Reviews Report
- As of 2025, Erie Insurance sells personal and commercial P&C coverage only in 12 states and Washington, D.C. (no recent new-state entries announced; see company overview and agent locator).
- Recent J.D. Power research indicates strong claims/service experiences for Erie within its operating regions (e.g., the 2025 U.S. Auto Claims Satisfaction Study and latest home/property studies). Results are reported on a 1,000-point scale by study and segment.
- Erie offers auto, home, life and business insurance through independent agents and supports core self‑service via an Online Account, mobile app, and digital claims intake/status (Online Account; Claims).
Erie Insurance, founded in 1925, operates through independent agents in a footprint limited to 12 states and Washington, D.C. as of 2025 (company overview; agent finder). The company maintains strong claims-paying resources, with AM Best assigning Financial Strength Ratings of A+ (Superior) to its P&C companies and A (Excellent) to its life company (as of 2025; verify current ratings at AM Best Rating Center). Erie’s service model emphasizes agent guidance, complemented by core digital tools for ID cards, billing, and claims filing/tracking (Online Account & app; claims center).
Erie Insurance Overview
| Auto insurance | Home insurance | Life insurance | |
| J.D. Power Customer Satisfaction Score* | Above average in latest results (2025 study) | Strong service results reported in latest study | N/A |
| AM Best Financial Strength | A+ (Superior) — as of 2025 | A+ (Superior) — as of 2025 | A (Excellent) — as of 2025 |
*Based on J.D. Power’s latest Auto Claims Satisfaction Study, 2022 Property Claims Satisfaction Study, and 2021 Individual Life Insurance Study. AM Best Financial Strength Ratings confirmed as of 2025 (see AM Best Rating Center); the FSR scale (e.g., A++, A+, A) is unchanged in AM Best’s current methodology (BCRM).
Erie Auto Insurance
Erie auto insurance is available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C. (2025 footprint; company overview). Policies can include built-in or optional perks such as pet coverage, personal items coverage, and glass repair. Erie also insures motorcycles, RVs, boats, classic cars, ATVs, snowmobiles, and golf carts, and offers the YourTurn safe‑driving app for rewards where available (YourTurn availability varies by state). Erie’s claims experience is evaluated in J.D. Power’s 1,000-point studies, with recent results showing strong performance relative to industry averages in many regions (2025 Auto Claims Satisfaction Study).
Access is limited to 12 states and D.C., and Erie emphasizes agent-led service over a fully direct, end‑to‑end digital purchase. Core digital tools support ID cards, billing, and claims filing/status (Online Account; Claims), but instant online quote-and-bind capability is not as broad as leading direct carriers like GEICO and Progressive. Industry benchmarking in the 2025 J.D. Power U.S. Insurance Digital Experience Study finds direct-to-consumer carriers generally lead on end-to-end digital shopping and service, which explains some differences in experience versus Erie’s agent-centric model.
- Strengths: Strong claims service reputation in recent J.D. Power research; superior AM Best financial strength; numerous optional coverages; ERIE Rate Lock can stabilize premiums (availability varies).
- Restrictions: Agent-centric purchase and servicing; more limited end-to-end digital buying than many national direct carriers; only available in 12 states and Washington, D.C.
- Discounts: Safe driving/claims‑free, car safety equipment, multi‑car, multi‑policy, reduced usage, young drivers (training/student), annual payment plan. Note: YourTurn is a rewards program rather than a premium discount in most states (details), and ERIE Rate Lock is not available everywhere (see Rate Lock).
Erie Home Insurance
Erie appears on our list of best home insurance companies and continues to be recognized for claims service in J.D. Power research. Erie offers many ways to tailor coverage, including optional water backup, service line, and identity recovery. Eligible homeowners may add guaranteed replacement cost for the dwelling, settling covered structural claims at replacement value subject to terms and state availability. Erie also offers renters, condo, mobile home, personal valuables, and flood coverage. For recent satisfaction context, see J.D. Power’s latest homeowners and property claims publications (scores reported on a 1,000‑point scale by insurer/segment/region).
Erie home insurance is available only in 12 states and D.C. (company overview), and while Erie provides an Online Account, mobile app, and digital claims intake/status, its customer experience remains agent-forward. If you prioritize fully digital quoting and policy issuance, national direct carriers typically offer broader online buy flows (J.D. Power Digital Experience).
- Strengths: Multiple optional coverages to customize policies; strong service reputation; superior AM Best financial strength (as of 2025).
- Restrictions: Available only in 12 states and Washington, D.C.; agent-centric model and fewer end-to-end digital purchase options than top direct carriers; some discounts vary by state.
- Discounts: Fire/burglar alarm or sprinkler system, advance quote, multi‑policy.
Erie Life Insurance
Erie offers term, whole, universal, and ERIExpress Life (simplified issue, no medical exam) sold through independent agents—useful if you want to bundle with Erie auto/home. AM Best rates Erie’s life company A (Excellent) for Financial Strength as of 2025 (AM Best Rating Center). Online quotes are limited; consult an agent for riders, underwriting, and state-specific availability.
- Strengths: Multiple policy types including a no‑exam option; ability to consolidate with Erie P&C policies via an agent.
- Restrictions: Online quoting and rider details are limited; financial strength is Excellent (A) rather than Superior; availability and features vary by state.
