Erie is an auto insurance company that offers policies mainly through independent agents on the east coast. If you happen to live in one the states that Erie operates in, and have no previous accident records, we would recommend you to look into Erie's car insurance coverage. We found Erie to have competitive insurance quotes overall. Beyond its affordability, we like Erie's strong auto repair service support, which it continually improves.
Things we like best about Erie
- Erie has affordable and reasonable auto insurance rates through network of 2,000 agencies
- Coverage includes at no extra cost a number of additional features that other insurers typically charge for
- Investments in ongoing training of their claims / appraisal staff through their new Technical Learning Center
Considerations about Erie:
- Limited geographical scope: Erie only operates in 12 states and the District of Columbia
Erie Auto Insurance Rate Comparisons
Here we take a look at Erie's sample auto insurance rates for 3 separate demographics and compare them to two other insurance companies. The data is based on a study we conducted of the best auto insurance rates in Virginia using sample premiums for a few select drivers. These illustrative premiums are for a policy that includes basic coverage, uninsured and underinsured liability, medical payments, as well as some comprehensive and collision protection. In Virginia, Erie tended to have cheaper sample premiums compared to other insurers (about 28% cheaper vs. the state average).
Table: Sample Erie Rates of Car Insurance in Virginia
|Single Female, 20||$1,924||$2,510||$3,489|
|Single Male, 20||$3,067||$2,908||$4,769|
|Married Adult, 45||$946||$1,303||$1,592|
|Get an Erie quote||Get a GEICO quote||Get an Allstate quote|
Erie vs. GEICO: The company's rates are on par, or slightly more than those of online direct insurers such as GEICO, which is actually one of our most competitively priced insurers. Erie is slightly more expensive for our sample single 20 year-old male driver, whose Erie quote is about $160 higher than GEICO’s. However, keep in mind that Erie does provide a more hands-on experience through agents compared with a direct insurer.
Erie vs. Allstate: Erie’s auto insurance policies tend to cost are 35% to 45% cheaper than Allstate’s for all of our sample drivers of diverse profiles. That's only relevant for drivers who live within the handful of states Erie underwrites in. Allstate, as our best insurer with agents, would be a great alternative for consumers who want an agency experience outside of Erie's geographical coverage. To see if Erie and other companies are providing auto insurance in your city, enter your zip code below.
Find The Cheapest Auto Insurance Quotes In Your Area
Our Review of Erie Car Insurance
Our review of Erie’s car insurance discusses the unique features of both its policies as well as post-purchase customer service. Overall, for motorists who live in one of the 13 metro regions where Erie operates (see the coverage map below), Erie definitely has very competitive auto insurance features in terms of premium control and repair service.
Erie Car Insurance Coverage Map
Erie provides auto insurance in eleven states and Washington, DC. The states are: Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Should you happen to live outside of their coverage areas, consider Allstate - our pick for Best Auto Insurance Company with Agents for their customer service and national reach.
Policy Coverage Highlights
Erie’s available auto insurance coverages is complete and with several amazing features that most other insurers would put an extra price on. Worried about budgeting insurance costs? Read on to find out more about how Erie’s policies can be affordable in the long run.
Value-Added Features Already Included in Policy: One of the nicest things about Erie's insurance is how many additional protections are included on top of the standard coverage at no extra cost. For example, where other insurers will typically charge for rental reimbursement and transportation type add-ons, Erie includes transportation expenses under your comprehensive coverage, and travel costs for trip interruptions under physical damage. The company will pay up to $20 per day for rental fees and other temporary transportation, and up to $75 per person for alternate travel costs on interrupted trips. Another thoughtful protection is pet injury coverage, under which Erie covers $500 of veterinary and medical care, or $1,000 for the loss of a pet in a covered event in one's car - not to be confused with regular pet veterinary insurance.
Erie Rate Lock® Option: There's a unique option Erie offers its insureds called Erie Rate Lock - with this feature, Erie guarantees that you pay the same premium for the same plan each year, even if you claims are paid out, provided you don't make a material change to the policy. Material changes include changing vehicles or drivers insured, moving to a different primary residence, and altering coverage or payment methods.
Accident Forgiveness: Erie will give you one get-out-of-jail free pass on both premium increases and accident surcharges if you ever happen to get into an accident. To be eligible, policyholders have to be insured with Erie for 3 years previously and been completely accident-free in that period of time.
Service Highlights: Drive-In Claim & Direct Repair Program
We think it takes more than affordable pricing to make a good auto insurance provider. Services available after the policy purchase period are important too. One easily overlooked but incredibly important service is automobile repair. In this regard, we find Erie one of the best insurers for claims and auto repair, and industry surveys attest to this too!
Drive-In Claim: The Drive-In Claim service is handy when your car is damaged but can still be operated. Simply find a drive-in center and let a claims specialist inspect and make a repair estimate on the spot.
Direct Repair Program: If your car was seriously damaged and needs a greater amount of repair work, this is when Erie’s Direct Repair Program comes in. Basically, it works just like many other insurers’ preferred repair shop network, but with one perk: by going to one of the Erie’s DRP shops, whatever repair costs the shop reports will be your repair claim estimates. In other words, you can avoid the back-and-forth with claim adjusters about how much of the repair costs will they cover.
Industry Ratings of Erie
Overall, Erie received excellent ratings for its financial strength to fulfill financial obligations - great news when you need to make a claim. Better yet, the latest complaint ratio study from the NAIC indicated that Erie performed much better than market average. In a recent study by JD Power, Erie Insurance was recognized as having the second best customer satisfaction rate in the entire Mid-Atlantic region. The study looks at factors such as claims satisfaction, policy options, and pricing. Erie Insurance finished slight behind first place winner, State Farm, and ahead of The Hartford who finished in 3rd place.
|AM Best Financial Strength Rating (2013)||A+|
|Better Business Bureau (2013)||A+|
|NAIC Complaint Index (2012)||0.85 (Better than Average)|
How to File an Auto Insurance Claim with Erie
To file an auto insurance claim with Erie, policyholders may choose to speak to a representative any hour of the day, any day of the year, or enjoy the convenience of filing your claims online. All third-party claims must be made through the claims service number.
File a Claim with Erie Online: https://www.erieinsurance.com/ReportAClaim/default.aspx
Erie Claim Phone Number: (800) 367-3743
- Press 1 for glass-only claims or roadside assistance
- Press 2 for automobile claims
Report a Glass-only Claim: 1 (800) 552 – 3743
Erie offers more than 8,000 participating repair and replacement glass shops through its nationwide ERIEGlass℠ program. If your car’s damaged windshield turns out to be repairable (instead of requiring a total replacement), Erie will waive the comprehensive deductible on this repair work.
Erie Auto Insurance Discounts
The company offers a slew of auto insurance discounts for safety features in cars and various scenarios for accident forgiveness. The table below lists certain discounts for which estimates are available.
|Discount Type||Discounted Coverages||Discount %|
|Anti-Lock Brake||BI, PD, PIP, Coll||1|
|Daytime Running Lights||BI, PD, PIP, Coll||1|
|Passive Restraint||PIP||5 - 10*|
|Anti-Theft||Comp||2 - 7*|
|Accident Prevention Course ᶲ^||BI, PD, PIP, Coll||10|
|Pay Plan||All||3 - 10**|
|Youthful/Student Driver ᶲ||All||up to 20|
* discount amount varies by types of device equipped
** discount amount varies by type of payment plan selected
^ not available in Kentucky
ᶲ not available in North Carolina
About Erie Insurance
Established in 1925, Erie Insurance is headquartered in Erie, Pennsylvania. The company offers multiple lines of insurance products from auto, home, business, to life insurance and annuity products. Its auto insurance is marketed and represented by over 2,200 independent agencies located in twelve states in America and the District of Columbia, with Kentucky as its most recent addition to its service region.