Erie Insurance Review for 2025 (See Ratings & Cost Here!)
Our Erie insurance review highlights why it’s an affordable option for most customers. It offers a 25% bundling discount and low-cost auto insurance for $32 a month. Erie also provides life insurance with no medical exam. Currently, Erie Insurance is only available for purchase in 12 states.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: May 7, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 7, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Erie
Monthly Rate:
$30A.M. Best Rating:
A+Complaint Level:
LowPros
- Low auto insurance rates for low-risk drivers
- Home and auto insurance can be bundled for a 25% discount
- Offers whole and term life insurance options
Cons
- Only available in 12 states
- High-risk customers may be rejected
Our Erie insurance review found that it consistently offers the cheapest car insurance, even for young drivers purchasing their own policy, as well as affordable home insurance.
Erie Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 4.5 |
| Claims Processing | 4.3 |
| Company Reputation | 4.5 |
| Coverage Availability | 3.5 |
| Coverage Value | 4.6 |
| Customer Satisfaction | 2.2 |
| Digital Experience | 4.0 |
| Discounts Available | 4.7 |
| Insurance Cost | 4.7 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.7 |
Drivers with clean records who bundle home and auto insurance will get the most value from Erie Insurance, but it may not be the right fit for everyone.
Currently, Erie is only available in 12 states and may deny coverage to high-risk customers to help keep its rates affordable. Our Erie review covers everything you need to know about getting coverage with Erie.
- Erie has some of the lowest insurance rates on the market
- Erie Insurance is available to purchase in only 12 states
- Home and auto insurance can be bundled for a 25% discount
Even if Erie Insurance sounds like a great match, it’s smart to compare multiple insurance quotes before choosing a company to ensure you’re getting the best coverage and rates. Enter your ZIP in our free quote tool to get started.
Erie Auto Insurance
Erie auto insurance rates are generally affordable for customers, which is why it’s such a popular choice. Take a look at Erie’s average rates by age, gender, and coverage level below.
Erie Auto Insurance Monthly Rates by Age, Gender, & Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $121 | $311 |
| 16-Year-Old Male | $136 | $332 |
| 18-Year-Old Female | $99 | $229 |
| 18-Year-Old Male | $116 | $270 |
| 25-Year-Old Female | $37 | $97 |
| 25-Year-Old Male | $38 | $101 |
| 30-Year-Old Female | $34 | $90 |
| 30-Year-Old Male | $35 | $94 |
| 45-Year-Old Female | $32 | $84 |
| 45-Year-Old Male | $32 | $83 |
| 60-Year-Old Female | $30 | $76 |
| 60-Year-Old Male | $31 | $78 |
| 65-Year-Old Female | $31 | $82 |
| 65-Year-Old Male | $31 | $82 |
Erie is affordable for young drivers, despite the fact that they often pay the highest rates. Rates will be even more affordable if a teen joins an existing Erie Insurance policy, such as their parents.
If you have a poor driving record, you will see an increase in your rates at Erie Insurance, as shown in the graphic below.
A DUI will raise rates the most at Erie Insurance, which is the norm in the auto insurance industry (Learn More: Best Auto Insurance for Good Drivers).
Erie Auto Insurance Rates vs. The Competition
When you compare rates at Erie Insurance to other major companies, Erie consistently comes out as the cheapest for both minimum and full coverage policies.
Erie Auto Insurance Monthly Rates vs. Other Providers by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $62 | $166 |
| $32 | $83 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
Even when comparing rates by driving record, Erie remains the cheapest on average for drivers with DUIs, tickets, and accidents on their records.
Erie Auto Insurance Monthly Rates vs. Other Providers by Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $228 | $268 | $321 | $385 |
| $166 | $194 | $251 | $276 |
| $83 | $100 | $118 | $153 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $150 | $199 | $265 | $200 |
| $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
If you are looking for the most affordable company, then Erie might be your best bet. However, Erie Insurance is only sold in 12 states, so you may have to go with the next cheapest company if it’s not available in your area or Erie refuses to insure you as a high-risk driver.
Read More: What to Do When You’re Denied Insurance Coverage
Auto Insurance Coverages Available at Erie Insurance
Erie offers all of the coverages needed to meet state requirements, such as liability and MedPay coverages. Below, you can see the full list of coverages that Erie Insurance offers.
Erie Auto Insurance Coverage Options| Coverage | Description |
|---|---|
| Liability | Protects others when you're at fault |
| Collision | Covers damage from collisions with objects or vehicles |
| Comprehensive | Protects against theft or disasters |
| Personal Injury Protection (PIP) | Pays medical expenses and lost wages |
| Uninsured/Underinsured Motorist | Protects you if hit by an uninsured driver |
| Medical Payments | Covers medical expenses for you and passengers |
| Roadside Assistance | Offers towing or flat tire help |
| Rental Reimbursement | Covers rental car while yours repairs |
| Custom Parts and Equipment | Protects custom parts from damage or theft |
| Gap Insurance | Covers loan balance if totaled |
You can add on plenty of extras like gap, rental reimbursement, or collision auto insurance to your Erie Insurance policy.
Just keep in mind that the more optional coverages you add to your policy, the higher your Erie Insurance quote will be.
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Erie Home Insurance
Erie Insurance also offers home insurance coverage to customers. Take a look at how Erie’s prices compare to other popular companies.
Erie Homeowners Insurance Monthly Rates vs. Other Providers by Policy Limit| Insurance Company | $350K Coverage | $450K Coverage | $550K Coverage | $1M Coverage |
|---|---|---|---|---|
| $226 | $270 | $314 | $528 |
 | $157 | $192 | $227 | $403 |
| $156 | $190 | $225 | $403 |
| $279 | $359 | $439 | $736 |
| $101 | $130 | $173 | $143 |
 | $102 | $131 | $160 | $146 |
| $240 | $300 | $360 | $600 |
| $266 | $319 | $373 | $653 |
| $196 | $236 | $277 | $403 |
| $214 | $258 | $303 | $528 |
Erie is one of the cheapest homeowners insurance companies, but make sure to read an Erie home insurance review before signing up to ensure that it’s the right fit for you. Remember, you get a 25% discount on auto insurance if you buy home insurance from Erie Insurance as well. Some of the types of home coverage Erie Insurance offers include:
- Home Insurance: Erie Insurance offers several different home insurance coverage amounts to homeowners.
- Renters Insurance: Erie offers insurance to renters, with liability coverage, 24/7 support, and more.
- Condo Insurance: If you own a condo, you can get condominium insurance through Erie.
- Mobile Home Insurance: Erie Insurance also offers insurance for mobile homes, including double-wide, manufactured, and modular homes.
No matter what type of home you live in, Erie offers coverage. Erie Insurance also has coverage for landlords, including mechanical and electrical breakdown, sewer and drain backup, and off-premise utility interruption.
Erie Life Insurance Options
Erie also offers life insurance with ERIExpress Life. Some of the perks of Erie life insurance are that it doesn’t require a medical exam, so you can get life insurance coverage quickly. Erie offers the following types of life insurance:
- Whole Life Insurance: This type of life insurance lasts your whole life, meaning that as long as you pay your premiums, your coverage won’t lapse.
- Term Life Insurance: Term life only covers you for a set amount of time, such as ten or twenty years. It is cheaper than whole life.
- Medicare Supplement: Erie Family Life offers supplemental insurance for medicare holders.
Life insurance can be purchased in amounts ranging from $10,000 to $500,000. Erie automatically includes an accelerated death benefit rider in its whole and term life policies.
If you are considering Erie Insurance for life insurance, make sure you read an Erie life insurance review or visit our guide on the best life insurance companies to make sure you are choosing the right company for your life insurance needs.
Discounts at Erie Insurance
Erie Insurance rates can be even lower if customers apply for discounts. Some popular discounts at Erie Insurance include:
Erie Auto Insurance Discount| Discount | |
|---|---|
| Low Mileage | 30% |
| Accident-Free | 25% |
| Bundling | 25% |
| Good Driver | 23% |
| Anti-Theft | 15% |
| Good Student | 15% |
| Safe Driver | 15% |
| New Car | 12% |
| Loyalty | 10% |
| Defensive Driving | 5% |
Bundling your insurance at Erie can result in a 25% discount. You will need to purchase home or renters insurance with your auto insurance to qualify. Make sure to read an Erie homeowners review before committing to carrying all of your coverages at Erie Insurance (Read More: Best Homeowners Insurance Companies).
Another notable discount is Erie’s good student discount for young drivers under 25. It rewards students with a B average or higher with a discount on rates.
You will need to submit proof of grades to Erie Insurance in order to get the discount applied to your policy. Drivers of all ages can also earn rewards with Erie’s YourTurn, which is a usage-based app that tracks driving behaviors and offers rewards for good driving. Erie Insurance offers these rewards in the form of a prepaid Visa card or a gift card.
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Customer Reviews of Erie Insurance
There are plenty of customer reviews of Erie Insurance available online, from Erie Insurance Google reviews to Reddit reviews. Reading through customer feedback can give you an idea of potential problems with a company. Take a look at the Reddit thread below for an idea of what customers think of Erie Insurance.
I looking for comments or reviews of Erie insurance co. I’m thinking of using them
byu/Grand_Ad9007 inInsurance
Positive customer reviews say that Erie is a great, affordable company with good customer service. However, Erie Insurance complaints say that Erie dropped them after a claim, so they had to switch providers (Learn More: How to File an Auto Insurance Claim & Win It Each Time).
Erie Insurance Business Ratings
For a complete picture of Erie Insurance, it is important to also look at professional ratings of the company’s financial status, business practices, and more.
Erie Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 82/100 Positive Customer Feedback |
 | Score: 733 / 1,000 Above Avg. Satisfaction |
 | Score: 0.60 Fewer Complaints Than Avg. |
Erie Insurance Company has excellent ratings across the board. Erie Insurance reviews from the BBB resulted in an A+ rating for excellent business practices, and the company is financially stable with an A+ rating from A.M. Best.
Strong financial ratings mean that a company is financially able to fulfil its obligations to customers, such as paying claims.
Dani Best Licensed Insurance Producer
Customer service from Erie also has high ratings. Erie Insurance reviews on Consumer Reports resulted in an 82/100 rating, which is higher than average. J.D. Power also scored Erie as having higher-than-average satisfaction ratings for claims (Learn More: The Worst States for Filing an Auto Insurance Claim).
Erie Insurance Pros and Cons
We’ve covered quite a bit of information about Erie Insurance, so we want to take a moment to recap some of its pros and cons. Some of the best things about Erie Insurance include:
- Affordable Rates: Erie has consistently low rates for home and auto insurance.
- Multiple Coverage Options: Erie has multiple auto insurance, home insurance, and life insurance options.
- YourTurn Rewards: Customers who have bought auto insurance can participate in Erie’s YourTurn app and earn Visa cards or gift cards for good driving.
While the company has a lot of great things to recommend it, some of the downsides you will find about Erie Insurance are the following:
- High-Risk Customers May Be Denied: Erie’s low rates are partly due to its standard of only insuring low-risk customers. Higher-risk customers may be denied coverage at Erie.
- Not Sold in All States: Erie Insurance is only available in the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
If you are unable to get insurance with Erie Insurance, there are still plenty of other great companies on the market. We recommend shopping around for quotes to get the best deal (Learn More: How to Compare Auto Insurance Companies).
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Seeing if Erie Insurance is The Right Fit For You
Our Erie Insurance review found that one of the biggest pros of Erie Insurance is its exceptionally low rates, especially for customers bundling home and auto insurance. Erie is one of the best car insurance companies for low-risk drivers, including young drivers and students, and has several life insurance options.
However, Erie’s limited state availability and tendency to only insure low-risk customers means it may not be the best fit for everyone. If you qualify for Erie Insurance, though, its competitive pricing and strong customer satisfaction ratings make it a great choice.
To find the best insurance policy for your unique situation, it’s always smart to compare quotes online before making a final decision on a company.
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Frequently Asked Questions
Is Erie good for car insurance?
Yes, Erie has excellent ratings and low rates. It has an A+ from both A.M. Best and the BBB, as well as high customer satisfaction ratings.
Does Erie Insurance pay claims well?
Yes, J.D. Power gave Erie Indemnity Co. a score of 733 / 1,000 for customer satisfaction with claims.
What is Erie Rate Lock?
Erie’s Rate Lock guarantee means it won’t raise rates unless you make changes to your policy, such as adding a driver or car (Learn More: Car Insurance Discounts You Can’t Miss).
Why is Erie Insurance so cheap?
Wondering why is Erie so cheap? Erie’s rates start at $30 per month, which is on the cheaper side. One of the reasons that Erie Insurance has such low rates is that it is picky about who it insures. Erie’s customer base is primarily composed of low-risk customers.
What is Erie Auto Plus?
Erie Auto Plus is an optional add-on feature. Customers who add it to their policy can earn vanishing deductibles, a $10,000 death benefit, increased coverage limits, and more.
Is Erie or Progressive better?
Erie has lower rates than Progressive, with rates starting at $30 per month compared to Progressive’s $56 per month (Read More: Everything You Need to Know About Progressive® Insurance).
Where does Erie Insurance rank?
Erie Insurance is one of the best-ranked insurance companies, with an A+ from A.M. Best and fewer complaints than average according to the NAIC. However, Erie’s limited state availability means that it may not be available to buy in your state.
Is Erie or Geico better?
Erie’s rates are lower than Geico’s, as Geico rates start at $43 per month compared to Erie’s $30 per month. However, Geico is available across the U.S., whereas Erie is only sold in 12 states.
If Erie Insurance isn’t available in your area, Geico is a great second choice. Find the cheapest provider in your area today by entering your ZIP in our free quote tool.
Is Erie Insurance better than Allstate?
Erie Insurance is cheaper than Allstate, whose rates start at $87 per month. However, Allstate does insure more high-risk drivers, which Erie Insurance may reject. You can learn more about Allstate in our Allstate auto insurance review.
Is Erie cheaper than State Farm?
Yes, Erie Insurance is cheaper than State Farm. Erie’s rates start at $30 per month, whereas State Farm’s rates start at $47 per month.
What is ERIExpress Life?
ERIExpress Life is Erie’s quick life insurance coverage that offers life insurance without a medical exam. You can choose between whole or term life insurance policies with ERIExpress Life.
How much does Erie home insurance cost?
Erie home insurance rates start at $156 per month.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
