- Erie auto insurance: Overall verdict
- What auto insurance coverages does Erie offer?
- How does Erie Insurance rank?
- How much is Erie car insurance?
- Erie car insurance rates by state
- Erie Insurance rates for teens
- Erie Insurance rates for adults
- Erie Insurance rates for seniors
- Erie insurance rates for drivers with tickets, accidents and poor credit
- Erie insurance discounts and ways to save
- What do people ask about Erie Insurance?
- Sources & Methodology
Erie auto insurance: Overall verdict
Erie rated very highly in our study of the Best Car Insurance Companies of 2026. It was not ranked against national companies, but was second among regional carriers. It has low premiums and high customer satisfaction ratings and an overall score of 4.50 stars out of 5.
Erie wasn’t rated as well by customers on discounts, but it had solid scores across the board in our survey.
What auto insurance coverages does Erie offer?
Erie offers a complete line of car insurance coverages, as well as policies for home, condo, life, and business.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- Rideshare coverage
- First accident forgiveness
- Windshield replacement
- Rental car reimbursement
- Golf cart and classic car coverage
- New car replacement
How does Erie Insurance rank?
Erie was not ranked against national insurance providers due to its limited availability, but was the second-best-rated company among all regional insurers. Had it been ranked, it would have earned a third-place finish. It offers the lowest premiums and has excellent customer satisfaction ratings. Credit rating agency AM Best also gives it a strong A rating.
The company also scored well above the study average of 667 in the 2025 J.D. Power shopping satisfaction study and had the top score in the research firm’s auto claims satisfaction survey.
Here’s a look at how it compared to competitors.
| Company | AM Best | Customer satisfaction | NAIC* | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Erie Insurance | A | 92% | 0.772 | $159 | 4.5 |
| Auto-Owners | A+ | 86% | 0.443 | $171 | 4.55 |
| American Family | A | 84% | 0.669 | $159 | 4.44 |
| Auto Club Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | A | 92% | 1.021 | $251 | 3.68 |
| Mercury | A | 89% | 1.072 | $270 | 3.56 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Erie car insurance?
The average full coverage rate for a 40-year-old driver with Erie is $1,906 per year or $169 per month. Auto-Owners has the second-lowest rates at $2,051 per year.
Low premiums are Erie’s strongest selling point. It consistently offers some of the lowest premiums for drivers in the 12 states it services.
Here is a comparison of rates with several competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Erie Insurance | $1,906 | $159 |
| American Family | $1,912 | $159 |
| Auto Club Enterprises (AAA) | $2,917 | $243 |
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| Auto-Owners | $2,051 | $171 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Mercury Insurance | $3,237 | $270 |
Erie car insurance rates by state
Drivers in North Carolina and Ohio will find they qualify for some of the best rates with Erie, while those in West Viriginia and New York can expect to pay some of the most expensive rates Erie has on offer.
Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs.
Here’s a look at average annual Erie car insurance rates by state for a 40-year-old driver.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Illinois | $316 | $358 | $2,018 |
| Maryland | $547 | $605 | $1,906 |
| North Carolina | $309 | $346 | $1,168 |
| New York | $737 | $804 | $2,415 |
| Ohio | $238 | $286 | $1,541 |
| Pennsylvania | $266 | $367 | $1,848 |
| Tennessee | $290 | $387 | $2,004 |
| Virginia | $424 | $430 | $1,736 |
| Wisconsin | $225 | $261 | $1,951 |
| West Virginia | $348 | $430 | $2,092 |
Erie Insurance rates for teens
The average cost of a teen car insurance policy at Erie is $4,634 a year.
As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Erie, but rates come down substantially by the time you enter your 20s.
Here’s what a teenage driver can expect to pay with Erie compared to average rates at other ages and with other companies.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Erie Insurance | $4,634 | $3,057 | $1,906 |
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Enterprises (AAA) | $9,274 | $5,103 | $2,917 |
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| Auto-Owners | $5,107 | $3,323 | $2,051 |
| CSAA Insurance (AAA) | $10,946 | $4,922 | $3,010 |
| Mercury Insurance | $12,251 | $5,405 | $3,237 |
Erie Insurance rates for adults
A 25-year-old male driver will pay $2,430 per year, and the same driver will pay $1,874 per year at age 40.
While it can vary slightly by insurance company, adults will pay some of their cheapest rates between 55 and 60. At Erie, rates begin to creep upwards for adults at about 60, with the lowest rates around age 55. At 55, Erie’s rates average $1,711 for a male driver and $1,637 for a female.
Here’s what adults can expect to pay on average for full coverage car insurance with Erie at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,430 | $2,581 |
| 30 | $2,048 | $2,184 |
| 35 | $1,918 | $2,015 |
| 40 | $1,874 | $1,939 |
| 45 | $1,808 | $1,835 |
| 50 | $1,759 | $1,734 |
| 55 | $1,711 | $1,637 |
| 60 | $1,724 | $1,622 |
Erie Insurance rates for seniors
At Erie, the average cost of car insurance at age 65 is $1,821 for a male and $1,698 for a female. There is evidence that driving becomes riskier as we age due to slower reflexes, weaker eyesight, and other factors related to aging.
While senior car insurance is a little more expensive, it’s not nearly as high as the rates for teen drivers, as seniors have a lot of experience on the road.
Here’s what older drivers can expect to pay for full coverage with Erie at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $1,821 | $1,698 |
| 70 | $1,994 | $1,866 |
| 75 | $2,291 | $2,163 |
Erie insurance rates for drivers with tickets, accidents and poor credit
Erie’s rates for drivers with poor credit are about 55% higher than those for drivers with a clean driving record, indicating that the company gives credit a lot of weight.
Your driving record is another good risk indicator, as previous tickets and accidents increase the risk of more in the future. This, along with factors like your credit history, make up your driver profile.
A poor credit rating is statistically correlated with an increased likelihood of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and many insurers hike rates as a result; Erie raises rates more for poor credit than for a speeding ticket or accident.
Erie insurance discounts and ways to save
Erie is already the lowest-priced car insurer among the top 15 carriers, but you can qualify for a discount to lower your rate even further.
Like most carriers, Erie offers a wide range of discounts for bundling policies, installing safety devices, and paying your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. up front. Discounts range from about 5% to 30%, and it is possible to qualify for multiple discounts.
Erie car insurance discounts include the following:
- Multi-car and multi-policy discounts
- Installed car safety equipment
- Reduced usage
- Young drivers
- Annual payment plan
- Accident forgiveness after 3 years
- Diminishing deductible
- Storing your vehicle for 90 days or more
- Going away to college
What do people ask about Erie Insurance?
Why is Erie Insurance so cheap?
Many factors go into how an insurance company calculates rates, but the biggest is risk. Companies reduce risk by charging more to riskier drivers and less to good ones. Some companies position themselves to avoid higher-risk drivers, which lowers rates for all of their customers. Serving a more limited area helps, too. Erie doesn’t offer coverage in high-risk states like Florida. Of course, Erie may not be cheap for everyone.
What is Erie Rate Lock?
Rate lock is an option you can add to your policy that ensures your rate will not go up on renewal. With rate lock, only certain changes to your policy, like adding a new vehicle, will affect your rates. However, you may pay more for a rate lock policy than for one without it.
Is Erie a good insurance company?
In our survey, customers gave Erie top marks for customer satisfaction and J.D. Power ranked it at No. 1 for auto claims satisfaction.
The primary downside of Erie is the limited number of states it serves. It’s only available in 12 states.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Source:
Erie website, “Auto Insurance Discounts.” Accessed March 2026.
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