Erie Insurance Review: Cost, Coverage, & Ratings (2026)
Our Erie insurance review found that it is the most affordable option among its competitors, with auto insurance rates starting at $32 per month and a bundling discount of up to 25%. Erie also offers life and home insurance. Currently, Erie Insurance is available in 12 states.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Alexandra Arcand
Senior Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
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...
Brandon Frady
Updated June 2026
Our Erie insurance review found that the company consistently offers the cheapest car insurance rates starting at $384 annually.
- Erie has an above-average customer satisfaction score from J.D. Power
- The company also offers life insurance with no medical exam
- Monthly home insurance rates from Erie start at $169
Erie also offers affordable home and life insurance. Drivers with clean records who bundle Erie’s home and auto insurance will get the most value, but the company may not be the right fit for everyone.
Currently, it is only available in 12 states and may deny coverage to high-risk customers to help keep its rates affordable.
Erie 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 |
Our Erie review covers everything you need to know about getting coverage and discounts. Even if Erie 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 code in our free quote comparison tool to get a quote from Erie.
Car Insurance With Erie
Erie Insurance offers all the coverages required by state law, including liability and MedPay. Erie auto insurance rates are generally affordable, which is why it’s such a popular choice. You can add on plenty of extras like gap, rental reimbursement, or collision auto insurance to your Erie Insurance policy.
Erie Auto Insurance Coverage Options| Coverage | What it Covers |
|---|---|
| Collision Coverage | Car damage from covered crashes |
| Comprehensive Coverage | Car damage from theft/weather |
| Custom Parts Coverage | Aftermarket car parts damage |
| Gap Coverage | Loan balance after a total loss |
| Liability Coverage | Injuries or damage to others |
| Medical Payments | Medical or funeral costs |
| Personal Injury Protection | Medical bills and lost wages |
| Rental Reimbursement | Rental car costs during repairs |
| Roadside Assistance | Towing and roadside help |
| UI/UIM Coverage | Costs from uninsured drivers |
While exact coverage availability can vary by state and policy, Erie provides many of the standard protections drivers expect in an auto insurance policy.
- Collision: Pays to repair or replace your vehicle if it is damaged in a crash with another car or object.
- Comprehensive: Covers non-collision damage to your vehicle, such as theft, vandalism, fire, or weather-related damage.
- Liability: Pays for injuries or property damage you cause to others in an at-fault accident.
- Medical Payments: Pays for medical expenses for you or your passengers after a covered accident, regardless of fault.
- Personal Injury Protection: Covers medical bills, lost wages, and related expenses after an accident, depending on state availability.
- Uninsured/Underinsured Motorist: Protects you if you are hit by a driver who has no insurance or not enough coverage.
Just keep in mind that the more optional coverages you add to your policy, the higher your Erie auto insurance quote will be. Extras like emergency roadside service and rental car expense coverage can all increase your monthly premium. Take a look at Erie’s average car insurance rates by age, gender, coverage level, and driving record.
Minimum vs. Full Coverage Car Insurance Cost
When you compare car insurance quotes from Erie to those of other major companies, Erie is the cheapest for both minimum and full coverage. If you only need the minimum amount of insurance required by your state, you may still benefit from their competitive rates. If you want full protection, you can often get higher coverage at a lower rate.
Erie vs. Competitors: Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $32 | $83 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
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 if the company refuses to insure you as a high-risk driver.
Read More: What to Do When You’re Denied Insurance Coverage
How Demographics Impact What You Pay for Auto Coverage
Erie auto insurance reviews reveal that it’s an affordable option for young drivers, even though they often pay higher rates due to their limited driving experience and greater likelihood of filing claims. Rates will be even more affordable if a teen joins an existing Erie Insurance policy, such as their parents’.
How Driving History Affects Car Insurance Premiums
Even when rates are broken down by driving record, Erie remains the cheapest insurer on average for drivers with DUIs, tickets, or accidents. According to our comparison, Erie has the lowest monthly premium: $83 for drivers with a clean record, $100 after one ticket, $118 after one accident, and $153 after one DUI.
Erie vs. Competitors: Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $83 | $100 | $118 | $153 |
| $228 | $268 | $321 | $385 |
| $166 | $194 | $251 | $276 |
| $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 |
Although insurers generally raise rates for drivers with violations, Erie’s car insurance premiums remain significantly lower than those of most competitors. Driving history can significantly increase your auto insurance rates. A ticket, an accident, or a DUI will almost always increase coverage costs.
Erie’s DUI insurance rates are the highest, as it is the most serious driving violation. It carries a much higher risk of future accidents, costly claims, and dangerous driving behavior. However, Erie shows that drivers with poor records can still find relatively affordable rates if they choose the right company.
If you have a clean driving record, our guide to the “Best Auto Insurance for Good Drivers” can help you compare top providers.
The Impact of Credit History on Car Insurance Costs
If you have a good credit score, it could help you qualify for lower car insurance rates with Erie. Like many insurers, Erie may consider your credit history when setting premiums. Drivers with a high credit score often have a better chance of paying less. This is because insurers generally view higher credit scores as a sign of lower risk.
Generally, a credit score of 700 or higher can make it easier to get cheaper car insurance rates. It is also important to keep in mind that even with a clean driving record, poor credit can still lead to higher insurance costs. So, your credit history can play a major role in what you pay for car insurance, alongside factors like age, location, and coverage level.
Erie vs. Competitors: Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $52 | $64 | $85 | $122 |
| $55 | $67 | $89 | $128 |
 | $62 | $76 | $101 | $145 |
| $66 | $82 | $109 | $157 |
| $49 | $61 | $84 | $125 |
| $72 | $89 | $119 | $168 |
| $57 | $71 | $95 | $136 |
| $54 | $68 | $93 | $140 |
| $47 | $59 | $81 | $147 |
| $63 | $78 | $104 | $149 |
Erie automobile insurance rates are relatively affordable across every credit tier. For drivers with excellent credit, Erie’s average monthly rate is $52, which is cheaper than most major competitors. Only State Farm ($47) and Geico ($49) are cheaper. Erie also remains competitive for drivers with poor credit, charging $122 per month.
Ways to Save Money on Erie Car Insurance
Erie Insurance rates can be even lower if customers apply for discounts. Taking advantage of available discounts is one of the easiest ways to reduce the overall cost of coverage without lowering your policy limits. Combining multiple discounts can lead to even greater savings over time. Some car insurance discounts you can’t miss include:
Top Auto Insurance Discounts Offered by Erie| Discount |  |
|---|---|
| Accident-Free | 25% |
| Anti-Theft | 15% |
| Defensive Driving | 5% |
| Good Driver | 23% |
| Good Student | 15% |
| Loyalty | 10% |
| Low Mileage | 30% |
| New Car | 12% |
| Safe Driver | 15% |
One notable discount is the Erie Insurance good student discount for young drivers under 25. This discount rewards students who maintain a B average or higher, helping younger policyholders offset the high rates that often accompany being a new or inexperienced driver.
You will need to submit proof of your grades to Erie Insurance for the discount to be applied to your policy. Drivers of all ages can also earn rewards with Erie’s YourTurn, a usage-based app that tracks driving behavior and rewards good driving. Erie Insurance offers these rewards as prepaid Visa cards or gift cards.
Motorcycle Insurance
Erie offers motorcycle insurance directly through its coverage lineup, though policies are typically sold through local agents rather than purchased entirely online. Erie’s motorcycle coverage can include protection for accessories, custom equipment, riding gear, and safety apparel.
Erie vs. Competitors: Motorcycle Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $18 | $46 |
| $24 | $58 |
| $21 | $52 |
| $27 | $64 |
| $22 | $54 |
| $29 | $69 |
| $25 | $61 |
| $16 | $39 |
| $20 | $49 |
| $28 | $66 |
Erie’s minimum coverage rate is $18 per month, making it the second-cheapest option after Progressive at $16 per month. Erie also has affordable full coverage, with an average monthly rate of $46. This again places Erie second only to Progressive, which has the lowest full coverage rate at $39 per month.
Boat & Yacht Insurance
Erie’s boat insurance may be available for sailboats, powerboats, houseboats, and inboard or outboard motorboats, as well as personal watercraft. Boat coverage may be available through a homeowners policy, while other situations may require a separate boat insurance policy. Customers work with a local agent to review coverage options and get a quote.
Erie vs. Competitors: Boat Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $21 | $52 |
| $27 | $63 |
| $24 | $58 |
| $30 | $71 |
| $25 | $60 |
| $33 | $78 |
| $28 | $67 |
| $18 | $45 |
| $23 | $55 |
| $31 | $74 |
Erie and Progressive are the most affordable boat insurance providers. Minimum coverage from Erie costs $21 per month, making it the second-cheapest option after Progressive at $18 per month. Erie also ranks near the top for full coverage, with an average monthly rate of $52. Progressive again has the lowest monthly rate at $45.
RV Insurance
RV insurance from Erie can help protect recreational vehicles such as motorhomes, campers, travel trailers, and other camping vehicles against covered risks, including accidents, theft, fire, weather damage, vandalism, and liability claims. Customers typically work with a local agent to review eligibility, coverage options, and state-specific requirements.
Erie vs. Competitors: RV Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $39 | $108 |
| $48 | $132 |
| $43 | $119 |
| $53 | $146 |
| $45 | $124 |
| $57 | $158 |
| $50 | $139 |
| $36 | $97 |
| $41 | $113 |
| $55 | $151 |
With minimum coverage starting at $39 per month, Erie is the second-cheapest option after Progressive at $36 per month. Overall, Erie’s RV insurance rates appear competitive, about 16% lower than the national average.
Home Insurance With Erie
Erie also offers homeowners insurance coverage, making it a solid choice for people who want to bundle their auto or life insurance or work with one company for multiple coverage needs. This flexibility makes policy management easier while also enabling additional savings. Some of the types of home coverage Erie Insurance offers include:
Erie Home Insurance Coverage Options| Protection | What it Covers |
|---|---|
| Dwelling Protection | Rebuilding home after damage |
| Equipment Breakdown | Repairs covered home systems |
| Identity Recovery | Restores identity theft losses |
| Liability Protection | Pays liability claim costs |
| Loss of Use | Funds temporary living expenses |
| Medical Payments | Pays guest medical expenses |
| Other Structures | Protects sheds, garages, & fences |
| Personal Belongings | Replaces furniture and electronics |
| Replacement Cost | Pays full rebuilding costs |
| Scheduled Valuable Items | Protects high-value belongings |
| Sewer and Drain Backup | Repairs backup water damage |
| Service Line Protection | Repairs underground service lines |
| Theft and Vandalism | Reimburses stolen or damaged items |
| Weather-Related Damage | Protects against storm damage |
While exact coverage may vary by policy and state, Erie offers many of the standard protections homeowners typically look for. Working with a local agent can help homeowners decide which coverages are essential and which optional protections are worth adding.
- Dwelling Protection: Pays to rebuild or repair the home after damage from covered events, such as fire, wind, hail, etc.
- Liability Protection: Pays legal fees, settlements, or medical costs if someone is injured on the property or the homeowner is found responsible for damaging someone else’s property.
- Loss of Use: Covers temporary living expenses, such as hotel stays or meals, if the home becomes uninhabitable after a covered claim.
- Medical Payments: Pays small medical expenses if a guest is injured on the property, regardless of fault.
- Other Structures: Covers detached structures on the property, such as sheds, garages, fences, or gazebos.
- Personal Belongings: Helps replace or repair personal items, such as furniture, electronics, clothing, and appliances.
No matter what type of home you live in, Erie offers coverage for a wide range of property types. It also has coverage for landlords, including mechanical and electrical breakdown, sewer and drain backup, and off-premise utility interruption.
This broad selection makes Erie Insurance a flexible choice for homeowners who want protection tailored to their property type.
How Home Insurance Premiums Change by Coverage
Home insurance rates generally increase with higher dwelling coverage limits, as insurers assume greater financial risk when they agree to cover a higher-value home. Even so, Erie remains one of the more affordable options across every coverage level we reviewed.
Take a look at how Erie’s home insurance prices compare to those of other popular companies.
Erie vs. Competitors: Home Insurance Monthly Rates by Coverage| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $169 | $199 | $239 | $281 |
| $192 | $226 | $271 | $318 |
| $181 | $214 | $256 | $301 |
| $204 | $241 | $289 | $339 |
| $186 | $219 | $263 | $309 |
| $217 | $257 | $308 | $362 |
| $197 | $233 | $279 | $327 |
| $190 | $224 | $268 | $314 |
| $176 | $208 | $249 | $292 |
| $209 | $247 | $296 | $348 |
At $1200K in dwelling coverage, Erie has the cheapest monthly rate at $169. As coverage increases, home insurance rates still stay competitive. At the $5000K coverage level, Erie’s average monthly premium is $281. These rates show that Erie is among the cheapest homeowners insurance companies we reviewed.
When picking a home insurance policy, you'll want to pick a policy that covers at least 80% of your home's total replacement value.
Daniel Walker Licensed Auto Insurance Agent
Make sure to read Erie home insurance reviews before signing up for a policy to ensure that it’s the right fit for you. Remember, you get a 25% discount on auto insurance when you buy home insurance from Erie Insurance.
Overall, the company offers good value not only for lower-value homes, but also for homeowners who need more robust protection.
How Home Insurance Cost Varies by Deductible Amount
Erie home insurance rates become more affordable as deductibles increase. Erie has the lowest monthly home insurance rates across every deductible level. At a $500 deductible, home insurance rates average $184 per month.
Erie vs. Competitors: Home Insurance Monthly Rates by Deductible| Company | $500 | $1K | $2K | $5K |
|---|---|---|---|---|
| $184 | $169 | $156 | $141 |
| $208 | $192 | $178 | $161 |
| $196 | $181 | $168 | $152 |
| $221 | $204 | $189 | $171 |
| $201 | $186 | $172 | $156 |
| $234 | $217 | $201 | $182 |
| $213 | $197 | $183 | $166 |
| $206 | $190 | $176 | $159 |
| $191 | $176 | $163 | $148 |
| $226 | $209 | $194 | $176 |
At the $5K deductible level, Erie’s average monthly rate drops to $141, again making it the lowest-cost provider. Overall, Erie’s home insurance rates are competitive regardless of deductible amount. Homeowners may be able to reduce their monthly premium by choosing a higher deductible if they are comfortable paying more out of pocket after a claim.
Ways to Save Money on Erie Home Insurance
For customers who already find Erie’s rates competitive, qualifying for even one or more discounts can lead to additional savings. While your final premium will still depend on factors such as where you live, the value of your home, and the coverage you choose, applying for available discounts can help lower your cost.
There are a few home insurance discounts you can apply for at Erie Insurance.
Top Home Insurance Discounts Offered by Erie| Discount | |
|---|---|
| Bundling | 25% |
| Claims-Free | 12% |
| Green Home | 10% |
| Home Security | 20% |
| Loyalty | 6% |
| New Home | 10% |
| Safety Device | 10% |
| Security System | 9% |
Bundling your insurance with Erie can save you 25% on auto and home insurance. 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.
If you want to compare Erie with other top providers, read our guide to: Best Homeowners Insurance Companies
Condo Insurance
A condo insurance policy (also known as HO-6 insurance) may cover the interior of the unit, personal belongings, liability protection, medical payments to others, and loss-of-use coverage if the owner needs to live elsewhere temporarily after a covered claim. Erie offers the lowest monthly condo insurance premiums across every coverage level.
Erie vs. Competitors: Condo Insurance Monthly Rates by Coverage| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $29 | $38 | $49 | $62 |
| $36 | $45 | $58 | $72 |
| $33 | $42 | $54 | $68 |
| $39 | $50 | $64 | $79 |
| $34 | $43 | $56 | $70 |
| $42 | $54 | $69 | $85 |
| $37 | $47 | $60 | $74 |
| $35 | $44 | $57 | $71 |
| $31 | $40 | $52 | $65 |
| $40 | $51 | $66 | $82 |
For $200K in coverage, Erie averages $29 per month, which is lower than State Farm ($31), American Family ($33), Geico ($34), Progressive ($35), and every other competitor. State Farm is the next-cheapest option, but Erie still maintains a small price advantage.
Renters Insurance
A renters insurance policy may also include liability protection if someone is injured in the rental unit or if the tenant accidentally damages someone else’s property. Many policies also include loss of use coverage, which can help pay for temporary housing, meals, or other additional living expenses if the rental becomes uninhabitable after a covered claim.
Erie vs. Competitors: Renters Insurance Monthly Rates by Coverage| Company | $20K | $30K | $40K | $50K |
|---|---|---|---|---|
| $13 | $18 | $22 | $27 |
| $17 | $22 | $27 | $33 |
| $15 | $20 | $25 | $30 |
| $20 | $25 | $31 | $37 |
| $16 | $21 | $26 | $32 |
| $22 | $28 | $34 | $41 |
| $18 | $23 | $29 | $35 |
| $16 | $20 | $25 | $31 |
| $14 | $18 | $23 | $28 |
| $21 | $27 | $33 | $39 |
Erie renters insurance reviews suggest that it offers the lowest monthly premiums across every coverage level. For $20K coverage, monthly rates start at $13. At the $50K coverage level, Erie averages $27 per month. Overall, Erie’s renters insurance rates are highly competitive, with prices about 18% below the national average.
Life Insurance With Erie
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. Term life insurance is the cheapest option at Erie. There are a few different options to choose from.
Erie Life Insurance Coverage Options| Protection | What it Covers |
|---|---|
| Accelerated Benefit | Pays early illness benefits |
| Accidental Death | Pays extra for accidental death |
| Child Rider | Protects dependent children |
| ERIExpress Life | Offers simple no-exam coverage |
| Final Expense | Helps pay funeral expenses |
| Insurability Rider | Allows future coverage increases |
| Long-Term Care | Provides assisted living benefits |
| Permanent Life | Builds lifelong cash value |
| Return of Premium | Refunds premiums at term end |
| Term Life | Provides temporary life coverage |
| Universal Life | Offers flexible payments & benefits |
| Waiver of Premium | Maintains coverage during disability |
Each policy type is designed for a different financial need, so you can choose coverage based on how long you want protection, how much you want to spend, and whether you want a policy that can build cash value over time.
- Final Expense Insurance: Helps beneficiaries cover funeral, burial, and other end-of-life costs.
- Term Life Insurance: Only covers you for a set period, such as 10 or 20 years. It is cheaper than whole life.
- Universal Life Insurance: Another permanent policy option that may offer more flexibility than whole life.
- 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.
Life insurance can be purchased in amounts ranging from $10,000 to $500,000. Smaller coverage amounts may be enough for final expenses or limited debts, while higher coverage can provide better financial protection for beneficiaries who may depend on that money for income replacement, mortgage payments, education costs, or other major expenses.
Erie automatically includes an accelerated death benefit rider in its whole and term life policies. This feature can be especially valuable because it allows eligible policyholders to access part of their death benefit early if they are diagnosed with a qualifying terminal illness. The rider can help cover medical bills, daily living expenses, or other end-of-life costs.
If you are considering Erie for life insurance, it’s worth taking a closer look at both its term and whole life coverage before making a decision. 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.
How Much Erie Life Insurance Costs
Erie Insurance life insurance rates depend on the policy term length. Monthly premiums increase as the term lengthens, since insurers assume the risk of covering the policyholder for a longer period. The shorter the term, the cheaper your rates will be. This is because there is a lower chance that they will have to pay a death benefit on a short-term policy.
Erie vs. Competitors: Life Insurance Monthly Rates by Policy Type| Company | Term | Whole | Universal | Final Expense |
|---|---|---|---|---|
| $45 | $345 | $230 | $57 |
| $55 | $390 | $260 | $66 |
| $50 | $370 | $245 | $61 |
| $60 | $415 | $275 | $71 |
| $52 | $380 | $250 | $63 |
| $68 | $450 | $300 | $79 |
| $57 | $400 | $265 | $68 |
| $53 | $385 | $255 | $64 |
| $48 | $355 | $235 | $59 |
| $63 | $430 | $285 | $74 |
Term life insurance from Erie averages $45 per month. If you are looking for more complete coverage, Erie also offers whole life insurance. Whole life insurance is more expensive, with average rates of $345 per month, but it will cover you for the duration of your life, ensuring your loved ones get a death benefit. You can use Erie’s life insurance calculator to estimate how much coverage you may need based on your income, debts, and family expenses.
Read More: Whole vs. Term Life Insurance
Ways to Save Money on Erie Life Insurance
Erie offers several ways for lowering life insurance premiums, especially if you qualify for health-based discounts or bundle multiple policies. One of the biggest savings opportunities is Erie’s non-smoker discount, which offers up to 15% off for applicants who do not use tobacco.
Top Life Insurance Discounts Offered by Erie| Discount | |
|---|---|
| Annual Payment | 5% |
| Automatic Payments | 3% |
| Healthy Lifestyle | 8% |
| Multi-Policy Bundle | 10% |
| Non-Smoker | 15% |
| Preferred Health | 12% |
| Preferred Plus Health | 18% |
| Youth Policy | 7% |
Erie also offers preferred health and preferred plus health discounts of 12% and 18%, respectively, which may benefit applicants with strong overall health, favorable medical history, and low-risk lifestyle factors.
Business Insurance With Erie
Erie offers business insurance through its commercial insurance lineup, with coverage options that may include business property, general liability, business auto, workers’ compensation, commercial umbrella, life insurance for business needs, bonds, and industry-specific policies.
Erie vs. Competitors: Business Insurance Monthly Rates by Policy Type| Company | Business Policy | Commercial Auto | General Liability | Professional Liability |
|---|---|---|---|---|
| $74 | $154 | $41 | $58 |
| $86 | $173 | $49 | $67 |
| $81 | $162 | $45 | $62 |
| $92 | $184 | $53 | $72 |
| $83 | $168 | $47 | $64 |
| $101 | $198 | $58 | $79 |
| $89 | $179 | $51 | $69 |
| $79 | $158 | $44 | $61 |
| $76 | $156 | $42 | $59 |
| $96 | $191 | $56 | $76 |
For a standard business policy, Erie averages $74 per month, making it the cheapest option. It also offers the lowest average monthly rate for commercial auto insurance at $154. For general liability, Erie charges $41 per month, while professional liability coverage averages $58 per month, just below State Farm ($59) and Progressive ($61).
Erie Insurance Customer Reviews & Ratings
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 and plenty of coverage options, especially for auto insurance. Customers highlight the company’s competitive rates as one of its biggest advantages, noting that Erie often provides cheaper premiums than other major competitors.
However, Erie Insurance complaints say the company dropped them after a claim, forcing them to switch providers. This experience raises concerns about long-term reliability, especially given their expectation that their insurer would remain supportive after a claim.
If you need help with the claims process, read our guide on: How to File an Auto Insurance Claim & Win It Each Time.
Erie Insurance Business Ratings & Consumer Reviews| Review Platform | |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 82/100 Positive Customer Feedback |
 | Score: 880 / 1,000 Above Avg. Satisfaction |
 | Score: 0.60 Fewer Complaints Than Avg. |
For a complete picture, it is important to consider Erie Insurance ratings for financial strength, business practices, and more.
Erie Insurance Company has excellent ratings across the board. Erie Insurance Company’s rating from the BBB is an A+, reflecting its excellent business practices and financial stability. It also holds an A+ rating from A.M. Best.
Strong financial ratings mean that a company is financially able to fulfill its obligations to customers, such as paying claims.
Maria Hanson Insurance and Finance Expert
Erie’s customer service also has high ratings from third-party reviewers, which suggests that many policyholders are satisfied with their experience. Erie Insurance’s Consumer Reports reviews earned an 82 out of 100 rating, which is higher than average.
J.D. Power also rated the insurer above average for claims satisfaction, giving it a score of 880 out of 1,000. If you’re interested in how location can affect the claims process, you can read our article: The Worst States for Filing an Auto Insurance Claim.
Where Erie Provides Insurance Coverage
Erie insurance rates are highest in New York. In New York, Erie minimum auto coverage averages $52 per month, while a homeowners policy with $200K in dwelling coverage averages $156 per month.
Erie insurance premiums are the lowest in Ohio, with minimum auto insurance rates averaging $34 per month, and homeowners coverage costing $102 per month.
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. Erie stands out for consistently low rates on both home and auto insurance, making it appealing to those seeking solid coverage without overpaying.
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, there are also some downsides you will find with Erie Insurance. Erie’s low rates are partly due to its policy of insuring only low-risk customers. Higher-risk customers may be denied coverage at Erie.
Erie’s insurance products are available only in 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, there are still plenty of other great companies on the market. We recommend shopping around for quotes to get the best deal.
For a step-by-step look at the process, see “How to Compare Auto Insurance Companies.”
Deciding if Erie Insurance is Right for You
Our Erie Insurance review found that one of the biggest pros is its exceptionally low rates, especially for customers who bundle 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 insure only low-risk customers may not make it 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.
Frequently Asked Questions
Is Erie a big insurance company?
Erie is a large regional insurer, with more than 7 million active policies, more than 14,000 independent agents, and ranks on the Fortune 500.
Is Erie Insurance a good insurance company?
We often get asked, ” Is Erie Insurance good? or “Is Erie Insurance financially stable?” Yes, Erie Insurance’s A.M. Best rating is an A+. Erie Insurance reviews from the BBB show that the company has an A+ rating, too.
How long has Erie Insurance been around?
The company says Erie Insurance Exchange began operations on April 20, 1925, so it has been in business for about a century.
Check Out This Page: What We Learned Analyzing 815 Insurance Companies
Who runs Erie Insurance?
Erie Insurance is currently run by Timothy G. NeCastro, who serves as president and CEO.
Who is the parent company of Erie Insurance?
Erie Indemnity Company serves as the management arm of the Erie Insurance Group, handling sales, underwriting, and administrative support for the Erie Insurance Exchange.
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Is Erie Insurance available in all 50 states?
Erie serves 12 states and Washington, D.C., though this can vary by product line.
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Does Erie Insurance pay claims well?
Customers are also interested in” What is the satisfaction with Erie insurance claims?” J.D. Power gave Erie Indemnity Co. a score of 880/1,000 for customer satisfaction with claims.
To compare top providers for claims service, check out: “10 Best Auto Insurance Companies for Claims Handling“.
Why is Erie Insurance so cheap?
Wondering “Why is Erie Insurance expensive?” Rates start at $32 per month, which is on the cheaper side. One reason Erie Insurance cost is low is that it is picky about who it insures. Erie’s customer base is primarily low-risk.
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.
What is Erie Rate Lock?
We often get asked, “Is Erie Rate Lock worth it?” Yes, Erie says Rate Lock keeps your auto premium from increasing year after year, even if you file a claim. Your rate generally stays locked until you make certain changes, such as adding or removing a vehicle or driver, or changing your primary residence.
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