Erie Insurance Logo
star star star star star
63 User Reviews

7.0

Overall Score

LAST UPDATED: September 7th, 2021

Founded in 1925, Erie Insurance offers many advantages for car owners and drivers. Beyond the typical offerings for the industry, you can find coverage for pet injuries in an accident, protect yourself from rate increases, and include a death benefit payout in your policy.

You can benefit from online quotes or work with a licensed agent locally to purchase a policy. Licensed agents are also available to assist you through the claims process.

Erie Insurance has received mostly praise in reviews on BestCompany.com, which shows that the insurer offers a positive customer experience.

Read Erie Insurance Reviews

The insurance company has also received high financial strength ratings, which indicate that the company is financially stable. You can be confident when you purchase an ERIE insurance policy.

Top Ranked Companies

thumb_up

The Good

  • Positive Reviews
  • Competitive Coverage
  • Classic and Antique Car Coverage
  • Pet Coverage
  • Helpful Discounts
  • Rate Protection Feature
  • ERIE AutoPlus® 
  • YourTurn®

Positive Reviews

Erie Insurance has received mostly positive reviews on BestCompany.com. Reviewers mention satisfaction with pricing, customer service, and coverage.

Competitive Coverage

You can find all of the typical auto insurance coverages through Erie Insurance: liability, collision, comprehensive, underinsured or uninsured motorist, personal injury protection, and medical payments.

ERIE's comprehensive coverage includes locksmith services. You can also benefit from glass repair and up to $350 coverage for personal items.

In addition to the standard offerings, you can find the following:

  • New car protection
  • Better car protection
  • Rideshare driver coverage
  • Roadside assistance
  • Travel expenses (food and lodging) resulting from a covered loss

These optional coverages add value to your policy. The new car and better car protection options allow you to replace a totaled car with a newer model according to the policy terms. Although other carriers offer similar options, they are not common.

Roadside assistance is a common offering for the industry, but it can be harder to find coverage for unexpected travel expenses. If you're on the road frequently, these coverages can be particularly valuable.

Erie Insurance offers coverage for people insuring themselves and their cars. You can also find coverage options for additional or replacement autos or trailers, motorcycles, and cars you don't own.

Offering some of these harder-to-find options makes Erie Insurance stand out in the industry.

Classic and Antique Car Coverage

If you have a classic or antique car, ERIE can help you meet your insurance needs. Although details regarding coverage options are limited, you can add classic car coverage to your ERIE policy for your regular care to manage everything from one account.

Pet Coverage

Pet owners can add coverage for their pets to their auto policy. If your pet is injured in an accident, you can receive up to $500 per pet with a maximum of $1,000.

Pet coverage can be difficult to find in an auto insurance policy, so this offering makes Erie Insurance advantageous for pet owners.

Helpful Discounts

Like most car insurance providers, ERIE offers many savings opportunities. You can benefit from the following discounts:

  • Safe driver
  • Car safety features (e.g. air bags, anti-theft, etc.)
  • Multiple cars
  • Multiple policies
  • Annual payment plan

These are commonly offered discounts for the industry. You can also get a discount if you don't use your car for 90 consecutive days or if you have young drivers living at home. For the young drivers discount, they must be under age 21 and unmarried.

Beyond discounts, ERIE's policies offer first accident forgiveness (after you've been a policyholder for three years) and a feature that lowers your deductible annually for each claims-free year (up to $500 total). These features are becoming more and more common in the industry.

Rate Protection Feature

ERIE's auto insurance offerings stand out because of its rate protection feature you can add to your policy. Adding this feature means that you'll avoid rate increases unless you're adding or removing a car from your policy or changing your address (parking location). However, adding this feature doesn't mean that you'll automatically pass underwriting when you renew your policy.

Although unique and helpful, this rate lock feature isn't available in all states and can have some variation by location.

ERIE AutoPlus® 

When you're insuring your car, you can opt for ERIE Auto Plus®. This insurance product includes a diminishing deductible (which can be waived in some cases), coverage for transportation expenses, increased coverage limits, and a $10,000 death benefit if you or a relative die from an auto accident. ERIE's website advertises that this coverage costs up to $35 per year.

It's more common to see death benefits included with motorcycle insurance, so the inclusion in the auto insurance policy is another stand-out feature from Erie Insurance.

YourTurn®

On trend with the industry, Erie Insurance offers a driver monitoring program to encourage better driving habits. This program is called YourTurn®. You'll benefit from personalized suggestions and opportunities to earn cash every two weeks. You can even make it a friendly competition with your family members by sharing your scores.

Most insurers use their driver monitoring programs to offer discounts on premium rates. However, it's unclear if ERIE takes a similar approach.

thumb_down

The Bad

  • Regional Variation
  • Limited Availability

Regional Variation

You may find some variation in Erie Insurance's policy features depending on where you live. For example, some discounts are not available in North Carolina and Kentucky.

Keep these possible variations in mind as you learn more about what's offered in your area.

Limited Availability

Unfortunately, ERIE auto insurance isn't available throughout the United States. If you don't live in a state it serves, you'll need to find another auto insurance provider.

gavel

The Bottom Line

Erie Insurance offers many advantages to car insurance policyholders through its discounts, range of coverage options, and beneficial policy features.

You can find standard car insurance coverage, non-owner auto insurance, coverage for pets, classic car coverage, and more from ERIE.

You may also benefit from ERIE's discounts and savings features, many of which are common for the industry. In addition to these savings opportunities, you can add ERIE's rate protection feature that keeps your premium rate from fluctuating unless you add or remove cars or change where you keep your car. This feature has some variation by state and is not available in every state.

ERIE car insurance is worth exploring further if you live in one of the insurer's service areas.

View Best Auto Insurance Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.8

star star star star star

63 Reviews

Review Breakdown

5 grade

79%

4 grade

17%

3 grade

2%

2 grade

0%

1 grade

2%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

Ella Endicott, NY

Best customer service I had in years. Pleasant, kind and professional. They listen, answer, and can ask more questions if your case need it. Excellent value for your money! Excellent people! Bank withdrawal payment times can vary a day or two, but you can call them to adjust to a certain day. Calls take less than 7 minutes to problem shoot!!! Always the same amount They do what they say and say what they do—no Drama Just a breath of fresh air to insurance and service.

3 months ago

star star star star star

courtney tennant Salem, VA

Erie had a full coverage deal for my car for half the price of bigger named agencies and had easy to contact customer service

1 month ago

check_circle

Review Source

star star star star star_border

Leora Tucker Winston-Salem, NC

They give you low value insurance for a high price and use algorythmn knowing what your cookie is when they do this. They look for the poor riv take advantage of them.

2 weeks ago

star star star star star

Michael Kindschi Madison, WI

I've had car insurance with Erie for about six years. Our coverage is very good, and I haven't been able to find another company that can even match Erie's coverage and price. Plus, we have a local agent.

3 months ago

check_circle

Review Source

star star star star_border star_border

Fr. Ron Nuzzi South Bend, IN

Overall, responsive to consumer needs, though they still refuse to accept credit card payment for some policies. They need to get with the times and develop better and more consistent business practices. No issues with claims or adjusters.

2 months ago

check_circle

Review Source

star star star star star

J R Raleigh, NC

Erie has been my carrier on a commercial property for about 6 years and I recently sold this property and they were prompt in returning the unused portion of my premium.

2 months ago

check_circle

Review Source

star star star star star_border

Leonard Leo Potomac, MD

Erie has some of the lowest rates for young male drivers. Independent agents are the key to Erie's success or failure. I have been fortunate to have knowledgeable and courteous home office agents. However, recently Erie settled a claim when my car was hit and run. The local adjuster promptly issued a check for damages. However, the adjuster was never at their desk and rarely returned email or phone messages. I doubt the adjuster pursued the driver at fault, because I was never informed.

4 months ago

check_circle

Review Source

star star star star star

Clay Exton Silver Spring, MD

I have been with Erie since the 1970's and have always been treated fairly and fairly priced for all my home and auto needs. I plan to stay with Erie forever...

3 months ago

star star star star star_border

Rebecca Lester Salem, VA

Agent was great, Always available. Gave us coverage not available through other companies.

1 month ago

check_circle

Review Source

star star star star star

Nancy Louisville, KY

I switched to this company for home and auto insurance. I always check yearly for better rates. This company didn’t save on the auto but aced me around $1000 on homeowners with same amount policy. Unbelievable Thank you Joel

7 months ago

star star star star star

Yvonne Fink Frederick, MD

I have had insurance with Erie for over 30 years. I’ve had all my personal my home and my business with them. I have never had a problem if I need to file a claim. We were right on it and took care of everything without any questions.I highly recommend Erie insurance. They are my insurance company all these years, also my families. I have had many request from other companies saying they could save me money if I changed. But I would never leave Erie.

1 year ago

check_circle

Review Source

star star star star star

Anthony Bishop Charlotte, NC

Never had a claim, but the coverage I get for the premium I pay is far superior to the two prior companies I have used

2 months ago

check_circle

Review Source

star star star star star

Charles Brown Lititz, PA

Saved about 700 a year with better coverage. Local brick and mortar place. Very fast to respond to claims. Been a customer over 10 years now

3 months ago

check_circle

Review Source

star star_border star_border star_border star_border

Asha Pushkin Silver Spring, MD

We've had Erie insurance for several years, our daughter is on our insurance, recently someone had parked and its bumper was on top of her car, a police officer helped her take picture of the damage, but Erie refused to look at her case. When contacting the other persons insurance, Erie said the other insurance co. could not identify the owner, although my daughter had copy of its license plate. We are thinking of leaving Erie for another more reliable insurance co. that cares for its customers.

3 months ago

check_circle

Review Source

star star star star star

Pattytack Reynoldsburg, OH

I love Erie Insurance. They give me a low rate for both auto and home. I have never found rates this low. Will never change!

3 months ago

check_circle

Review Source

star star star star star

Chris Milke Olney, MD

Existing property customer who gets great service from a local agent. No issues with existing services/products, but would suggest less of a hard sell on the bundled products (car, home, life, etc.).

6 months ago

check_circle

Review Source

star star star star star

Nell Damascus, MD

Eerie insurance feels local. We can go into the office and meet with an agent anytime. They have reached out to us at times informing us of saving a or needs that we may not have known about.

6 months ago

star star star star star

TERENCE COURSEN

my local agent has always been there for us when we needed help . erie insurance has always been there when we needed help. fast to get our cars fixed when in an accident. pays out fast, also. been an awesome company for us. we stand by them and our local agent.

2 years ago

star star star star star

Susan Snyder

Their rates are reasonable. They have multiple discounts you can qualify for. The best thing is their customer service. If you have an accident you contact the office and people where you bought the insurance, not some impersonal 800 number. They take care of your problem right away without all the run-around I have gotten from other companies.

3 years ago

check_circle

Review Source

star star star star star

MoMo Fort Wayne, IN

Great customer service and great rates!!!

4 weeks ago

check_circle

Review Source

star star star star star

Robert

They have good customer service and have been helpful in finding the best price.

2 months ago

star star star star star

Brycen Blater Phoenix, AZ

Really affordable car insurance. Also, the customer service people are super friendly and easy to communicate with.

3 months ago

check_circle

Review Source

star star star star star_border

Juanita Morrison Columbus, OH

I’ve been an Erie customer for approximately six years and I’ve made a lot of changes. Erie has been fair, prompt, professional, and reliable.

3 months ago

check_circle

Review Source

star star star star star

hminfo Olney, MD

I like Erie Insurance because I like having a local representative for my insurance, and they also provide the best prices I have found.

4 months ago

check_circle

Review Source

star star star star star

Jeanne Breden Columbus, OH

We are a loyal customer of over 20 years. They always answer our questions quickly and process the claims we've had and made sure we were recognized as a loyal customer

6 months ago

star star star star star

Mary skalski Ellwood City, PA

They have never failed in the forty plus years I've had Erie to quickly respond to a problem and to help in a fast way. They also have seen ways we can save and that has helped keep our rates low. I trust them.

3 years ago

check_circle

Review Source

star star star star star

anupam sumessur Lorton, VA

Very professional. Responsive and attentive to your queries. I have both home and auto insurance. Totally worth it

3 months ago

check_circle

Review Source

star star star star star

Stan & Cami Lero Akron, OH

We've been a longtime customer of Erie insurance. I their customer service is excellent. Their cost is an excellent value.

7 months ago

star star star star star

Deeded Garrett, IN

I ust had an accident on the 4th of february and i a will have a check from Erie tomorrow as staed by a phone call to m that the check is in the mail. How quick is that!

3 years ago

star star star star star

David Chock

The company's premium cannot be beat by other companies. Erie returned part of premium without being asked. It has been very responsive to questions we posed.

3 years ago

check_circle

Review Source

star star star star star_border

Rhona Leffler Olney, MD

Erie insurance provides good coverage at competitive rates. My agent is knowledgeable and responsive.

4 months ago

check_circle

Review Source

star star star star star

James Hare South Orange, NJ

It's easy to file claims and they're covered in timely fashion. They were quicker than the mechanic by far

7 months ago

star star star star star

Kim Culpeper, VA

They are easy to deal with and cheaper than any insurance I’ve ever had. They have provided me with great home and car coverage for the past 6 years

1 year ago

star star star star star

Nancy P Erie, PA

This is an awesome company with top notch service. They really care about their policyholders. I would have no other company.

2 years ago

check_circle

Review Source

star star star star star_border

Tiffany I Gaithersburg, MD

Currently with Erie and I’m cancelling my policy. The agents were helpful but rates are much cheaper with Geico. Their homeownership insurance policies were more competitive though.

1 year ago

check_circle

Review Source

star star star star star

Colleen Elmira, NY

Great rates and great customer service!!

3 months ago

check_circle

Review Source

star star star star star

Kenny brayboy Lancaster, PA

Great agents that helps me with all of my insurance needs

3 months ago

star star star star star

Bill Watkins

Best customer service you could ever experience. Also the best rates. Bundled with homeowners insurance

1 year ago

star star star star star

Mark P Boone

Provide excellent service at a reasonable cost. I have used Erie for 25 years for home, auto and umbrella coverage.

1 year ago

star star star star star

Edward & Mary Wilson

I have been insured with Erie for over 30 years. Their service is excellent, their prices reasonable.

3 years ago

star star star star star

Todd Homitz Evans City, PA

Was recently in a car accident and the process was simple to report and great customer service. Walked me through everything I needed to do.

1 year ago

check_circle

Review Source

star star star star star_border

Christopher Milke Olney, MD

Satisfied customer for insurance products. Having local agent is amazing.

4 months ago

star star star star star

Troy

They are a great company. They are very professional and always ready to help out

1 year ago

star star star star star

Andrew Effross

They are the best Ive been with them for 30 years. Lowest pricing and best custoer service

3 years ago

star star star star star

Edward and Betty Miller

Always there to help when I have a claim. They are always polite and very helpful.

3 years ago

star star star star star_border

Juan Beaver, PA

Erie insurance was decent i never had issues with them but i also never had to make a claim i would recommend them depending on price.

1 year ago

check_circle

Review Source

star star star star star

Taylor Siren Gilbert, AZ

Erie has amazing customer service that helps you receive the coverage you need for the lowest price.

3 years ago

star star star star star

Lewis

They have been there when we need them. The staff is outstanding

1 year ago

star star star star star

Joylinn Lancaster, PA

They have great customer service. I am satisfied with them so far.

2 years ago

star star star star star

Stacy Sams Gastonia, NC

Lowest price insurance I found. I've never had an issue with them.

3 years ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information