Erie Auto Insurance Review for 2025 (Comprehensive Overview)

This Erie auto insurance review found that Erie Insurance offers competitive full coverage rates, often lower than competitors, and provides unique perks like accident forgiveness and a diminishing deductible.

Erie Insurance is best suited for drivers with clean records looking for cheap auto insurance coverage and specialized benefits like Erie’s Rate Lock.

Rating Criteria
Overall Score	4.3
Business Reviews	4.5
Claim Processing	4.3
Company Reputation	4.5
Coverage Availability	3.5
Coverage Value	4.6
Customer Satisfaction	2.2
Digital Experience	4.0
Discounts Available	4.7
Insurance Cost	4.7
Plan Personalization	4.5
Policy Options	5.0
Savings Potential	4.7

The downside to Erie Insurance is its availability is limited to certain states, and drivers with multiple claims may face policy cancellations. Remember, rates depend on individual factors, so always compare multiple quotes to find the best deal for your driving profile.

Erie Insurance Auto Insurance Rates

When it comes to car insurance, the price is a big deal. Erie Insurance has full coverage auto insurance rates at a reasonable price for most customers.

Take a look at full coverage versus minimum auto insurance rates by gender and age at Erie Insurance Company below.

In addition to your age and choice of auto insurance coverage, your driving history will also impact what you pay at Erie Insurance.

As you can see, your Erie insurance rates depend on many factors, including driving record, age, gender, and more. Compare car insurance quotes from Erie Insurance and other top providers to find your best rates.

You can call the Erie Insurance phone number at 1-800-458-0811 if you need assistance getting an auto insurance quote from Erie.

Erie Insurance Auto Insurance Rates vs. the Competition

Erie offers great rates, but this doesn’t mean it has the best deal on auto insurance. Let’s now dive into the world of Erie auto insurance rates versus the competition, starting with rates by age and gender.

Insurance Company	Minimum Coverage	Full Coverage
	$199	$225
	$135	$180
	$128	$148
	$150	$200
	$120	$145
	$160	$210
	$129	$155
	$140	$180
	$125	$150
	$145	$185

Erie Insurance is standing strong, offering you more affordable auto insurance rates than the competition and making it a great choice for cheap coverage.

However, because rates are unique and depend on several factors, it’s not just about the company; it’s also about your driving profile (Read More: How Insurance Companies Calculate Your Car Insurance Rate).

Because driving records have such a large impact on rates, see how Erie Insurance compares to its competitors when drivers have less-than-perfect driving records.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$268	$321	$385
	$166	$194	$251	$276
	$83	$100	$118	$153
	$198	$247	$282	$275
	$114	$151	$189	$309
	$248	$302	$335	$447
	$164	$196	$230	$338
	$150	$199	$265	$200
	$123	$137	$146	$160
	$141	$192	$199	$294

So, when you’re on the hunt for the best deal, don’t skip the crucial step – compare your Erie auto insurance quote against the competitors.

Auto Insurance Coverages at Erie Insurance

Right now, Erie offers all the essential coverage options you need to meet state minimum requirements and cruise the roads legally.

Erie’s coverage options also extend beyond the basics. The company understands we all want full protection, like bodily injury and property damage liability, collision coverage for those unexpected encounters with fence posts, comprehensive coverage for critters or hailstorms, and a safety net with personal injury protection for medical bills when life throws you a curveball.

But Erie auto insurance coverage doesn’t stop at extras like collision coverage – Erie also rolls out perks like Erie Rate Lock, where your Erie rates will stay the same unless you make a policy change or have a change to your driving record. Eriealso offers rental car insurance, rideshare protection for Uber and Lyft drivers, and roadside assistance for those unexpected bumps in the road.

Read More: How do I know if I chose the right coverages?

They have also sweetened the deal with accident forgiveness, a diminishing deductible, pet injury protection, travel expense coverage, and even a windshield deductible waiver.

Erie Insurance Auto Plus Package

The Erie’s Auto Plus Package isn’t your typical add-on; it’s like a cherry on top of your standard auto insurance policy, and the best part? It won’t break the bank. For less than $35 a year, you can unlock a range of perks with the Auto Plus package.

First up, you’ve got the death benefit – providing $10,000 per person in a covered accident. Then, there’s the diminishing deductible, where Erie rewards your clean driving record by reducing your deductible each claim-free year.

There’s also an increased coverage limit, ensuring you’re covered for personal items in the car. Now, if you’re wondering if adding on the Auto Plus package is worth it – spoiler alert, for most drivers, it definitely is.

Auto Insurance Discounts at Erie Insurance

Erie car insurance discounts are plentiful, with auto insurance discounts for multiple vehicles, paperless billing, and much more.

Discount Type
Bundling	25%
Safe Driver	20%
Multi-Vehicle	15%
Good Student	14%
Low Mileage	13%
Defensive Driving	10%
New Car	9%
Pay-in-Full	8%
Loyalty	7%
Paperless Billing	5%

Bundling is the largest discount available at Erie Insurance and is offered to those who purchase home or renters insurance with auto insurance from Erie.

We recommend reading Erie homeowners insurance reviews on Consumer Reports and other sites to make sure that Erie’s other insurance products are the right fit for your needs (Read More: Erie Homeowners Insurance Review).

Customer Reviews of Erie Insurance

You can find customer insights by reading Erie Insurance Google reviews, Reddit reviews, and more. You will find that reviews are mixed, with some customers praising the low prices and other customers complaining about being dropped after filing claims, like in the Reddit review below.

Business Ratings of Erie Insurance

We’ve also collected Erie’s business ratings, such as Erie insurance reviews on BBB, to analyze Erie’s financial health, customer satisfaction, and more.

Agency
	Score: 880 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 82/100 Positive Customer Feedback
	Score: 0.60 Fewer Complaints Than Avg.
	Score: A+ Superior Financial Strength

Erie has an impressive A+ rating from the Better Business Bureau (BBB), a testament to their commitment to policyholder satisfaction.

Erie Insurance reviews on Consumer Reports are also positive, so most Erie policyholders are enjoying a positive customer service experience.

Erie Insurance also has an excellent rating from A.M. Best for superior financial strength, which means it’s able to meet its ongoing financial obligations, such as claims (Learn More: How to File a Car Insurance Claim With Erie Insurance Property & Casualty Company).

Erie Insurance Pros and Cons

Now that we’ve covered all there is to know about Erie car insurance, there are a few pros about Erie Insurance that stand out.

• Affordable Rates: Erie is one of the cheapest car insurance companies on the market.
• Coverage Options: Erie has some great specialty auto insurance coverages to choose from, as well as all the basics (Read More: What types of car insurance coverage does Erie Insurance offer?).
• Bundling Discount: If you decide Erie Insurance is the perfect fit for all your insurance needs, you can save 25% with a bundling discount.

While these are great perks, there are also some cons to Erie Insurance that may make it less appealing to some customers.

• Limited Availability: You won’t be able to buy Erie Insurance in all 50 U.S. states.
• High-Risk Drivers: Erie may reject high-risk drivers who apply or choose not to renew customers’ plans if they file multiple claims.

While Erie is a great choice for most customers, its limited availability may mean it’s not even available in your state.

Deciding if Erie Insurance is Right for You

Our Erie auto insurance review found that a major pro is that Erie is known for its affordable rates, especially for drivers with clean records.

Another standout feature of Erie is its bundling discount, offering up to 25% savings when combining home or renter’s insurance with auto insurance.

However, Erie Insurance may not be the best option for high-risk drivers, as it may drop customers after multiple claims (Learn More: Best Car Insurance for High-Risk Drivers).

To ensure you find the best deal, it’s essential to compare quotes from multiple car insurance companies online. This will help you secure the most cost-effective and comprehensive coverage tailored to your needs.