Erie Auto Insurance: User Reviews and Quotes (2025)

Customers with Erie can customize their policy from a wide range of coverage options. A standard Erie auto policy also includes complimentary features, like accident forgiveness and pet coverage, which provide more value for your premium. Unfortunately, Erie only sells its policies in 12 states and Washington, D.C.

Here’s what you should know about Erie insurance, including average costs and coverage options.

How Erie compares to other insurance companies

How Erie rates compare to competitors

Erie has higher average premiums than some competitors, though it does have cheaper rates than the national average.

See how full-coverage premiums from Erie and several of its competitors compare below.

Average cost of Erie auto insurance

Your driving record, age, and other factors determine how much you pay for coverage.1

Teenagers pay the highest average premiums by age due to a lack of driving experience. Senior drivers pay much lower rates than teens, but average premiums tend to increase again for drivers 70 and older. 

If you have past incidents on your record, like speeding tickets, at-fault accidents, and DUIs, you’ll pay much more for coverage than drivers with a clean record.

Compare average monthly liability insurance costs for Erie auto insurance by driving record and age below.

Erie car insurance cost by state

Car insurance prices vary depending on which state you live in because different states enforce different requirements. Similarly, your area’s risk factors, like crime and accident rates, influence your insurance premiums.

Erie has fairly average rates compared to other insurers selling coverage in the same states. The table below highlights average monthly liability insurance quotes from Erie versus average rates in various states.

Erie car insurance discounts

Taking advantage of car insurance discounts can help you get the best deal on your policy. The more discounts you qualify for with an insurance company, the less you’ll pay for coverage.

Erie offers several discounts, including the following:

• Multi-car

• Multi-policy

• Reduced usage

• Young drivers

• Safe driving

• Safety features

• Annual payment2

How customers feel about Erie

Erie earned high customer satisfaction rankings in a few regions in the J.D. Power 2023 U.S. Auto Insurance Study and a high claims satisfaction ranking in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.

But the company does have some negative reviews from previous customers. For example, Erie received a rating of 2.5 out of 5 stars on Trustpilot. Some customers expressed frustration with the company’s claims handling and customer service.

Erie customer reviews

Customer reviews provide valuable insight into other people’s experiences with a company. Here’s what some verified customers are saying about their experiences with Erie.

Erie ratings

Erie has strong ratings in customer service and financial strength.

The company received an A+ (Superior) financial strength rating from AM Best, a leading credit-rating agency in the insurance industry. J.D. Power, a consumer intelligence firm, also gave it above-average customer satisfaction rankings in various regions. Finally, it scored well on the NAIC Complaint Index, revealing its low volume of complaints.

Learn more about the company’s ratings below.

Erie car insurance coverage options

Erie offers standard state-minimum required insurance coverage, which includes liability insurance and — depending on your state — may also include personal injury protection and uninsured/underinsured motorist coverage. It also offers full-coverage car insurance, which contains collision and comprehensive coverage.

This auto insurance company offers a wide range of unique coverage options and features — more than some of its competitors in the industry. The company also has complimentary coverages for policyholders, like accident forgiveness, that other insurers may charge an extra premium for.3

Here are several of the coverage options that Erie offers:

Other options for Erie customers

Take a look at a few non-car insurance products that Erie offers:

• Home insurance: A home insurance policy protects your home’s structure and your personal belongings after a covered peril, like fire, theft, or a natural disaster. It also comes with personal liability coverage if someone sues you or another member of your household.

• Renters insurance: Renters insurance protects your personal property after a covered loss and provides liability protection.

• Business insurance: This coverage safeguards your businesses from risks like property damage, liability, and employee-related incidents.

• Motorcycle insurance: Motorcycle insurance replaces or repairs your motorcycle after a covered accident and offers liability coverage for bodily injuries and property damages you cause.

• Life insurance: A life insurance policy provides a death benefit to your beneficiaries if you pass away during your policy term.

How Erie YourTurn works

Erie YourTurn uses telematics data from a mobile app on your smartphone to monitor your driving. The app tracks habits such as your driving smoothness, speed, and phone use. It then utilizes that information to generate a score. 

Based on your score, you’ll receive driving rewards instead of a policy discount. You can choose to redeem your rewards in the form of gift cards, cash, or charitable donations.

Erie doesn’t use data from the app to determine your insurance rates, so you don’t need to worry about them increasing. It’s worth mentioning that you must drive a minimum of 50 miles during a two-week scoring period to start earning rewards.4

Erie Insurance FAQs