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Erie Auto Insurance Review: Rare Protections and Top-Notch Customer Service

Review Updated
Kailey Hagen
Author: Kailey Hagen
Kailey Hagen
Kailey Hagen
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Kailey Hagen has been writing about small businesses and finance for almost 10 years. Articles she's written for The Motley Fool have been syndicated to USA Today, MSN, and Yahoo! Finance. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.

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Ashley Maready
Fact Checked: Ashley Maready
Ashley Maready
Ashley Maready
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Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.

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Erie Auto Insurance offers the total car insurance package: comprehensive policies, affordable rates, and top-notch customer service. It also stands out for its unique coverage options that enable drivers to build policies tailored to their needs. Check out our full Erie Auto Insurance review below for an in-depth look at what it has to offer.

Logo for Erie Auto Insurance
Best for predictable pricing year over yearErie Auto Insurance
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Erie stands out for its excellent customer service and rare protections. Drivers can easily customize a policy that suits them and they can even lock in their car insurance rate if they want. When the time comes to file a claim, Erie's customers can rest easy knowing they're working with one of the industry leaders in claims satisfaction.

Pros

  • Great customer service
  • Rare policy features are standard
  • Ridesharing coverage
  • ERIE Rate Lock option

Cons

  • Limited availability

Full Erie Auto Insurance review

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Monthly premium costs

Erie Auto Insurance's monthly auto insurance premiums fall below the national average for many drivers, including young drivers and those with accident histories. Here's a closer look at how much the company charges drivers in several scenarios.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$157.92 $151.25 $220.58 $399.67
Data source: Motley Fool Money's analysis of standardized personas.

Cost comparison

Erie Auto Insurance has below average rates for most drivers. The table below highlights how its premiums for several common driver profiles stack up to the national average.

Erie Auto Insurance Average Rate National Average Rate
Clean Driving Record $1,855 $2,389
Accident on Record $2,647 $3,370
Speeding Ticket on Record $2,106 $3,032
DUI on Record $3,081 $4,380
18 Years OId - New Driver $4,796 $6,291
65 Years Old - Senior $1,746 $2,140
Military Service $1,815 $2,375
Minimum Coverage (Liability Only) $562 $787
Data source: Motley Fool Money's analysis of standardized personas.

Discounts

Erie's list of auto insurance discounts isn't quite as long as some of its competitors. But it still offers drivers several opportunities to save. Its multi-policy discount, in particular, is pretty substantial.

  • Annual payment plan
  • Car safety equipment
  • Multi-car
  • Multi-policy
  • Reduced usage
  • Safe driving
  • Young drivers

Coverage

Policy types

  • ATV
  • Auto
  • Boat
  • Collector/classic car
  • Golf cart
  • Motorcycle
  • RV
  • Snowmobile

Erie covers all the major types of vehicles that other major auto insurers do. This makes it a great fit for those who hope to insure several types of vehicles in one place.

Coverage types

  • Auto glass repair
  • Better car protection
  • Bodily injury liability
  • Collision
  • Comprehensive
  • Diminishing deductible
  • ERIE Auto Plus
  • ERIE Rate Lock
  • First accident forgiveness
  • Locksmith services
  • Medical payments
  • New car protection
  • Personal injury protection (PIP)
  • Personal item
  • Pet injury
  • Property damage liability
  • Rental car
  • Ridesharing
  • Roadside assistance
  • Underinsured motorist
  • Uninsured motorist

Erie offers all auto insurance protections required by law as well as collision and comprehensive coverage, which many lenders require. In addition, it has a number of optional protections, including some drivers rarely see elsewhere, like Rate Lock and pet injury coverage.

Customer service and ratings

Erie Auto Insurance scored above average in every region it appeared in, in the latest J.D. Power U.S. Auto Insurance Study. It even took the top spot in the North Central and Mid-Atlantic regions. It also fared well in J.D. Power's U.S. Auto Claims Satisfaction Study, scoring No. 2 out of 24 companies.

Other insurance available

  • Erie business auto insurance
  • Erie business insurance
  • Erie condo insurance
  • Erie extended water coverage
  • Erie homeowners insurance
  • Erie life insurance
  • Erie Medicare supplement insurance
  • Erie mobile home insurance
  • Erie personal umbrella insurance
  • Erie personal valuables insurance
  • Erie renters insurance

Erie offers a fairly comprehensive suite of insurance policies. It's a solid pick for those hoping to bundle multiple types of insurance with a single company.

Alternatives to consider

Award Icon 2025 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Award Icon 2025 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Geico review

When seeking a company that sells policies in all 50 states: State Farm is a great option to consider. Not only are its policies widely available, but it's also known for providing excellent customer service like Erie. However, it doesn't offer some of the rare coverage options that Erie has.

When seeking an insurer that offers affordable rates and plentiful discounts: Geico is a great one to explore. It's one of the most affordable auto insurers around, thanks in part to its long list of auto insurance discounts. However, its customer service isn't rated quite as highly as Erie's.

Erie Auto Insurance summary:

Erie might be a good auto insurance company for drivers who:

  • Place a premium on great customer service and claims handling
  • Are interested in rare protections, like Rate Lock coverage
  • Are interested in bundling auto insurance with another type of policy

But those who don't live in Erie's service area may want to take a closer look at State Farm or Geico.

Our auto insurance rating methodology

At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.