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Erie Auto Insurance
Overall Satisfaction Rating
3.43/5
  • 5 stars
    60
  • 4 stars
    30
  • 3 stars
    13
  • 2 stars
    4
  • 1 stars
    41
Based on 148 ratings submitted in the last year
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Erie Insurance

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Erie Auto Insurance sells auto insurance as well as home and life insurance policies. The company is not an InsuraMatch partner. InsuraMatch can give you quotes for all 26 of their verified insurance partners in just 10 minutes. Call now to get started. *ConsumerAffairs insurance program, powered by InsuraMatch.

BOTTOM LINE

Erie auto insurance offers car insurance with several optional add-ons, like pet coverage, windshield repair and locksmith services. The company’s positive reviews appreciate the responsive customer service for safe drivers. Many customers have been with this regional company for decades.

PROS

  • Multiple discounts available
  • Low cost compared to major brands
  • Offers 12-month premium quotes

CONS

  • Some customers paid a cost that was different from their online quote
  • Low tolerance for risk after claims

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149 Erie Auto Insurance Consumer Reviews and Complaints

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Customer increased Rating by 3 stars!
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Verified Reviewer Verified Buyer
Resolution response: April 5, 2019

Erie apparently switched my claims adjuster without acknowledgement. We haven't spoken directly to the new person, but the car dealer called and said they had. So, the did approve the additional work after much harrassing calls and emails from me.

Original review: April 4, 2019

So we had an accident 2 months ago and things started out well enough. The initial repairs were completed and paid for by the insurance company. However, there was still an issue with the safety system in the vehicle that was also damaged in the accident. My claims adjuster advised me by email to get the work done and he would have it reimbursed. Well after having a small part of the work done a bigger issue was found. It's been 4 weeks and Erie representatives do not respond to email or phone calls about whether they will cover the additional work or even reimburse for what they promised to cover.

My adjuster has 2 phone numbers and both go straight to VM every day. I don't know if he died or what, so we also tried his associate and again no response at all. We even got our insurance broker involved again and she couldn't even get them to respond. I've been with Erie for over 20 years and never had an issue until now... But then again I've never had an at fault accident and still haven't... This was my wife!

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Rated with 1 star
Verified Reviewer
Original review: April 2, 2019

If you have more than one ticket or have an OVI, don't expect Erie to keep your coverage - and don't expect after nearly 4 years of having no issues for them to even CONSIDER writing a policy for you. Stuck up comes to mind. Discrimination also comes to mind. When you think of Erie, think of "holier than thou". Because as soon as you slip up and show your human side, you're done. They want to make money collecting premiums. They are not in the business of actually having to have insurance claims come up. They just want the money.

4 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: March 22, 2019

I was involved in an accident (03/19/19) with one of their customers. My car is a total loss. They told me they cannot provide me with a rental car until they talk to their customer and see the accident report. It was their customer's fault. This company is a poor excuse for an insurance company. My car was paid for and cannot afford another car payment, but I guess I have no other choice with this company! They are dragging their feet.

5 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: March 4, 2019

I have to say I was very impressed with the way Erie handled our auto accident (car was totaled and the driver was hospitalized for a day). There were 3 adjusters involved, one who dealt with the vehicle, one who dealt with the medical bills and one that reimbursed the lost wages. All were easily accessible both via phone and email. When the medical ran out under the auto coverage, it went to our health insurer, who reached out to Erie to confirm that the medical was exhausted. Erie promptly reached out to confirm it was ok to release the documentation and upon getting our confirm, they did. The offer for a vehicle was fair, they didn’t try to nickel and dime us. All claims, unfortunately, ultimately require effort, but Erie was as easy to deal with as I had hoped for.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 28, 2019

Hello friends, I would like to bring you the incident that happened to me by Erie Insurance. I tried auto quote online, if married put the information comes, But there is no space I can put that. Then I called the Erie Insurance near me and she asked all the information taking my 24 minutes and she said I have too many cars and many drivers at the same home. What the hell? I have four cars and four driver in the family, she is very rude and drop the phone on me. Never go with them, you will regret. Because few of my friends told me the same thing.

7 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: Feb. 21, 2019

I was involved in a total loss accident with an Erie customer. My vehicle was non drivable at the scene, and was towed to salvage. The claims representative from Erie was less than cooperative in assisting me with my car rental in order that I maintain work. If I had not rented the car, I would have been unable to get to and from work. Finally I gave in after 3 weeks of messages and paid the bill to the rental company, and have been told that the bill may not be paid in full. I am omitting the representative's name at this time.

7 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Feb. 12, 2019

I had a claim and left voicemail after voicemail. I finally got someone on the phone, and they told me to send an email. This went without response, as did the followup email. These people seem more than happy to take your money, but God help you if you have a claim.

14 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 10, 2019

When adding my teen son to my policy who had just started driving, they quoted and sent me a reasonable contractual “add driver” quote which I was prepared to pay. Upon invoicing me they doubled the amount, making it retroactive to 6 months earlier when my son got his license even though he wasn’t yet driving and didn’t have a car. It was a large sum of money, but their customer service was AWFUL in helping me address the problem and I was escalated to the president’s office where I dealt with the rudest customer-facing person ever. Although I remained calm, he literally resorted to reading me the legalese from my policy which evidently gave them the right to charge me (rob me?) for coverage I hadn’t received whatsoever. I would never recommend Erie to anyone.

16 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 30, 2019

Having been a customer for 1 year, I decided to look at alternative sources for my car & renters insurance. I requested Erie not to auto draft and they agreed. Shortly thereafter they DID AUTO DRAFT and my account was short which resulted in two $29 charges from my Credit Union. The next day they again drafted resulting in two more $29 charges! Two days later (payday), I called and paid the bill and informed them I would soon be using another Company. They stated a refund check would be processed. They deducted four $25 charges from the refund check citing the two aforementioned drafts -- they used Corporate Policy for their actions. Repeated calls to the local agent and Corporate produced no results. Beware of doing business with this Company.

12 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 14, 2019

Don't use Erie Insurance unless you want your insurance history trashed for years to come! Erie refused to investigate 2 separate crashes we were involved in, and in one the other party even called to state that it was her fault! Didn't matter to Erie! Erie will ruin your life then drop you like a week old egg salad sandwich. Learn to train your employees in customer service (every person I talked to fought with or was combative with me). Give your money to a real business!

19 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 9, 2019

I am very outrage with the lack of service I received from the roadside assistance. I was initially told a tow truck would be to me within 45 minutes after the actual tow company called me. I waited well over an hour before I called to see how much longer. I was informed by the tow company that they were not coming and I needed to call back to whomever I spoke with first. I called Erie back and was ensured by Erie that they would have someone to me as early as 30 minutes.

Needless to say I would still be waiting if I had not received help from someone else. My 22 year old daughter was on the side of a busy highway by herself out of town. I still have not received a return call from Erie and no tow company ever came. I finally made it to my daughter and we sat there for at least 2-3 hours with no help for Erie or a tow company. I did not call back because I was so upset and just wanted to get my daughter and myself away from that busy highway. I am livid about this and this is poor customer service. I have never experience such disregard for safety and the well being of the customer. This is unexceptionable.

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13 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 6, 2019

When I initially signed up with Erie for an Auto policy the experience and customer service was fantastic! Low rates, easy process, and everyone was accessible. HOWEVER, I filed a claim and the adjuster I was provided was sloppy, unprofessional, and falsified information. When I contacted his supervisor I was told I needed to focus on the claim and pretty much not address the issues with the adjuster.

Then I contacted the supervisor's supervisor to complain about the level of professionalism and how over a week went by and my adjuster was not returning my emails or calls. He immediately dismissed my comments and jumped to conclusions about why I was requesting another adjuster the issues with the claim I filed, Never addressing the unacceptable behavior of his subordinates. It was not until after I told him the call was being recorded he actually started treating me like a customer with an issue. An issue that should have and could have been resolved weeks ago!!!

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20 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 1, 2019

Steer very clear of this company. They are only, I mean 100% only, about making money for themselves! They care nothing about you, as they will not barely reply to you, especially when you are most vulnerable! They most definitely will not assist you in any way whatsoever after you signed on with them! Their representatives are ignorant and liars and talk over you. Last but definitely not least, they will take their sweet old time with your claim from day one, making you and your family suffer in the meantime!

23 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 26, 2018

I have been a loyal Erie customer for the past 2 years with no record or points on my license. I was in an accident a month ago and my car was inspected and deemed as a total loss. It took 4 days for an inspector to look at my car when I was told it would be done in 1-2 days. Then they proceeded to tow my car to a salvage lot over 200 miles from my home only 1 day after without my knowledge or permission. The license plates were still on my vehicle and all of my belongings inside.

When I called my agent they acted confused about the situation. I was transferred to multiple Erie employees throughout the situation and they seemed to lack communication. They have really cheap rates but I feel that is only because they take advantage of young professionals who don’t have experience with dealing with insurance companies or claims. I was highly unsatisfied with my experience with my claim due to the fact that Erie refused to accept responsibility for my car being towed without my verbal or written permission. That’s basically stealing. Do not recommend for young adults unless you’re looking for just cheap car insurance.

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16 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 17, 2018

I was hit by an Erie insured truck driver and my car was totaled. The accident was the insured fault and he received a ticket at the crash site. Erie's claims adjuster has put off and put off so long that I had to claim the accident against my insurance and pay for my rental out of pocket. The adjuster will not work with my insurance company either. How can this Insurance Company get away with the way they treat people???

23 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 11, 2018

Insurance buyers beware!!! Was told my 20 yr old daughter would be removed from policy per voicemail and my return call because Erie didn't like that she put down her address as her mother's. Really? She's an adult. She can stay where she wants. Said I would receive a cancellation notice, which I did, noting my daughter's removal from policy. Fast forward 2 months and I find out my whole auto insurance policy had been canceled! 6 vehicles canceled! Never a claim in my life and I'm 46! Now I have a lapse in insurance and my agent doubles my rates due to their incompetence! Take it from me, if you don't want headaches shop for insurance elsewhere!

14 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: Dec. 9, 2018

Cheap to start. Raised auto rate $110 first year, home $150. Called local agent. Could not get in to her head. The auto numbers - she said all Co's. raise auto for no good reason. l had no claims. Then she said the same thing on the home then got upset and said, "If you don't like it you should look for other insurance co." One hour later she called and said they made a mistake and were lowering my home 50 bucks if I stay with them. Beware. They will take advantage of you in all situation. "And if you don't like it you should find a better co."

14 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 7, 2018

Horrible and Unprofessional in Maryland. The claims adjuster would call at inappropriate times to schedule an appointment. Then he wanted to come and appraise a vehicle in the dark. And then the adjuster was unprofessional did not do a thorough job at looking at the damage. Called Supervisor and he was just as nasty and unprofessional. My agent was great. Do you even give these people training with how to communicate with others.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 1, 2018

I was in an accident in October 2018. With a police report verifying I was not at fault. It is now December 1, 2018. Nothing has been resolved. My local agent is unresponsive and unhelpful. I have a list of people she has pushed us off on. Still nothing has changed. This is shameful to an Insurance Company I pay premiums to. Which will be fully reimbursed and a profit made from the auto accident.

18 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Nov. 26, 2018

I've been a member of Erie insurance since I was in High School, Although I did not actually start paying the auto insurance bills till college when I got my own car. That was in 2005. That makes me a paying member for 13 years. This year, after the only major accident that was my fault in 13 years, and a freak accident where the frame gave out from under my rusted car, both within a six month period, the total bills being $20,000 they wrote me and said, "We won't cover you anymore." As if a rusty car is supposed to be my fault. By my estimation I have paid at least $10,000 in premiums during my time as a customer. That means they only paid out a net of $10,000.

Really Erie? Are you serious. Will never have a policy with this company ever again. If you are thinking about it, run. They only care about their company and their investors. God forbid if they have to pay out any amount of money for any reason. So I guess that auto commercial is true. "You find yourself in one major accident, and your insurance company drops you."

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18 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: Oct. 29, 2018

I have been happy with Erie insurance. I have auto, house, and umbrella coverage with them. They are very helpful with claims. My last claim was for road damage to my air conditioner. They took the initiative to contact the repair shop. They approved the claim and paid quickly.

5 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Oct. 28, 2018

Erie is a pretty good company. My local agent's place looks kind of shabby but we have our house and cars through them. The prices are great for the coverage, even on newer cars. Rates don't go up much year to year, only downside is that I often don't get ahold of someone right away but response time has never been more than an hour.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Oct. 21, 2018

They are always nice when I call. They take their time with you. They make sure they understand what you want. Even if you have a hard time with the VIN numbers they are very patient with you. They are the best.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Oct. 19, 2018

I have been with Erie for years, about 23. I like that I can do everything on their website online. They have several options on paying your bill so you can do it according to what you want. They give a discount if you have home or rental insurance with them.

Be the first one to find this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Oct. 18, 2018

They have always been kind and considerate to answer any questions or concerns I may have. The price is affordable and the coverage is great. I am able to read my coverage and understand it as it has no jargon in it!

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 18, 2018

You’re better off calling a local tow/repair shop to help you. You call the number, fill out information online, and then still receive a call asking you all the same information. I told the person on the phone EXACTLY what I needed, and she still kept asking irrelevant questions. Erie Insurance sure knows how to frustrate their customers and keep their money!

22 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 4, 2018

Most people I talk to don't like them, and for good reason. Erie is fine until the moment you need them. I've been a customer for almost 10 years, and my wife got in an "accident" which resulted in zero damage for either vehicle (She rear-ended someone at 1 MPH), and they dropped us both immediately. I called them to discuss it - they were rude, didn't answer my questions, and I was simply told: "Nothing will change our mind, sir."

24 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 2, 2018

I'm highly pissed. They take consumers' hard earned money only to in the event of an accident leave them high and dry. A horrible company. My car was stolen and torched and till this day they leave me my wife and kids carless. Their only main concern is my wife who wasn't driving the car and her last record of driving being in 2012... where does that come from? Not the fact a family who pays their insurance on time every month and with that being said my on time payment is probably someone's paycheck and they make us suffer for almost a month now trying to turn tables and say us the suffering victims are the criminals profiling and stereotyping and only choose to talk to people who can't properly articulate so they can they ease their way out compensating paying customers.

If you know your way around reading an insurance policy they simply hang up and avoid you. Such scam artists. For all I know I think was Erie Insurance that stole my car since they are being so difficult in wanting to pay for it and being completely unprofessional. In a business the customer is the boss being as though they pay you and with no customers you have no business. I wonder how many other young first insurance policyholders they took advantage of or the older ones that are too old to understand any of the fine print completely. Horrible in my judgment.

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25 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 26, 2018

I have been with Erie for less than two years and never had a problem until just recently when I had to file a claim. I have full coverage on my 2015 BMW 328i and it was set up through a insurance agency because they don't set up policies directly (red flag). 7/20 I filed a claim. I learned that I do not have rental and I have a diminishing deductible. Ok, so I pay for my own rental and after talking to Erie they said a adjuster will call me within forty eight hours. 7/23 I am contacted by a Erie adjusters who inform me that they would send a third party appraiser to approve the repairs within forty eight hours (red flag). 7/24 I am contacted by the dealership saying the appraiser was there and I would be hearing from Erie.

7/25 I was contacted by Brian and he tells me that there was a issue and the dealership would not put the car on a rack so they only approved the tires and the rims until the appraiser could look at the rest of the damage but the parts have been ordered and it won't delay anything. So I call the dealership and they insisted that the person who came never even asked for the car to be put on a rack because that definitely could have happened. I asked if they gave him the entire estimate and they said yes.

So I called Brian back and asked who told him all of the things he said and he began to back peddle and when I informed him that the dealership told me that they never asked for the car to be put on a rack and that they won't order the parts without approval of the repairs he said he would get them to go back today to correct it. Then about a half hour later I get a call from the dealership instead and they tell me that they will replace any parts they can with aftermarket parts and by doing that they can't warranty them with the warranty I got with the car.

I then call the direct number for Erie and ask to speak to someone about my claim. I was transferred three times and was told three time "let me get you someone who can help you with that." On the fourth person I got finally transfers me to a supervisor and he tells me that it is in my policy that they can replace any parts with aftermarket parts if they are available. I explained that BMW won't warranty any aftermarket parts and will void the warranty that I got with the car. He said "you should read your policy better." (WOW!) Then I said well since you used a third party appraiser and now my repair time is delayed. What about a rental. He said "there will be no rental, it's not in your policy" even if it's their fault for the delay? DOUBLE WOW!!

So I call the agent who informs me that they don't offer OEM replacement even if I wanted to add it to my policy. So in the end I am paying out of pocket for a rental while they send a third party appraiser who screwed up and the difference between the OEM and aftermarket parts so my warranty is not affected. After the repairs are done I will be looking for a new insurance company and taking the policy to a lawyer to find any loopholes so I know I am not dealing with a scumbag company like Erie Auto Insurance.

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40 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 24, 2018

Did a quote online. Waited three days no call from an agent. When I contacted Erie Insurance company in Baltimore MD on Rt. 40 something did seem right. The agent stated she didn't need my quote number. (Red Flag). Instead needed personal information. Hours later on behalf of the agent someone else called with a $3000 6 month policy plan. With a good driver record not willing to be ripped off by this company. What's the need for a quote if you're not going to look at what the customer needs. Buyer beware! Don't buy insurance from this company.

29 people found this review helpful
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Erie Auto Insurance expert review by Matthew Brodsky

Founded in 1925, Erie Auto Insurance has more than 90 years of experience customizing policies for the modern driver. They currently serve more than 4 million customers with policies in 12 states and the District of Columbia.

  • Plus home and life: Erie Auto Insurance offers policies that include "plus home and life" insurance. This allows them to offer package deals and lower prices.

  • Individual and business: Customers can receive an auto insurance policy for the family or the business with Erie Auto Insurance. This company has policies specifically designed for either.

  • Insurance discounts: When working up a quote with an agent, be sure to ask about the dozen plus different discounts available, ranging from safe driver to reduced usage.

  • 12-month quote: The quote that Erie Auto Insurance provides is for a full year, not the six months often offered by other companies. The price on the year is often substantially lower than the competition once it is divided into monthly payments.

  • Complete coverage options: Erie Auto Insurance policies range from comprehensive to collision and have interesting add-ons available like property and medical coverage.

  • Best for: Drivers looking for a discount, drivers who also own homes and new drivers.

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

Erie Auto Insurance Company Information

Company Name:
Erie Auto Insurance
Year Founded:
1925
Address:
100 Erie Insurance Place
City:
Erie
State/Province:
PA
Postal Code:
16530
Country:
United States
Phone:
(800) 458-0811
Website:
www.erieinsurance.com
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