium data can give an overview of an insurance company’s success in serving customers, but in practice, insurance is more complicated. User experiences can vary significantly depending on individual circumstances, risk profiles, budgets and more. That’s why Bankrate dug up reviews from actual customers who have policies with Erie.
Reddit
Reddit users have compared notes on Erie Insurance in a wide range of communities, from forums focused on auto, home and life insurance to regional subreddits seeking local advice. Many of those commenting on their Erie experience reported being with the company for many years. Many users said their claims experience was smooth and their rates low.
Reddit user review
Great rates but… one claim and expect a non-renewal
"In NY they have OEM Parts guarantee for their auto policies, I had them and had one not at fault claim and it got sent to SIU, then promptly paid after I did their interview. Figured I'd get a non-renewal and did and just went back to a major carrier.
Tl;dr , great rates but me and others have noticed one claim and expect a non-renewal."
"We have auto, home, and life with them. Very happy with both the company and our rep. Their office is always quick and helpful. The company has been responsive and unargumentative whenever I've had to file a claim. They even let me suggest places to find a comparable vehicle to them after I totaled my used police car. The rates are good."
On Bogleheads.org, a forum dedicated to investing and personal finance advice, users discussed Erie’s merits and drawbacks compared to other insurers, particularly in the home insurance space. Most of the commentary was positive, with a few commenters complaining of difficulty getting applications approved and others reporting significant premium increases.
Bogleheads.org user review
Auto claims
"I've had Erie auto for 30+ years and they've always been very easy to work with on auto claims. A couple of different auto body shops I've used have commented on how they allow them to do the job right and get properly compensated. I also have them for home insurance, but never made a claim."
"I've been with Erie everything for 30 years and this year had a 42% increase on the home. I shopped around and found a couple that were overall less on combined home and auto, but I ended staying with Erie because of the excellent service that I've had all these years. I'll see what happens next year and re-evaluate."
Taken together, these Erie insurance reviews from Reddit and Bogleheads users reflect the highly personalized nature of auto, home and life insurance: the best insurance company for one policyholder could cause headaches for another customer, and rates can vary significantly depending on circumstance.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Bankrate staff insights
"Erie's online experience makes it very easy to pay my auto insurance bill. There's a clear callout on how much is due & when, that when clicked takes you to an experience where it only takes 2 clicks to make your payment. They do a good job reminding you when your bill is due, sending both an email and physical mail about a month ahead of the payment date. I pay my home insurance out of the escrow account within my mortgage provider. It seems like Erie is efficient in communicating with the mortgage provider so that when rates increase a bit (and as such the old escrow payments no longer would fully cover the cost) they adjust the monthly escrow payment quickly to accommodate."
—BRAYDEN SIMS, SENIOR DIRECTOR OF SEO AND ERIE CUSTOMER FOR FOUR YEARS
Erie company details
To get in contact with Erie, you can use the main customer service number for most inquiries. If you need to make a claim or summon roadside assistance, Erie has dedicated numbers for these tasks.
Glass claims: 1-800-552-3743, via mobile app or online
Roadside assistance: 1-888-367-3743 or file online
State availability
Erie writes car and home insurance policies in Washington, D.C. and the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie also sells life insurance in Washington, D.C. and all of the aforementioned states, except New York.
Erie tools and benefits
Life insurance calculator: Erie provides a life insurance calculator on its website to help customers decide which type of policy may best fit their needs. From there, customers can ask to be paired with an independent Erie agent to get a quote.
Business insurance products: Erie also offers business insurance, including business automobile insurance. Business policies may protect a variety of businesses, including breweries, contractors, religious organizations, retailers and veterinarians.
Financial services: Erie offers Medicare supplemental coverage (Medigap) and retirement accounts, including annuities and individual retirement accounts (IRAs).
Renters, condo and mobile home insurance: Erie offers a variety of insurance policies for other dwellings and living situations.
Flood insurance: Homeowners who live in a flood zone or anywhere that experiences occasional flooding may want to consider flood insurance since flooding is not included in a standard home insurance policy. Erie sells flood insurance backed by a federally funded flood carrier, American Bankers Insurance Company.
Personal valuables insurance: This coverage may be purchased to financially protect jewelry, art, sports equipment, collections, musical instruments and more.
Frequently asked questions about Erie
Erie gives auto and home insurance policyholders two ways to file a claim by phone. They can contact their Erie agent or call the 24/7 claims center at 800-367-3743. Life insurance customers can file a claim by contacting their Erie agent or by calling 800-458-0811. However, Erie’s mobile app does not allow users to file a claim digitally.
Through The Giving Network, Erie and its employees volunteer time and money with organizations focused on community building, environmental responsibility and safety. These initiatives include partnering with United Way and the American Red Cross, as well as supporting other culture and arts organizations, entrepreneurship, education and environmental responsibility. In 2022, The Giving Network supported 878 charities and matched 38,000 gifts from employees.
Erie is considered a super-regional insurer with coverage spanning 12 states and Washington D.C. Erie offers auto and home insurance in the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie also offers affordable life insurance in all of these states except New York.
Yes, Erie is ranked 376th on the 2025 Fortune 500 list of the largest American companies. This is the 22nd year in a row that Erie has held a place on this list.
Erie offers bundling discounts for almost all of its policies. The most popular bundles are auto and home insurance or auto and renters insurance, which can save customers up to 25 percent, depending on the state. You can also have different types of insurance bundles. Policyholders who have an auto policy with Erie may be able to bundle motorcycle, condo, umbrella or life insurance policies together.
The Erie Insurance controversy revolves around allegations by Baltimore-area insurance agencies that Erie engaged in discriminatory practices that barred drivers whose applications would otherwise have been accepted on the basis of their socioeconomic status or neighborhood. The Maryland Insurance Administration investigated these claims in 2023 and found them credible, but Erie has denied the allegations and sued the administration.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
40% Ratings
40% Ratings
40% Coverage
40% Coverage
20% Accessibility
20% Accessibility
Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Erie
Erie has 49 reviews
Dive into community reviews below and see what others think about Erie.
4.4
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
94% of consumers recommend this insurer
Score breakdown
5 stars
55%
4 stars
39%
3 stars
2%
2 stars
0%
1 star
4%
Score by category
Overall rating4.4 / 5
Original cost4.0 / 5
Coverage4.5 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Erie.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is the best insurance company. Customer service is excellent. We have had Erie Insurance for many years
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Erie insurance is a local hands on company that provides everything I want in a home insurance. They are excellent with service and reliable. I just wish they had lower car insurance rates
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Recommended by other local people. I don’t see any difference from other insurers. I like having a local office and agent.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their customer support is good. Prices are ok as long as you don’t have any accidents even when they are not your fault
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their support team is always friendly.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good premium and coverage. You still get to talk to people!
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They were recommended by our realtor and we were new to the area. We could bundle our policies and that was desirable. Don't know that they are the lowest cost, but easy to deal with.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I am definitely going to be switching. I have had zero accidents no speeding tickets. No infractions for over 20 years and every year my policy goes up. I just got my new policy and it jumped 548 for the year. Time to find someone new
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Would stay for the reasonable price. Would leave for poor claims responce.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She holds a personal lines insurance license in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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