Erie Auto Insurance Review 2020

Erie is one of the best auto insurance providers on the market, despite the fact that it only serves 12 states.

J.D. Power Rating
2/5
AM Best Rating
A+
Standard & Poor’s
AA
SimpleScore
4.2 / 5.0
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SimpleScore Erie 4.2
Discounts 3
Coverage Options 5
Customer Satisfaction 4
Support 5
Accessibility 4

The company consistently earns top ratings from industry research organizations, is financially strong and has above-average customer service reviews.

The company offers unique features and extensive add-on coverage, including rate lock programs. Drivers can take advantage of discounts to lower their premium, like bundling policies and paying their policy in full.

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    In this article

      Erie insurance overview

      If you’re looking for comprehensive auto insurance with the ability to personalize your policy, Erie is a great option. The company is known for its reliable basic coverages, like collision and comprehensive insurance, and add-ons such as roadside assistance, new car replacement, better car replacement and rental car reimbursement. Erie’s policies also include pet injury coverage, locksmith services and auto glass repair.

      Additionally, Erie offers unbeatable pricing and deductible options. Drivers can take advantage of Erie Rate Lock, first accident forgiveness and a diminishing deductible program to avoid a rate hike after an accident.

      Erie’s car insurance rates are slightly more expensive than some competitors, but drivers can access a few discounts. According to the website, Erie offers an average policy bundling discount of 20 percent

      Getting an insurance quote from Erie is simple. You can use the online quote tool to get a free rate estimate, but you’ll have to contact the company to purchase a policy. Erie generally has good customer service reviews, and over 12,000 agents across the 12 states it serves.

      If you’re purchasing auto insurance for the first time, we recommend working with an Erie agent. The company doesn’t provide many online resources that are geared toward insurance education. Its CarSense blog provides some helpful information, but it’s not as comprehensive as what other providers offer.

      In terms of reviews, Erie is one of the highest-rated companies. It was rated the best auto insurance provider in the mid-Atlantic region in J.D. Power’s 2019 U.S. Auto Insurance Study, with a 5-star rating for overall satisfaction. It has an A+ financial strength rating from AM Best and an A+ rating from the BBB.

      PriceVaries
      Best forDrivers who want extensive and customizable coverage options
      Not forDrivers who want the cheapest policy
      DiscountsSafe driving
      Car safety equipment
      Multi-car
      Multi-policy
      Reduced usage
      Young drivers
      Annual payment plan
      States servedIllinois
      Indiana
      Kentucky
      Maryland
      North Carolina
      Ohio
      Pennsylvania
      Tennessee
      Virginia
      Washington, D.C.
      West Virginia
      Wisconsin
      In business since1925
      Better Business Bureau ratingA+
      Moody’s ratingN/A
      Standout featuresRate lock
      Diminishing deductible
      First accident forgiveness
      New and better car replacement coverage
      Locksmith services
      Glass repair
      Pet injury coverage

      Erie insurance rates

      Erie isn’t known for selling the cheapest auto insurance rates, but its premiums are reasonable considering the level of coverage and service you get. If you’re looking for the least expensive premiums on the market, we wouldn’t recommend Erie.

      To gauge Erie’s average price, we got sample quotes for a 27-year-old single female living in Arlington, VA. The quotes are for a 2015 Honda CR-V, with $100,000/$300,000 in bodily injury coverage, $5,000 in medical payments coverage and $100,000 in uninsured/underinsured motorists property damage coverage. We chose a $500 deductible for collision and comprehensive coverage.

      Overall, our sample premium quote came to $1,110 per year, or about $101 each month. By default, the quote also included roadside assistance and rental car reimbursement up to $750 per loss, which cost an additional $19 per month.

      The Simple Dollar’s Erie auto insurance review

      We recommend Erie for drivers who live in the 12 covered states. Here’s a look at Erie’s coverage options, discounts and unique features.

      Erie coverage options

      Erie has the basics plus a few helpful add-on options:

      • Collision
      • Comprehensive
      • Liability
      • Uninsured/underinsured motorist
      • Medical payments
      • Transportation expenses/rental car reimbursement
      • Roadside assistance
      • New and better car replacement coverage
      • Ridesharing
      • Non-owners insurance
      • Pet injury coverage
      • Locksmith services
      • Auto glass repair
      • Personal item coverage

      Erie discounts

      • Safe driving
      • Car safety equipment
      • Multi-car
      • Multi-policy
      • Reduced usage
      • Young drivers
      • Annual payment plan

      Other unique features

      • Rate lock
      • First accident forgiveness
      • Diminishing deductible

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Erie’s competition

        Besides Erie, there are a few notable auto insurance providers in the mid-Atlantic region that stand out. For instance, Geico, which was ranked just behind Erie in J.D. Power’s Auto Study, is known for offering some of the most affordable rates in the industry.

        Older drivers might prefer to purchase a policy from The Hartford, which has a 4-star rating from J.D. Power and a strong partnership with AARP, which comes with discounts.

        State Farm and Progressive have three-star and two-star ratings from J.D. Power respectively, and while their customer service isn’t as good as Erie, their policies are cheaper and they offer added savings programs.

        What others are saying

        Other organizations also give high praise to Erie’s auto insurance. According to Business Insider, “While it’s not available everywhere in the US, Erie Insurance is a solid choice for a variety of scenarios, and offers fairly affordable rates,” adding, “If you live in one of the states it covers, Erie could offer competitive premiums and great customer service.”

        Overall, these statements from Business Insider reflect what we found in our review of Erie auto insurance. The company does offer exceptional customer service, and while it’s not the cheapest insurance provider, the policies are relatively affordable.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Elizabeth Rivelli

        Contributing Writer

        Elizabeth is a contributor to The Simple Dollar, where she reviews insurance providers and policies. She has more than three years of experience writing for top online insurance and finance publications, including Bankrate, Coverage.com and Reviews.com.

        Reviewed by

        • Aylea Wilkins
          Aylea Wilkins
          Insurance Editor

          Aylea Wilkins is an editor specializing in insurance for The Simple Dollar. After getting a degree in European studies and editing from Brigham Young University, she worked as a writer and editor for a variety of small websites before transitioning to the insurance field.