Erie
- Top ranking in 2025 J.D. Power customer satisfaction studies.
- Many perks and coverage options.
- Option to lock in your auto insurance rate.
- Offers fewer discounts than some competitors.
- Not available in most states.
NerdWallet's take on Erie auto insurance
Erie earned 4.5 stars out of 5 for the optional coverages it provides, including a few things you might not find at other top insurance companies.
Best for: Drivers who want to take advantage of lots of bonus perks and coverage options.
Not ideal for: Drivers in most states. Erie is a regional insurer, and while it’s one of the best options, it only operates in the Midwest and Appalachian regions of the U.S.
Where Erie car insurance stands out
Coverage options. Erie offers a multitude of coverage types to choose from, including new car replacement coverage, gap insurance, rideshare insurance and more. You can also lock in your rate until you make changes to your policy, like adding a vehicle or moving.
Bonus perks. If you choose to add comprehensive and/or collision coverage to your policy, you’ll get extra perks that other insurers charge more for, including glass repair with no deductible, locksmith service up to $75, personal items coverage up to $350 and rental car insurance.
Rate Lock feature. Depending on where you live, Erie may offer a feature that locks in your rate so you don’t have to worry about your costs going up, even if you have to file a claim. Your premium will only change if you make certain adjustments to your policy.
Where Erie car insurance falls short
Limited availability. As a regional insurer, Erie only writes auto insurance policies in 12 states and Washington, D.C.
Few discounts. Erie doesn't offer as many discounts as other top-rated companies.
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How much does Erie car insurance cost?
Erie car insurance costs an average of $144 per month or $1,731 per year for a full coverage policy, according to our November 2025 analysis. That's compared to the national average of $2,300 per year.
For minimum coverage, Erie car insurance costs an average of $40 per month or $485 per year for minimum coverage, according to our November 2025 analysis. That’s compared to the national average of $627 per year.
» MORE: Compare car insurance rates
Erie auto insurance rates by age
Insurers look at a variety of factors when they determine car insurance costs. While you might expect your driving history and vehicle to affect your rates, your age also plays a big part. In fact, young drivers are among the most expensive people to insure — sometimes even more than drivers with a DUI.
Here are Erie's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Erie car insurance for 20-year-old drivers is $3,626 per year, or $302 per month. That's compared to the national average for this age group, which is $4,684 per year, or $390 per month.
Adult drivers. The average cost of Erie car insurance for 40-year-old drivers is $1,685 per year, or $140 per month. That's compared to the national average for this age group, which is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Erie car insurance for 60-year-old drivers is $1,501 per year, or $125 per month. That's compared to the national average for this age group, which is $1,988 per year, or $166 per month.
- More Erie auto rates by age
Age Company median rate National median rate 20 $3,626 $4,684 30 $1,845 $2,375 35 $1,731 $2,300 40 $1,685 $2,232 50 $1,553 $2,074 60 $1,501 $1,988 70 $1,704 $2,125
Erie auto insurance rates by driver profile
Your driving history can have a dramatic effect on what you pay for car insurance. For example, a 30-year-old with a clean record pays $154 per month, on average, for full coverage. But that same person would pay an average of $170 per month after getting a speeding ticket.
Below are Erie's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Erie car insurance for drivers with poor credit is $3,994 per year, or $333 per month. That's compared to the national average, which is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Erie car insurance for a driver with a speeding ticket is $1,908 per year, or $159 per month. That's compared to the national average, which is $2,931 per year, or $244 per month.
At-fault crash. The average cost of Erie car insurance for a driver with an at-fault crash is $2,488 per year, or $207 per month. That's compared to the national average, which is $3,405 per year, or $284 per month.
DUI. The average cost of Erie car insurance for a driver with a DUI is $3,160 per year, or $263 per month. That's compared to the national average, which is $4,265 per year, or $355 per month.
Erie auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Insuring more than one vehicle.
Having Erie home or life insurance in addition to auto coverage.
Not using your car for at least 90 consecutive days.
Having safety features like air bags, anti-theft devices and anti-lock brakes.
Paying your full premium upfront.
Being unmarried and living with your parents if you’re under 21.
Having a college student who lives away from home and their vehicle.
Being a loyal Erie customer. After three years with Erie, you’ll qualify for their first accident forgiveness program, which ensures your premium won’t go up after your first at-fault accident.
While it’s not a discount, Erie’s Rate Lock can save you money too. The Rate Lock feature secures your car insurance rates until you make a change to your policy, like adding or removing a driver or vehicle or moving to a new home. It’s similar to accident forgiveness, but isn’t limited to a single event or policy period. (Rate Lock may not be available in every state, and is limited to three years in Virginia.)
Erie also offers a Diminishing Deductible as part of its Auto Plus Endorsement program. Your deductible will be reduced by $100 for every year you don’t file a claim, up to a maximum of $500.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Erie car insurance coverage
Erie's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Erie also offers some types of optional coverage, such as:
Pet injury coverage. This provides up to $500 each for veterinary care for pets injured in your vehicle in an accident, up to $1,000 total.
Glass repair. Erie offers glass repair with no deductible and a new set of wiper blades if your windshield is replaced. This is included if your Erie car insurance policy includes comprehensive coverage.
Personal items coverage. Erie will cover up to $350 for clothing, luggage and other belongings inside an insured vehicle. You can add this as an optional coverage, or get it if you include Erie’s collision insurance on your policy.
New car replacement coverage. If you’ve driven a new vehicle for less than two years, Erie will pay to replace it with the newest model if it is totaled in a covered claim.
Better car replacement coverage. If your vehicle is older than two years, Erie will replace it with a model two years newer if it’s total in a covered claim.
Gap insurance. If you lease or make payments on a vehicle, and it gets totaled in a covered claim, Erie will pay the difference between the actual cash value and what you owe.
Rideshare coverage. If you drive for a service like Uber or Lyft, the companies’ policies cover you only while you’re carrying passengers or en route to pick them up. Erie’s rideshare insurance also covers when you are waiting for passengers to request a ride.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Erie’s YourTurn program
Erie’s YourTurn app tracks driving habits like braking, accelerating, speeding and how you use your phone. Although you won’t receive a car insurance discount, you’ll get rewards in the app based on how safely you drive. These rewards can be redeemed for gift cards or charity donations. However, this program isn't available in all states.
Erie life insurance policies
Erie’s life insurance choices include term, whole and universal policies, though none areis available in New York. Term life insurance is available for terms of 10, 15, 20 and 30 years. Up to $500,000 of coverage is available without a medical exam and has a quicker approval process.
Some of Erie’s whole life insurance policies allow you to add an accelerated death benefit, which can help pay for long-term care if you’re critically ill or can no longer care for yourself.
Is Erie a good insurance company?
Erie is one of the best insurers in recent national surveys of customer satisfaction, but it’s the middle of the pack when it comes to consumer complaints.
Complaints: Erie received close to the expected number of complaints for a company of its size, according to analysis of data from the National Association of Insurance Commissioners.
Shopping: Erie was ranked No. 1 out of 18 companies in J.D. Power's 2025 Auto Insurance Shopping Study. This study measures how shoppers feel about a company's buying process.
Claims satisfaction: Erie was ranked No. 1 out of 20 companies in J.D. Power's 2025 Auto Insurance Claim Satisfaction study. This survey measures how customers feel about an insurer's claims process.
Erie also had fewer than the expected number of complaints for its life insurance offerings and far fewer than expected for its home insurance offerings.
More about Erie car insurance
Customer service: Call 800-458-0811, contact a local agent or send an email using Erie’s website.
Website: Erie’s website is helpful and offers resources to help you make sense of your car insurance. You can get an auto quote, find an agent, pay your bill, access your account, track a claim and even locate a repair shop.
Mobile app: Erie has a smartphone app for iOS and Android to help you manage your policy. You can also get a separate app for the YourTurn program.
Other Erie insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does Erie include rental car insurance?
Does Erie include rental car insurance?
Yes. By adding comprehensive coverage to your Erie policy, you’ll get several extra perks, including basic rental car insurance. You can also add rental car expense coverage to an existing Erie policy.
Where can I get an Erie car insurance quote?
Where can I get an Erie car insurance quote?
You can get a quote online or by contacting an agent.
How can I file a claim with Erie?
How can I file a claim with Erie?
You can file a claim with Erie by calling your agent or calling Erie customer support. After you submit your claim, you can track it online.
How can I contact Erie?
How can I contact Erie?
Customer service number: Erie’s phone number is 800-458-0811.
Email: You can use a form on their website to email Erie.
X: Reach out to Tweet Erie on X at @Erie_insurance.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Insurance Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
