Erie Auto Insurance

Erie Insurance

 3.9/5 (1458 reviews)
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Overall Rating3.9 out of 5
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About Erie Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Erie Insurance offers affordable auto protection policies with several optional add-ons, like pet coverage, windshield repair and locksmith services. The company is available in 12 states, as well as in Washington, D.C. It provides some discounts for multicar policies and safe driving, as well as 12-month premium options.

Pros & Cons


  • Discounts often available
  • 12-month premium options
  • Low cost


  • Available in limited locations
  • Low tolerance for risk after claims

Bottom Line

Erie offers affordable car insurance with pet coverage, windshield repair and locksmith service options. It gives discounts for safe driving and multicar policies, and it’s available in several U.S. locations.

Top Erie Auto Insurance Reviews


My agent is always available for me and answers any questions I have. I bundled my house and car with him. Service is outstanding. I’ll never change. My family had been with Erie ...

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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 wha...

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What is Erie Insurance?

Erie is an auto coverage provider that offers customizable insurance policies. It has several discount, perk and add-ons options, including a rate-lock program. You can get an insurance quote on the company’s website, but you'll need to work with an agent to purchase the insurance you select. You can also pay bills and manage your account on the website; all claims must be filed through its claims hotline. Erie writes policies in 12 states and in Washington, D.C.

How does Erie Insurance work?

Erie provides a wide variety of coverage and benefits, including basic coverages like liability, uninsured motorist, medical protection, collision and comprehensive. It also offers these additional coverages:

  • Glass repair
  • Locksmith service
  • Personal items
  • Accident forgiveness
  • Travel expenses
  • Pet injury

Erie's Auto Plus package offers the following perks:

  • Diminishing deductible: Takes $100 off your deductible (up to $500) every year without an accident.
  • Extra rental car time: Gives you up to 10 days of extra time with a rental car when your car is out of commission.
  • Even higher limits: Adds to your limits for services like locksmiths, etc.
  • Waived deductible: Waives your deductible if you also use Erie's home insurance and the accident involves your home (e.g., if you accidentally run into your home, you don’t have to pay the auto deductible).
  • Death benefit: Pays up to $10,000 in the event of a covered auto accident death.

Erie Insurance quotes and rates

Erie’s car insurance rates depend on the vehicle and the driver’s age, location and driving history. You can expect Erie's annual premiums for full coverage to range from $1,924 to $3,614 — but keep in mind that this varies based on your information and potential discounts.

Erie Insurance FAQ

Does Erie have accident forgiveness?
Yes. Erie offers forgiveness for your first at-fault accident if you've been a customer for three years or more.
How much does Erie’s car insurance cost?
Erie’s rates depend on car type, your situation and your state. You can get a custom quote on its website.
Where is Erie available?
Erie is available in the following U.S. locations: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.
Where is Erie located?
Erie Insurance is located in Erie, Pennsylvania.

Is Erie car insurance good?

Yes, Erie offers competitive rates and solid coverage for drivers in its service area. We recommend Erie’s auto insurance for drivers who prefer working with a local agent in person to managing their policies online.

Erie Auto Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 1, 2023

The absolute worst experience in 14 years in the insurance business. Spoke to Agency recruiter Stephen ** and he was the most rude, inconsiderate person in a management role I've ever dealt with. This guy hung up on me for no reason and was very unprofessional. He gave Erie a very bad look and if that's any indication of how they treat their customers, employees & agents RUN! I would be very concerned. I can be contacted for any information pertaining to Stephen's unprofessional and rude ending to our call. He should not represent Erie in the future.

4 people found this review helpful
Verified Reviewer
Original review: March 3, 2023

We had and auto stolen in 2020. Erie initially was good to deal with and very responsive. After our truck was located, they sent an adjuster out to assess the damages. The adjuster wasn’t rude, but constantly reminded me that my truck wasn’t new and he was sure some of the issues were pre-existing but he was going to ‘help’ me out. After getting my truck back from the body shop, it just sat in my yard for a while because I had to purchase a new vehicle when this one was stolen. I learn that, even though I have coverage, the rented trailer that was stolen wasn’t covered.

So I had to pay $8500 out of pocket to cover this. Then none of my tools, equipments or personal belongings were covered, so I lose about $15,000 on that matter. But the real kicker is that when we decided to use the truck again, we discover it has a blown head gasket. Now granted, diesels can have blown head gaskets that are hard to find. So I was t upset that they missed this. I’m upset that they told me there was no way to tie the engine to the original claim. Now this was the last version. The first was that they were not giving me a newly rebuilt engine in a used vehicle and would pro-rate the expense. I told them no because I wanted my truck back like it was before it was stolen. Then they tell me they will offer a concession of around $2700 to ‘help’ me out.

An $8000 repair is a far cry from $2700. Then they finally tell me I can’t tie the damage because of time-lapse. They don’t realize I communicate via email and text so I have all of the times and dates, and conversations. But good luck getting a lawyer because bad faith claims are impossible to get covered and Erie has done just that, practiced a bad faith claim. I would advise going to another company. Erie is fine until you have an issue, then they will blatantly lie to you about what’s covered and change their stories. I still have this claim open after over two years. This company doesn’t care about customers. So enter at your own risk.

7 people found this review helpful

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    Verified Reviewer
    Original review: Feb. 27, 2023

    They stick it to you in every way they can. If you have them for car insurance and you get hurt in the wreck you are screwed. They are vague in their responses and emails. Tell you one thing and do another. Worst experience ever. I beg everyone to get away from Erie insurance as fast as you can.

    3 people found this review helpful
    Verified Reviewer
    Original review: Dec. 6, 2022

    Beware - unethical. My Father passed away 3 weeks ago - this company will continue charging him for auto and renter's insurance because I didn't notify them on the day he died. My first priority was his service of course and I am making calls as I can after work. Every company I have dealt with up to this point has back dated account closures to his date of death - not Erie and they told me I should have called them on the date he passed away. I was shocked and appalled by the lack of understanding and compassion. Absolutely despicable.

    19 people found this review helpful
    Verified Reviewer
    Original review: Sept. 28, 2022

    My car was totaled and Peter ** made sure I was taking care of from the time I reported my car. Made sure I had a rental car checked on me to make sure I was ok just A1 service Erie Insurance gives you from the best rates to customer satisfaction. I will never leave Erie Insurance.

    2 people found this review helpful
    Verified Reviewer
    Original review: Sept. 22, 2022

    Erie is a pathetic excuse of a insurance company. The agent that was assigned to my claim took an entire month to contact. The only reason why they contacted me was because we had to leave numerous voicemails everyday and constant complaints on the customer service line to even get a single call. And when we try to switch to a different agent, they wouldn’t let us. They would only leave a “note” for the agent to see. However, that still wasn’t enough. We even contacted the manager but they refused to provide any substantial help and instead left another “note” for the agent.

    As of right now, we still haven’t made any progress in the claim, and it’s been 3 months going on to 4. That’s 4 freaking months!!! They claim to have good intentions but they don’t care about their customers at all. It shouldn’t even take this long to settle an car insurance claim. Please please please don’t waste your time, money, and effort on this insurance. Save yourself the headache that I’m still enduring.

    21 people found this review helpful
    Verified Reviewer
    Original review: Sept. 12, 2022

    I've had Erie Insurance (auto, life, and house) for more than 20 years. Their customer service was lacking and products were just OK, but they were reasonably priced when we were just starting out, so we stuck with them through the years. We had one minor auto insurance claim in 2000; never had any claims for life or house insurance. We added my sons a few years ago to the auto insurance policy and, after each had an accident (1 in 2019 [$1924.35] and 1 2021 [cost still pending]), Erie decided not to renew our policy. All of those years paying premiums that were pure profit for them, and now that they had to pay out two claims, one we know is less than $2k, they decide not to renew us.

    As expected, we have been paying much higher premiums for the past few years due to our young sons being added, so one would assume their lack of driving experience was figured into the higher premium cost (young, inexperienced drivers do have a tendency to get into accidents more than the rest of us). But, that still wasn't enough profit for them apparently. Find yourself another insurance company besides Erie. There is NO loyalty, no matter how long you have been a customer. Erie is only interested in large profits, so if you cut into that in any way, be sure they will kick you to the curb.

    20 people found this review helpful
    Verified Reviewer
    Original review: July 28, 2022

    Auto claims service has been incompetent and I will be leaving because of them. It has been 6 weeks since my accident and still have no check and no idea how or when it will get fixed and was told today that it was my fault after getting hit from behind.

    17 people found this review helpful
    Verified Reviewer
    Original review: April 7, 2022

    Erie Insurance is excellent! We have had Landis Erie insurance for our homes, cars and business for about 30 years, and we are certain that we will continue to choose this company. They have taken care of every issue we had in a timely manner in the past. Erie Insurance gave us tremendous help when our family was in a couple of extremely difficult times in our life. We recommend it to everyone, including all our families and friends. All our family members have Erie Insurance. Please don’t hesitate to choose Erie Insurance!

    3 people found this review helpful
    Verified Reviewer
    Original review: March 31, 2022

    At the end of 2021 my vehicle was hit by a commercial driver insured with Erie. The Erie insured driver was at fault. Whereas, I understand some of safety protocols involved with Covid - i.e. not coming out to view the actual accident site or meeting with individuals face to face. The Erie representative was totally unprofessional and contributed to falsifying information and delaying the claim from being processed. I accept that it was her job to protect her client but it is also her job to be truthful and to make a decision based on the truth. When the facts showed her client was at fault, she got even more petty and delayed the processing further. Very unprofessional agent and looks like not her first rodeo in this area of deceiving and falsifying.

    37 people found this review helpful
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    Erie Auto Insurance Company Information

    Company Name:
    Erie Auto Insurance
    Year Founded:
    100 Erie Insurance Place
    Postal Code:
    United States