Erie Insurance was founded in 1925 and is headquartered in Pennsylvania. The company offers their financial services and insurance products to many in the eastern United States. The company offers their customers all of the basic coverages which one can expect in an auto insurance policy, with several added features. Some of the added features and benefits are available without adding additional charges to the policyholder.

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The Good

  • Coverage features
  • Price range
  • Service coverage
  • Discounts
  • File/track claims

Coverage Features

Erie Insurance offers their customers the following coverages:

  • Bodily Injury
  • Property Damage
  • Uninsured
  • Underinsured Motorist Coverage
  • Medical Payments
  • Comprehensive
  • Collision

It is important to note, that since each state requires different coverages by law, some features may be greater in different areas, and not available in others.

Price Range

On average, an auto policy from Erie Insurance costs $101.38.

Service Coverage

Erie is licensed to serve customers in District of Columbia, Illinois, Indiana, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.


Erie offers the following discounts for their policyholders:

  • Accident foregivness
  • Feature 15
  • Multicar
  • Multi-policy
  • Passive restraints
  • Antitheft
  • Antilock
  • Youthful driver
  • Driver training
  • Youthful longevity
  • College student
  • Age 55 and over
  • Accident prevention course
  • Reduced usage
  • Payment plans

File/Track Claims

Policyholders can file auto insurance claims online as well as track the status of their claim. This functionality is more common in the industry than not. Erie Insurance makes it easy for their policyholders to remain informed throughout the stressful process following an accident.

The Bad

  • Coverage
  • Pricing questions


The ability an auto insurance provider has to service as many clients as possible is something to be taken into consideration. At this time, Erie Insurance only operates in eleven of the fifty states in the country. That means that a vast majority of the nation will not be able to take advantage of their services. With a limited coverage area, there may be a number of consumers who will have to look elsewhere for auto insurance.

Pricing Questions

While averages can be determined for policy costs, there will be variation in terms of what the actual policy will be priced at. A number of factors go into determining how much a policy costs on a monthly, semi-annual, or annual basis. For an exact estimate, customers will need to consult an Erie Insurance representative.

The Bottom Line

Erie Insurance is a solid option for those living in the states which they service. The company offers a competitive rate, multiple add-on coverages, and a full spectrum discount offering. Customers report satisfaction with customer service and the ease of receiving information online. Customers also report that during the process of an auto claim that they were easily able to file and track their claim. Erie Insurance is a quality option for auto insurance and there are enough other positive features present with Erie Insurance to merit the recommendation.

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