Erie has an average annual cost of $1,084 and ranks highly for customer satisfaction and service. In both 2021 and 2022, Erie ranked second highest in customer satisfaction, with ratings of 878 out of 1,000 for midsize auto insurance providers.
Personalized Customer Service
J.D Power ranks Erie highly on customer service and satisfaction. Part of what gives Erie the edge in customer service is its network of independent agents.
As a customer, you will need to work with an agent directly to help you narrow down the best insurance policy, make claims, and manage your current policy. The availability of independent agents is great for direct contact with someone who can walk you through the auto insurance process step by step.
Ability to Lock Your Rates
Erie has a unique rate-lock perk. If you qualify for a policy, Erie won’t raise your rates year over year unless you change your policy, drivers, or address. This means your rates won’t go up even if you have a claim on your vehicle.
Some restrictions and limitations apply. For example, you can only lock your rates for three years in Virginia, so speak to an agent to get the most accurate information for your plan and location.2
Perks and Coverage Options
Erie has a long list of discount and coverage options that appeal to a wide variety of drivers. Erie offers dozens of bundling options, including multiple-vehicle, home insurance, life insurance, and business insurance. While Erie offers all the most common coverage options — liability, collision, medical payment (PIP), comprehensive, and underinsured/uninsured motorist — it also offers a wide range of add-ons, including the following:
- Gap insurance
- Pet injury
- Roadside assistance
- Personal property coverage
- New/better car replacement coverage
- Windshield repair
GOOD TO KNOW
You can buy gap insurance from your dealership, but this is often the most expensive option. Ask your insurance agent if they offer gap insurance to compare rates, or find an independent third-party gap insurance provider.