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Erie Insurance Review 2019: Complaints, Ratings and Coverage

March 22, 2019
Auto Insurance, Insurance
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Erie insurance reviews and ratings

  • Customer satisfaction ratings are typically better than average.
  • Has fewer customer complaints than the industry median, relative to its size.
  • Erie locks in your auto insurance rate, so your premium won’t change unless you add or remove drivers or cars.

Erie Insurance is a strong choice for auto insurance. The Erie, Pennsylvania, insurer operates in 12 states and Washington, D.C., and makes most customers happy: Erie gets generally high marks for satisfaction in J.D. Power ratings and few complaints. Here’s where Erie is available:

Erie insurance review details

Auto insurance rating

4.0 NerdWallet rating

Erie ranked 4th out of 24 insurers in NerdWallet’s ranking of the best car insurance companies, earning 4 stars out of 5 for overall performance. NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.
  • Consumer Reports customer satisfaction ratings.
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

Erie auto insurance coverage options

Auto insurance policies from Erie Insurance include extras that may not be available in every state, including:

  • Rate lock (or RateProtect in New York), which lets you lock in your auto insurance rates until you add or remove drivers, add or remove vehicles, or move.
  • Accident forgiveness, which prevents you from facing a surcharge after your first at-fault accident once you’ve been an Erie customer for three years.
  • Diminishing deductible, which reduces your deductible by $100 for every consecutive year you don’t file a claim, up to $500.
  • Pet injury coverage: Up to $500 each for veterinary care for pets injured in your vehicle in an accident, up to $1,000.

Erie offers additional auto insurance options like:

  • New car protection: If you have a car up to 24 months old and it’s totaled, Erie will replace it with a new car of the current model year, but this isn’t available in every state.
  • Better car protection: If your car is at least 24 months old and is totaled, this coverage will pay for a car of the same make and model two years newer, or it will pay off the auto loan if there is one. This coverage isn’t available in every state.
  • Generous rental car coverage and options: Most auto insurers offer rental car coverage at an extra cost, so you have a way to get around if your car is in the shop for covered damage. Erie includes the basic coverage free in its comprehensive coverage, but you can pay up for upgraded rental options, such as a luxury car or SUV instead of a sedan.

» MORE: Compare car insurance rates

Erie home insurance coverage options

Erie’s homeowners insurance offers the usual features, plus some nice perks such as:

  • Guaranteed replacement cost so your home will be covered in full if it’s destroyed or damaged, with no “wear and tear” taken into account. This isn’t available in all states.
  • Animals are covered up to $500.
  • Theft or loss of your belongings, is covered with Erie’s base homeowner policy, unlike many competitors.

You can also add customized options to your policy, including:

  • Computer and electronic equipment coverage.
  • Jewelry, art and high-end valuables coverage.
  • Coverage for firearms.
  • Identity theft recovery.
  • Water backup and sump overflow coverage.

Erie life insurance coverage options

Erie’s life insurance choices include term, whole and universal policies, though none is available in New York. Term life policies are available for terms of 5, 10, 15, 20 and 30 years. Up to $90,000 of coverage is available without a medical exam; you’ll get an answer within 15 minutes when you apply.

Erie at a glance

Financial strength: A+ (“Superior”)

Erie’s financial strength is “superior,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Complaints

Erie had fewer than the median number of complaints to state regulators in 2018 relative to its size for auto, home and life insurance, according to the National Association of Insurance Commissioners.

Customer satisfaction

Erie’s homeowners insurance ratings are mixed, but it’s the top-rated insurer in J.D. Power’s auto insurance studies in 2018.

2018 J.D. Power StudyErie ranks...
Insurance Shopping (Auto)Among the best, winning the top award
Auto Insurance Claims SatisfactionAmong the best, winning the top award
Home InsuranceAbout average
Property Insurance ClaimsBetter than most

More about Erie

Website: Erie’s website is handy. You can get an auto quote, find an agent, pay your bill, access your account, file a claim and find a repair shop.

Erie doesn’t have a smartphone app.

Retirement planning and other insurance: Erie’s retirement planning products include annuities and traditional and Roth individual retirement accounts. (Annuities from Erie aren’t available in New York.) Erie also offers other policies, including:

  • Renters, condo and mobile home insurance.
  • Umbrella insurance.
  • Insurance for classic cars, all-terrain vehicles and recreational vehicles.
  • Boat insurance.
  • Identity theft recovery and fraud reimbursement.
  • Business insurance.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

Find your rate.

NerdWallet’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2018 consumer complaints data from the National Association of Insurance Commissioners for private passenger auto insurance. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from Consumer Reports’ most recent car insurance survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2018 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2018 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.