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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Erie Car and Home Insurance Review (2024)

Published on:
Content was accurate at the time of publication.

Erie is a very good company for car and homeowners insurance. It offers low rates and earns high customer service scores. It’s only available in 12 states and the District of Columbia.

Find the Cheapest Car Insurance Quotes in Your Area

Pros

 Cheaper car and home insurance rates than most companies

 Highest home satisfaction rating from J.D. Power

 Comprehensive auto includes no-deductible glass repair

 Guaranteed home replacement cost for no extra charge

 Rate lock coverage protects against price increases

Cons

 Only available in 12 states and the District of Columbia

 Limited home and auto insurance discounts

Erie is a very good insurance company to contact for insurance quotes. It offers cheaper rates than most larger companies while also receiving high customer service ratings and reviews.

Erie has a higher overall home satisfaction rating from J.D. Power than every other company except USAA. But USAA is only available to the military community.

The National Association of Insurance Commissioners (NAIC), which reviews confirmed complaints, also gives Erie favorable ratings. In 2023, Erie had fewer confirmed home and auto complaints than average for its size.

Erie customer service ratings at a glance

RatingErie’s scoreIndustry average
Overall auto satisfaction (higher is better)855820
Overall home satisfaction (higher is better)856819
Auto complaint rating (lower is better)0.931.0
Home complaint rating (lower is better)0.611.0
Financial strengthA+ by AM BestA+ is the second-highest possible rating

Sources: J.D. Power, NAIC, AM Best

Erie’s car insurance quotes average $497 a year, or $41 a month, for liability coverage. Its full-coverage quotes average $1,270 a year, or $106 a month.

These rates are 36% less than national averages.

Erie car insurance rates vs. other companies

CompanyLiability coverageFull coverage
Erie$497$1,270
Auto-Owners$516$1,690
State Farm$597$1,487
Country Financial$623$1,600
Geico$727$1,937
American Family$728$1,920
U.S. average$773$1,972
Progressive$791$2,032

Liability car insurance includes the minimum coverages required in each state. It pays for injuries and damage you cause to others.

Full-coverage car insurance includes collision and comprehensive, which cover damage to your own car.

Erie car insurance rates by state

Erie is only available in 12 states and the District of Columbia. Its full-coverage rates range from $786 a year in North Carolina to $1,779 a year in the district.

Erie car insurance rates by state

StateLiability coverageFull coverage
District of Columbia$660$1,779
IllinoisNANA
IndianaNANA
KentuckyNANA
Maryland$891$1,730
New York$868$1,678
North Carolina$317$786
Ohio$318$929
Pennsylvania$338$1,161
Tennessee$437$1,288
Virginia$450$1,086
West Virginia$399$1,272
Wisconsin$293$991

Rates not available (NA) for every state where Erie offers car insurance.

Erie’s low rates make it a good company for drivers with a ticket, accident or DUI to contact for a quote.

  • Erie charges drivers with a speeding ticket $1,456 a year, or $121 a month, for full coverage. This is 40% less than the national average.
  • Erie’s quotes for drivers with a prior accident are 45% lower than the national average.
  • Its rates for drivers with a DUI are 40% lower than the national average.

Insurance rates for drivers with a prior incident

Prior incidentErie’s annual rateU.S. average
Speeding ticket$1,456$2,427
At-fault accident$1,597$2,930
DUI$2,172$3,626

Erie is a good car insurance company for young drivers because it offers them reasonable rates. The company charges 18-year-olds $1,264 a year for liability insurance. This is 48% less than the national average.

Erie’s car insurance rates for 18-year-olds

Type of policyErie’s annual rateU.S. average
Liability$1,264$2,433
Full coverage$3,086$5,824

Erie’s rates are already low, but it offers a few car insurance discounts that can help you save more.

You can save the most by bundling your home insurance with an Erie auto policy.

Some of the other discounts to look for on your Erie quote include:

  • Vehicle safety: You can earn a discount if your vehicle has air bags, an anti-theft device and/or anti-lock brakes.
  • One-time payment: Like most companies, Erie charges you less if you pay in full up front.
  • Driver training: Drivers under 21 get a discount for completing a state-accredited driving training program.
  • College student at school: Parents can earn a discount when their child heads off to school without a car.

Many other companies offer the same discounts as Erie. However, the terms and availability of each discount vary by company and state.

Erie car insurance discount comparison

DiscountErieState FarmProgressiveGeico
BundlingYesYesYesYes
Vehicle safetyYesYesNoYes
Driver trainingYesYesNoNo
Child at collegeYesYesYesNo

What does Erie car insurance cover?

Erie’s standard policies offer the basic car insurance protections most people need at affordable rates. Erie also offers unique protections that usually don’t cost too much to add.

Erie’s Rate Lock feature protects you from future rate increases. Your rate stays the same until you make big changes to your policy, like adding a car or moving.

Erie’s other unique coverages include:

  • Pet coverage, which pays to treat injuries your pet suffers in a car accident
  • Zero-deductible glass repair included with collision coverage
  • Up to $350 for belongings in your vehicle, also included with collision and comprehensive

Erie charges an average of $2,055 a year, or $171 a month, for homeowners insurance. This is 25% less than the national average.

CompanyAnnual rateMonthly rate
Erie$2,055$171
State Farm$2,427$202
Allstate$2,560$213
Progressive$2,648$221
U.S. average$2,801$233
Country Financial$2,827$236
Nationwide$3,055$255
American Family$3,072$256
Travelers$3,149$262

Find the Cheapest Home Insurance Quotes in Your Area

Erie home insurance rates by state

In the states where it is available, Erie’s home insurance rates range from $1,222 a year in Wisconsin to $6,154 in North Carolina.

StateAnnual rate
District of ColumbiaNA
Illinois$2,075
Indiana$1,453
KentuckyNA
Maryland$1,663
New YorkNA
North Carolina$6,154
Ohio$1,242
Pennsylvania$1,311
Tennessee$2,332
Virginia$1,697
West Virginia$1,399
Wisconsin$1,222

Rates not available (NA) for every state where Erie offers home insurance.

Erie only offers a few of the normal home insurance discounts that most companies offer.

These include discounts for bundling your home and auto insurance and for having safety devices in your home. You can also get discounts for getting a quote at least seven days before your policy’s start date.

Erie home insurance discount comparison

DiscountErieState FarmAllstateTravelers
BundlingYesYesYesYes
Safety devicesYesYesYesYes
Advance quoteYesNoYesYes

What does Erie cover with homeowners insurance?

Although it offers basic homeowners insurance at an affordable price, Erie stands out for its extras.

Its standard policies usually include guaranteed replacement cost coverage at no extra charge. This covers rebuilding costs that exceed your policy’s limits. Guaranteed replacement is not widely available and usually costs extra.

Erie’s extended water coverage is a unique add-on worth noting, too. Most home insurance companies offer optional coverage for sewer and drainage backups. Along with covering these backups, Erie’s extended water coverage gives you limited flood protection, too.

Methodology

LendingTree obtains rates from public insurance company filings reported to Quadrant Information Services.

Car insurance rates are based on an analysis of quotes from every ZIP code in nine states and the District of Columbia. Home insurance rates are based on quotes from 10 states.

Unless otherwise noted, our sample driver is a 30-year-old male with good credit and a clean driving record. The sample vehicle is a 2015 Honda Civic EX.

Liability policies include the minimum car insurance coverages required in each state.

Full-coverage policies include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

Homeowners policies include:

  • Dwelling coverage: $400,000
  • Other structures: $40,000
  • Personal property: $200,000
  • Personal liability: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000

Customer service ratings and reviews are from:

  • Auto customer satisfaction: J.D. Power 2023 U.S. Auto Insurance Study
  • Home customer satisfaction: J.D. Power 2023 U.S. Home Insurance Study
  • Home and auto complaint scores: National Association of Insurance Commissioners, 2023

Rates are shown for comparative purposes only. Yours may vary.