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Reviewed By Micah Pratt
on February 24, 2016

As the 13th largest provider of auto insurance in the country, there are a number of details you should consider when weighing your options.  We’ve done the work to find, gather, and dissect Erie auto insurance information to help.  We are not affiliated with Erie Insurance, so you can trust this review is based on unbiased facts.

What Do You Want to Know More About?

Benefits

  • Highly Ranked. Erie won a 2015 JD Power study and has received high scores for financial stability and prominence.
  • ERIE Rate Lock®. You can keep your rates from going up even if you get into an accident. The only thing that will cause it to change are changing vehicles on your policy, adding drivers, or moving.
  • Feature 15 Accident Forgiveness. If you’ve had a policy with Erie for 15 years straight, your rates won’t go up for an at-fault accident. We haven’t come across a policy like this and think it’s pretty great even though it takes a long time to tap into.

Downsides

  • It doesn’t insure in every state. It actually only provides auto coverage in 11.

Where You Can Get Erie Coverage

Erie only writes auto policies in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington D.C.  See how Erie ranks in your state for cheapest providers, and if it doesn’t offer coverage options–find companies that do before seeking out a quote.


Auto Insurance

Most Popular States to Buy Erie Insurance

Erie ranked in the top 10 highest selling companies in Pennsylvania, West Virginia, Virginia, Ohio, and Wisconsin.  These same five states are also where Erie writes the most policies in terms of volume. Take a look to see where Erie has the most customers compared to other competitors.

  • Pennsylvania: Of all insured drivers in Pennsylvania, 13.38% have a policy with Erie, making it the second most popular company in the state. It’s also the state in which it has the most policies in term of sheer volume at 1,013,391 policies written.
  • West Virginia: Erie is the third most popular auto insurance provider in West Virginia—with 12.95% of all customers insured through it, Erie wrote 151,950 policies in 2014.
  • Virginia: 3.53% of all Virginia drivers have Erie auto insurance.  It’s also the second most popular state in terms of volume with 166,298 policies written.
  • Ohio: 2.89% of the driving population chooses Erie and in 2014 it wrote 166,298 policies.
  • Wisconsin: With 57,344 policies written, Erie insures 2.16% of Wisconsin drivers.

Average Annual Cost for Erie

We analyzed the average annual premiums for Erie insurance and similar companies for males and females, ages 18, 25, and 40.  According to our data it came in as the cheapest compared to Farmers, Liberty Mutual, Nationwide, and Safeco.  For example, a 25-year old female may pay almost 50% less with Erie Insurance.

 18-YEAR OLD FEMALE18-YEAR OLD MALE25-YEAR OLD FEMALE25-YEAR OLD MALE40-YEAR OLD FEMALE40-YEAR OLD MALE
Erie$1,154.14$1,302.98$613.37$650.30$586.39$594.29
Farmers$2,423.91$2,759.71$1,029.02$1,102.65$758.55$782.81
Liberty Mutual$2,963.07$3,457.65$1,609.31$2,073.69$1,695.57$1,682.23
Nationwide$2,262.28$2,623.48$1,647.23$1,787.71$1,262.28$1,594.01
Safeco$2,275.62$3,128.63$1,352.65$1,154.71$1,310.65$1,010.75
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Rates depend on your location, age, sex, and a number of other factors so its imperative to get a unique quote from any company you are considering.

Erie Auto Insurance Discounts

Saving money sure feels good. Luckily with Erie Insurance, there are a lot of ways you can save. If you call for a quote, see if you qualify for any of its discounts, including:

  • Safe Driver Discount
  • Multi-Car Discount
  • Age 55 or Over Discount
  • Passive Restraints Discount
  • Anti-Theft Devices Discount
  • Anti-Lock Brakes Discount
  • Multi-Policy Discount
  • Longevity Discount
  • Payment Plan Discount
  • Life Multi-Policy Discount
  • Youthful Driver Discount
  • Auto Accident Prevention Course Discount
  • College Student Discount
  • Driver Training Discount
  • Reduced Usage Discount

See the full list of Erie auto insurance discounts.

How Erie Ranks

There’s the World Cup for soccer, Oscar for actors, ESPYs for athletes, and more. Here are some of the accolades Erie has racked up.

A.M. Best Company compares insurance carriers to one another based on their financial stability.  Erie received an A+ for “superior” for their financial standing. That’s almost as good as those ratings get which means it has the financial backing to pay out your claims. It’s also stayed at an A or above since 1928 except in 1938 when it got a B+ which still means “very good” in the insurance world.

Fortune 500 rates companies by revenue. In 2015, Erie was ranked 436th on their list out of hundreds of other companies.

JD Power Scores are based on customer feedback. Erie has ranked well in all categories and in 2015 was named the overall winner of JD Power’s U.S. Insurance Shopping study, for the third year in a row.

In a 2015 JD Power U.S. Auto Insurance Claims Satisfaction study, Erie scored:

Claims Satisfaction

Overall Satisfaction

Service Interaction

Appraisal

Repair Process

Rental Car

Settlement

Source: www.jdpower.com

Insurance Shopping Results

Overall Satisfaction

Policy Offerings

Pricing

Website Experience

Call Center Interaction

Source: www.jdpower.com

Features We Love

There’s a lot more to Erie than fits on one page of their website. Here’s some more great stuff you may love about the company:

  • ERIE Rate Lock®. You can keep your rates from going up even if you get into an accident! The only thing that will cause it to change are changing vehicles on your policy, adding drivers, or moving.
  • Accident Forgiveness. Aside from Feature 15, your rates won’t go up after your first at-fault accident no matter how long you’ve been with the company.
  • Tons of Discounts. Erie has a lot of awesome discounts for drivers of all ages to tap into.
  • Safety Tips. Erie cares about its customers and it shows. It has some tips for driving safety and more resources on its website for you.

The Takeaway

We want you to use your head and decide what’s the best insurance option for you. We’re hoping all of this great, easy, and understandable information helps, but the decision should ultimately be up to you and you alone. Based on all of the details, we would make a recommendation that:

Erie is best for teens and experienced drivers.

Erie has some great discounts for teens—like being a college student, taking driver training, being under 21 and living at home, and loyalty discounts. It even have a pretty great accident forgiveness policy that makes it safe to insure teenage drivers since your rates won’t spike after one accident.

Erie is great for mature drivers too because of its bevvy of discounts and rewards features.

The History Of Erie Insurance

Erie first opened shop in 1925, so it’s had many years since to perfect its insurance offerings. Since then, it’s grown to become the 16th largest property and casualty insurance company in the U.S. and has acquired lots of awards along the way.

Want to keep looking?

Check out a ton of other auto insurance carriers to compare offerings.

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