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Erie Insurance Overview

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

Erie Insurance provides insurance and other auto financing services to customers back East. The insurance coverage is rather basic, but there are opportunities to add-on and improve the policy. Other benefits of the Erie Insurance platform include:

Coverage Features:

Erie Insurance offers their customers the following coverages:

  • Property damage – Yes
  • Bodily injury liability – Yes
  • Uninsured motorist – Yes
  • Personal injury- Yes
  • Collision – Yes
  • Comprehensive – Yes
  • Medical payments – Yes
  • Rental – Yes
  • Emergency road service – Yes

Of note are some of Erie Insurance’s added coverages, such as that of limited veterinary bills if a pet is injured in an accident. Additionally, policyholders receive compensation of up to $1000 if a pet is killed in an automobile accident.

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:

In order to compare companies, the Review Team used the same base information to request a quote from companies. Since auto insurance is highly dependent on several factors for its pricing, this practice, while not perfect, provides a baseline. Information used to obtain a quote from Erie Insurance was for a 27-year-old, driving a 2011 Toyota Camry. The company offered a rate of $113.25 per month with paid-in-full discount included of a one-time annual payment of $1,359.00.

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:

  • Safe driver
  • Accident forgiveness – Optional and for an added cost
  • Good student – High school or college students
  • Multi-vehicle
  • Pay in full
  • Age 55 or Over
  • Passive Restraints
  • Anti-Theft Devices
  • Anti-Lock Brakes
  • Multi-Policy
  • Longevity
  • Payment Plan
  • Life Multi-Policy
  • Youthful Driver
  • Auto Accident Prevention Course
  • Driver Training
  • Reduced Usage

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.


Erie Insurance was founded in 1925 and has been providing automobile coverage to their clients ever since.

The Bad

While there are a number of services and features that make Erie Insurance a quality choice for auto coverage, there are limitations to the platform as well. These drawbacks include the following items:


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.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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