Erie earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Erie Insurance is a strong choice for 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.
» MORE: The best car insurance companies
Where Erie stands out
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.
If you add comprehensive 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 basic rental car insurance.
Erie ranked high in J.D. Power’s 2022 surveys for auto insurance shopping and claims satisfaction.
Where Erie falls short
Erie has more than the expected number of complaints to state regulators for an insurance company of its size. The company also doesn’t have as many discounts as other car insurance companies.
Erie also has limited state availability, writing auto insurance policies in 12 states and Washington, D.C.
Compare to other insurers
More than expected.
Fewer than expected.
Fewer than expected.
Average set of discounts.
Great set of discounts.
Average set of discounts.
Ease of use
The company is popular with consumers but operates in only 12 states and Washington, D.C.
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
State Farm is a popular insurer with fewer complaints compared to other large competitors.
Read our detailed reviews
Erie auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Auto insurance policies from Erie Insurance include extras that may not be available in every state, such as:
Accident forgiveness. This prevents you from facing a surcharge after your first at-fault accident once you’ve been an Erie customer for three years.
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.
Rate lock. This lets you lock in your auto insurance rates until you add or remove drivers, add or remove vehicles, change where you generally park your car or move. It's limited to three years in Virginia.
Diminishing deductible. This reduces your deductible by $100 for every consecutive year you don’t file a claim, up to $500.
If you buy comprehensive auto insurance, Erie throws in more perks:
Glass repair with no deductible and a new set of wiper blades if your windshield is replaced.
Locksmith service of up to $75 if you lock your keys in your car.
Personal items coverage of up to $350 for clothing, luggage and other belongings inside an insured vehicle. Auto policies typically don’t cover personal items in the car. This extra is also available with Erie’s collision insurance.
Erie’s Auto Plus package, for $35 a year or less, adds an assortment of benefits, some of which vary by state:
Extra days of rental car coverage after an accident.
Higher limits for some coverage, including locksmith costs and personal items.
Waived deductible on your auto policy for certain instances.
A death benefit of $10,000 per person if someone dies from a covered accident.
Erie also offers additional auto insurance options like:
New car replacement. 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, minus the deductible. This isn’t available in every state.
Better car replacement. 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, minus the deductible. This coverage isn’t available in every state.
Gap insurance. If your car is totaled, this coverage will pay off your auto loan.
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 for upgraded rental options, such as a luxury car or SUV instead of a sedan.
Rideshare coverage. If you drive for a service like Uber or Lyft, the companies’ policies cover you while you’re carrying passengers or en route to pick them up, but not while you’re waiting for ride requests. Erie’s rideshare insurance for drivers covers that gap. Rideshare coverage may not be available in all states.
You can also buy an auto security package from Erie that includes new car replacement, better car replacement and gap insurance.
» MORE: Compare car insurance rates
Auto insurance discounts
Depending on where you live, you may be eligible for discounts for:
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.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
Erie’s YourTurn app tracks driving habits like braking, accelerating, speeding and phone use while driving. 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. This isn't available in all states.
Erie life insurance
Erie’s life insurance choices include term, whole and universal policies, though none is 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.
Complaints and customer satisfaction
Erie had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. However, it had fewer than the expected number of complaints for home and life.
2022 J.D. Power study
Auto insurance shopping
No. 2 out of 11 companies.
Auto insurance claims satisfaction
No. 3 out of 21 companies.
More about Erie auto insurance
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 locate a repair shop.
Mobile app: Erie has a smartphone app for managing your policy.
Erie homeowners and renters insurance
Other insurance from Erie
Erie offers other insurance such as:
Renters, condo and mobile home insurance.
Classic car insurance.
Insurance for snowmobiles, mopeds, golf carts and all-terrain vehicles and recreational vehicles.
Identity theft recovery and fraud reimbursement.
Medicare supplement insurance.
Erie also offers retirement planning products like annuities and traditional and Roth individual retirement accounts. (Annuities from Erie aren’t available in New York).
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.