What’s New with Erie Insurance Review
In April 2024, Erie Insurance announced nearly $900,000 in grants for educational nonprofits through the Educational Improvement Tax Credit (EITC) program in Pennsylvania. This initiative reflects Erie’s commitment to supporting community education.
However, Erie faced controversy in 2023 when the Maryland Insurance Administration (MIA) investigated allegations that Erie pressured Baltimore insurance agencies into discriminatory underwriting practices. The investigation found that Erie rejected policies based on race, socioeconomic status, and neighborhood. Erie has since denied these claims and filed lawsuits against the MIA to challenge the findings.
Erie Car Insurance Review
Founded in 1925 and headquartered in Erie, Pennsylvania, Erie Insurance operates in 12 Northeast states and Washington, D.C. In 2024, Erie received our Score of 4.0 out of 5 due to its strong coverage options, high customer satisfaction ratings, and financial strength. However, its limited availability and digital tools received mixed reviews.
Unique Features of Erie Car Insurance
In addition to standard car insurance coverage like liability, collision, and comprehensive insurance, Erie offers several unique policy customization options:
- Pet injury coverage
- Windshield repair
- Travel expense coverage
- Accident forgiveness
- Diminishing deductibles
Erie also offers a telematics program, YourTurn, which rewards safe driving, and a Rate Lock feature (known as RateProtect in New York), which allows policyholders to lock in their rates unless they change their vehicle, driver, or address.
Pros and Cons of Erie Car Insurance
✅ Pros:
- Above-average J.D. Power scores for customer and claim satisfaction
- Erie Rate Lock may keep rates stable over time
- Full coverage policies include pet injury and travel expense coverage
❌ Cons:
- Limited availability across the U.S.
- Claims cannot be filed via the mobile app
Erie Car Insurance Cost
Erie is one of the most affordable car insurance providers for drivers with clean records. Below is a comparison of Erie’s rates with the national average:
| Driver Profile | Erie Full Coverage Premium | National Full Coverage Premium |
|---|---|---|
| Good driver, good credit | $2,149 | $2,638 |
| Good driver, poor credit | $4,567 | $4,644 |
| Speeding ticket, good credit | $2,403 | $3,204 |
| At-fault accident, good credit | $2,470 | $3,774 |
| DUI conviction, good credit | $3,982 | $5,106 |
Rates are based on average annual premiums as of January 2025.
Erie Car Insurance Review & Quotes by Age
Young drivers typically pay higher premiums due to inexperience, but Erie offers discounts for good students and driver training.
| Age | Erie Full Coverage Premium | National Full Coverage Premium |
| 16 | $4,738 | $5,675 |
| 18 | $4,223 | $4,894 |
| 20 | $3,774 | $5,374 |
| 25 | $2,671 | $3,251 |
| 30 | $2,338 | $2,813 |
Erie Home Insurance Review
Erie’s home insurance holds a Score of 4.4 out of 5, thanks to its high customer satisfaction and affordability. Standard Erie home insurance policies include guaranteed replacement cost coverage, flood insurance endorsements, and extended coverage for pets and valuables.
Pros and Cons of Erie Home Insurance
✅ Pros:
- Guaranteed dwelling replacement cost coverage
- Ranked first in J.D. Power’s 2023 Home Insurance Study
- Standard policies include $500 in pet coverage
❌ Cons:
- Limited optional coverages
- Not available in all states
Erie Home Insurance Cost Comparison
Erie’s home insurance is about 24% cheaper than the national average:
| Dwelling Coverage Limit | Erie Average Premium | National Average Premium |
| $150K | $1,188 | $1,344 |
| $300K | $1,662 | $2,181 |
| $350K | $1,857 | $2,430 |
| $450K | $2,298 | $2,934 |
| $750K | $3,377 | $4,189 |
Erie Life Insurance Review
Erie offers term life, whole life, universal life, and ERIExpress Life. The ERIExpress Life policy is a simplified issue life insurance product with fast approval, potentially no medical exam required.
Pros and Cons of Erie Life Insurance
✅ Pros:
- Multi-policy discounts available
- Fast approval process with ERIExpress Life
- Flexible policy types
❌ Cons:
- Limited policy customization options
- No online quoting system
- Only available in 12 states and D.C.
Erie Insurance Customer Reviews
Customers have praised Erie for affordable premiums and strong customer service, while some have complained about rate increases and digital limitations.
Real Customer Insights:
- Reddit user: “I’ve had Erie for years—great service and low rates.”
- Bogleheads user: “I stayed with Erie despite a 42% premium increase because of their excellent service.”
Is Erie Insurance Right for You?
Erie stands out for affordable rates, high customer satisfaction, and unique coverage options, making it an excellent choice for many policyholders in its 12-state service area. However, those seeking digital-first insurance experiences may find Erie lacking due to its outdated mobile tools and limited online claims process.
Erie Insurance Company Details:
- Website: www.erieinsurance.com
- Customer Service: 1-800-458-0811
- Claims: 1-800-367-3743
- Roadside Assistance: 1-888-367-3743
States Where Erie Offers Insurance
Erie provides auto, home, and life insurance in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
Erie Insurance Tools and Benefits
- Life Insurance Calculator: Helps customers determine coverage needs.
- Business Insurance: Covers small businesses, including contractors, retailers, and veterinarians.
- Flood Insurance: Offered through a partnership with American Bankers Insurance Company.
- Personal Valuables Insurance: Covers jewelry, art, and collectibles.
Final Verdict on Erie Insurance Review
Erie Insurance is one of the best-rated insurance providers in the states where it operates. It’s a great option for those seeking low rates, robust coverage, and strong customer service. However, its lack of nationwide availability and digital limitations could be a drawback for some customers.
If you prefer an agent-based, high-satisfaction insurance experience, Erie might be the right fit. Otherwise, those looking for a seamless online experience might want to explore other insurers.
Want to know more about other insurances, Read our latest articles.
