Erie Car and Home Insurance Review (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
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.
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 reviews: Is Erie a good insurance company?
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
| Rating | Erie’s score | Industry average |
|---|---|---|
| Overall auto satisfaction (higher is better) | 855 | 820 |
| Overall home satisfaction (higher is better) | 856 | 819 |
| Auto complaint rating (lower is better) | 0.93 | 1.0 |
| Home complaint rating (lower is better) | 0.61 | 1.0 |
| Financial strength | A+ by AM Best | A+ is the second-highest possible rating |
Sources: J.D. Power, NAIC, AM Best
How much are Erie’s car insurance quotes?
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
| Company | Liability coverage | Full 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
| State | Liability coverage | Full coverage |
|---|---|---|
| District of Columbia | $660 | $1,779 |
| Illinois | NA | NA |
| Indiana | NA | NA |
| Kentucky | NA | NA |
| 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.
Is Erie good for drivers with a ticket, accident or DUI?
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 incident | Erie’s annual rate | U.S. average |
|---|---|---|
| Speeding ticket | $1,456 | $2,427 |
| At-fault accident | $1,597 | $2,930 |
| DUI | $2,172 | $3,626 |
Is Erie good for young drivers?
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 policy | Erie’s annual rate | U.S. average |
|---|---|---|
| Liability | $1,264 | $2,433 |
| Full coverage | $3,086 | $5,824 |
Does Erie offer car insurance discounts?
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
| Discount | Erie | State Farm | Progressive | Geico |
|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes |
| Vehicle safety | Yes | Yes | No | Yes |
| Driver training | Yes | Yes | No | No |
| Child at college | Yes | Yes | Yes | No |
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
How much does Erie charge for homeowners insurance?
Erie charges an average of $2,055 a year, or $171 a month, for homeowners insurance. This is 25% less than the national average.
| Company | Annual rate | Monthly 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 |
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.
| State | Annual rate |
|---|---|
| District of Columbia | NA |
| Illinois | $2,075 |
| Indiana | $1,453 |
| Kentucky | NA |
| Maryland | $1,663 |
| New York | NA |
| 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.
Can I get home insurance discounts from Erie?
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
| Discount | Erie | State Farm | Allstate | Travelers |
|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes |
| Safety devices | Yes | Yes | Yes | Yes |
| Advance quote | Yes | No | Yes | Yes |
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.