Learn what Erie has to offer.
Erie is a nearly 100-year-old insurance company based in and named after Erie, Pennsylvania. In addition to a variety of property, business, and personal insurance policies, Erie offers car insurance, which it sells online and over the phone. Though Erie is a regional company that only sells insurance in 12 states and Washington, D.C., it has risen to become the nation’s 13th-largest auto insurance provider. Keep reading to learn more about Erie’s coverages, discounts, and other important information.
Great value: Erie’s average annual cost of $1,084 is only
$14 more than the national average and comes with built-in benefits like locksmith reimbursement and travel expense coverage.
Stable premiums: Erie’s rate lock feature promises that your premiums won’t change after a claim, charging more only if you add a vehicle or driver to your policy or if you move to a higher-risk area.
Negative customer reviews: Erie has a Better Business Bureau customer review rating of only 1.15 stars averaged from 60 reviews, with customers expressing dissatisfaction with customer service and slow insurance claims processes. Take this with a grain of salt, since J.D. Power ranks Erie as the top insurance company for customer satisfaction in the Mid-Atlantic and North Central regions.
Erie Insurance offers the following coverages:
PIP goes beyond medical care to cover other needs, including childcare, lost wages, funeral expenses, and survivor’s benefits. PIP even follows you when you’re not in your car. For example, if a car hits you while you’re out walking, PIP benefits can still apply.
|Class||Description||Example makes and models|
|1||Compact sedan that seats up to four||Nissan Versa, Toyota Yaris|
|2||Traditional sedan that seats up to five||Chrysler 200, Ford Fusion, Chevy Impala|
|3||Small SUV or pickup truck that seats up to five||Ford Escape, Chevy Silverado|
|4||Minivan or midsize SUVs that seat up to six||Chrysler Town & Country, Jeep Grand Cherokee|
|5||Luxury sedan or SUV that seats up to seven||Cadillac DTS, Chevy Tahoe|
|6||Vehicle specially equipped to be operated or accessible by an individual with a disability||Not provided|
Erie includes pet injury insurance, travel and expense coverage, and personal belongings coverage with all of its auto insurance policies automatically. Read on to learn more about these included perks:
Our market analysis finds that the average annual cost of Erie car insurance is $1,084 per year. Compared to the national average price of car insurance, which is $1,070.47, Erie offers a lot of coverage options for a reasonable price. Get a quote to compare Erie’s pricing to other car insurance companies.
Your personal rate will depend on data like your driving history, age, gender, credit score, car type, and home address. Learn more about the average price of car insurance so you know what to expect.
As of December 2022, Erie sells auto insurance policies in the following states:
Along with New Hampshire, Virginia is one of two U.S. states that does not legally require drivers to have car insurance. Instead, drivers in Virginia can pay a $500 uninsured motorist fee to the state DMV.2
Here’s how to get in touch with roadside assistance:
There are several ways to contact Erie’s customer care:
Erie offers a mobile app for both iOS and Android devices. The app allows users to view, download, and share policy documents and ID cards, make payments, view claims, and chat with customer service.
The Erie Insurance Mobile app has 3.2 out of five stars in the Google Play store, averaged from 221 reviews, and an Apple App Store rating of three out of 5 stars, averaged from 124 ratings. Negative reviews of both apps mention issues with making payments and saving payment methods in the app, as well as difficulty copying and pasting information into the app.
Founded in 1925 as the Erie Insurance Exchange, Erie Insurance is named after the location of its founding and headquarters: Erie, Pennsylvania. H.O. Hirt and O.G. Crawford, two colleagues at a local insurance company, decided to create an insurance business of their own. One of the company’s first auto insurance policies was for H.O. Hirt’s own car.
Erie first expanded outside Pennsylvania in 1953 when it opened an office in Maryland. The company has continued expanding since, most recently adding Kentucky to its covered states in 2014. Today, Erie is the 13th-largest auto insurer in the U.S. and has sold more than six million insurance policies throughout its more than 90 years in business. The company has more than 6,000 employees and sells its insurance through more than 13,000 licensed agents.
The company offers the following types of vehicle insurance:
Erie offers these types of home and property insurance:
The provider’s life, health, and lifestyle insurance policies are as follows:
Erie also offers several types of business insurance:
The company’s industry packages are listed below:
To cancel your auto insurance policy, contact your local Erie insurance agent or call customer care toll-free at 800-458-0811.
Yes, Erie’s car insurance is a good deal, offering a wide variety of coverage for a reasonable price. Its average annual cost of $1,084 is only $14 more than the national average and comes with automatic benefits like rate lock and first accident forgiveness, as well as personal item and pet injury coverage.
Yes, if you have Erie insurance and trade in your old car for a new one, your insurance will roll over to the new vehicle automatically. If you buy an additional car, the new car will receive the broadest coverage on any vehicle on your Erie policy for your household. You will then have seven days from the date of purchase to formally add the new vehicle to your policy.
Yes, Erie car insurance covers borrowed cars as well as trailers and moving vans used for personal purposes.
Bundle Insurance and Save Money. Erie Insurance. (2022).
Insurance Requirements. Virginia Department of Motor Vehicles. (2022).
AM Best Affirms Credit Ratings of Members of Erie Insurance Group and Erie Family Life Insurance Company. AM Best. (2021, Jul 28).
Erie Insurance Group. Better Business Bureau. (2022).
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).