Erie Insurance Review

  • With 4.6/5 stars in 2024, Erie is an excellent insurance company.
  • Read Erie reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Erie insurance: Ratings and reviews

4.6 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon

Rating from The Zebra Question mark icon

If you live in a state in which Erie provides coverage, the company could be an excellent option. Erie offers an extensive array of additional features, endorsements and add-ons that can boost a basic policy to extend your coverage and limits for extra peace of mind. Combined with superior financial strength, great ratings from J.D. Power, and a history of exceptional customer service and claims satisfaction, Erie is a trusted insurance company that can satisfy common coverage needs. 

Their Rate Lock tool helps Erie stand out among its competitors, ensuring premiums are locked in unless a policy change is made. While its strengths lie in these categories, Erie lacks widespread coverage areas — as it is still only available in 12 states. 

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon
4.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at Erie
  • Excellent customer ratings

  • Bundling options

  • Customizable coverage

  • Mobile app issues

  • Only available in 12 states

Is Erie a good insurance company?

The majority of The Zebra's review incorporates how well Erie scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Claims Satisfaction: Above average

  • Erie earned Above average marks in J.D. Power's most recent auto claims satisfaction study[1]

Customer Satisfaction: Above average

  • J.D. Power also rated Erie as Above average in overall auto customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Erie[3]

Financial Strength: Superior

  • Erie received an Superior financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. Erie received a 8.86/10, putting it in 2nd place for best overall auto insurance carriers. Below you can see where Erie ranked for some of the individual categories.

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Top 5 in claims satisfaction

9.14/10 - Erie took 1st place for claims satisfaction. 

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Top 5 in customer service

8.95/10 - Erie ranked 2nd in the customer service category. 

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Top 5 in online experience

8.93/10 - Erie ranked 4th for online experience in our survey.

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Top 5 in ease of use

8.91/10 - In ease of use, Erie came in 2nd.

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Top 5 for recommended

8.82/10 - Survey respondants gave Erie 3rd place for willingness to recommend.

How much does Erie insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Erie is about $646 or roughly 27% cheaper than a typical policy, so a worthy contender for your next insurance company.

The table below shows how Erie auto insurance compares against other top insurers. 

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
Erie $108
Travelers $112
USAA $114
Nationwide $123
GEICO $129
American Family $131
State Farm $131
Cincinnati Insurance $147
Farmers $149
Progressive $157
Allstate $201

Similar to any insurance company, pricing for Erie auto insurance does vary based on your age and generally will get cheaper the older you get. Erie has the Rate Lock tool which allows policyholders to keep the same rate for 12 months rather than a renewal every six. 

The table below shows Erie's car insurance premiums for different age brackets.

Erie Costs by Age Group
Age Group Avg. Monthly Premium
Teens $269
20s $142
30s $107
60s $103
40s $102
50s $100

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Discounts offered

Many of the standard discounts typically offered by insurance companies are offered by Erie. It's always smart to look for discounts and cost-cutting programs when you're shopping for new car insurance — explore these potential ways to save some money on a new policy.

  • Pay in full: Pay your annual premium in full to be eligible for this discount.
  • Youthful driver: Qualify for this discount if you're an unmarried driver under age 21 who resides with your parents.
  • College student: If you're a student who lives away from home and doesn't have access to the insured car(s), the policyholder may be eligible for a discount.
  • Car safety equipment: If your car has safety features like anti-lock brakes, factory-installed airbags, and anti-theft devices, you may qualify for a discount.
  • Multi-policy discount: Bundle your life or homeowners insurance with your auto insurance policy to receive a discount.

View all of Erie's discounts here

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What types of coverage does Erie offer?

Erie provides the traditional coverage suite offered by most insurance companies, as well as a list of coverage options you may add to further customize your policy. Standard coverages include liability, collision, comprehensive, medical payments and uninsured/underinsured motorist coverage. Some custom coverage options from Erie are listed below. 

  • First accident forgiveness - This accident forgiveness endorsement will waive the surcharges in your first at-fault accident if you've been an Erie customer for three or more years.
  • New and used car replacement - If your new car is totaled in a collision and is less than two years old, Erie will pay to replace it with the newest comparable model after your deductible kicks in. If you've had your car for over two years and it gets totaled, Erie will replace it with a comparable model that's two years newer. 
  • Auto glass repair - No matter your driving history, cracks and chips in your car's windshield can happen even to the best drivers. This optional coverage will repair or replace your car's damaged windshield and windows without a deductible.
  • Roadside assistance and rental car bundle - Erie conveniently bundles roadside assistance and rental car coverage in this option, so you're covered in the event your car has mechanical or operational issues on the road, or you need a rental car if your vehicle is being repaired after a collision.
  • Pet injury coverage - This unique built-in feature covers veterinarian expenses up to $500 per pet (total limit of $1,000) if your pet is injured in an accident while riding in your car.

Read all of Erie's coverage options here.

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Erie YourTurn® Rewards Program

Erie's telematics program, YourTurn®, is accessed through a smartphone app that measures your unique driving behaviors. YourTurn® assesses hard braking, speeding, and phone use while driving to give you an overall driving score. High scores earn monetary benefits that can be redeemed for e-gift cards or donated to charity. It is not clear whether this earns you a discount on your premium or if you can redeem reward dollars towards your car insurance payment. 

Learn more about YourTurn® here.

Erie insurance review: Summary

Between Erie's excellent scores from third-party organizations, wide array of coverages and discounts, and favorable survey results, policyholders can confidently rely on this insurance carrier. The Zebra believes Erie is an excellent choice for an insurance provider if you live in one of their covered states. Customers can enjoy customizable coverage options and comprehensive online and mobile services at affordable rates with Erie.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Erie insurance: Frequently asked questions

The Zebra considers Erie an excellent insurance company with high customer service and claims satisfaction ratings, a wide range of coverages and discounts, and comprehensive online services, making it a strong choice for policyholders in the 12 states it covers.

Erie Insurance often provides competitive rates due to its regional focus.

Erie Insurance operates only in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia.

Yes, Erie is good at paying claims. Erie received a Superior financial rating from A.M. Best for its ability to fulfill financial obligations, such as paying out claims, as well as above average marks on J.D. Power's claims satisfaction survey.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.