Erie Insurance Review for 2026

Our Erie insurance review found that the company consistently offers the cheapest car insurance rates starting at $384 annually.

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

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

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 roadside assistance and rental car reimbursement 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

Erie Insurance is an affordable option for young drivers, despite the fact that they often pay the highest rates because of 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’.

Erie Auto Insurance Monthly Rates by Coverage Level

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

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 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

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.

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

One notable discount is Erie’s 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.

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:

• Condo Insurance: If you own a condo, you can get condominium insurance through Erie.
• Home Insurance: Erie Insurance offers several home insurance coverage options for homeowners.
• Mobile Home Insurance: Erie also offers insurance for mobile homes, including double-wide, manufactured, and modular homes.
• Renters Insurance: Erie offers renters insurance with liability coverage, 24/7 support, and more.

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

At $150K in dwelling coverage, Erie has the cheapest monthly rate at $95. As coverage increases, home insurance rates still stay competitive. At the $750K coverage level, Erie’s average monthly premium is $278. These rates show that Erie is among the cheapest homeowners insurance companies we reviewed.

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.

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 like where you live, the value of your home, and the coverage you choose, applying for available discounts can help lower that cost.

There are a few home insurance discounts you can apply for at Erie Insurance.

Top Home Insurance Discounts Offered by Erie

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

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.

• Medicare Supplement: Erie Family Life offers supplemental insurance for medicare holders.
• Term Life Insurance: Term life insurance only covers you for a set period, such as 10 or 20 years. It is cheaper 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 Term Life Insurance Costs

Erie Insurance life insurance rates depend heavily on both the policy term length and the applicant’s age. 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 Erie Insurance will have to pay a death benefit on a short-term policy.

Erie Term Life Insurance Monthly Rates by Term Length

Younger applicants receive the lowest rates because they are considered less risky to insure and are statistically less likely to die during the policy term. For example, a 16-year-old female pays $10 per month for a 10-year term, $13 for a 20-year term, and $18 for a 30-year term.

As applicants get older, however, term life insurance costs more. A 60-year-old female pays $42 for a 10-year term, $78 for a 20-year term, and $145 for a 30-year term.

How Whole Life Insurance Costs Vary

If you are looking for more complete coverage, Erie also offers whole life insurance. Whole life insurance will be more expensive, but it will cover you for the duration of your life, ensuring your loved ones get a death benefit. Costs vary significantly based on both the applicant’s age and the amount of coverage.

Erie Whole Life Insurance Monthly Rates by Policy Amount

For example, a 16-year-old female pays $45 per month for a $100K policy. A 16-year-old male pays slightly more at $50 per month. Rates rise steadily as buyers get older. At age 60, females pay $180 a month for $100K in coverage, while males pay $200 a month. As you can see, men consistently pay more than women for the same coverage amount.

Read More: Whole vs. Term Life Insurance

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

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 received an A+ rating from the BBB for excellent business practices and is financially stable, with an A+ rating from A.M. Best.

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 82/100 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.

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 stands out for consistently low rates on both home and auto insurance, making it appealing to those seeking solid coverage without overpaying.
• Multiple Coverage Options: It offers several insurance lines, including auto, home, and life, making it a convenient option for customers with diverse insurance needs.
• 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 policy of insuring only low-risk customers. Higher-risk customers may be denied coverage at Erie.
• Not Sold in All States: It’s available 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.