HomepageInsuranceCarErie Auto Insurance Review

Erie Auto Insurance Review

Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Rates
25% bundling discount available
High customer satisfaction ratings
No mobile app claims

Show Similar Products

Advertiser Disclosure

Close icon.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

Reviews Report

  • Erie car insurance offers plenty of discounts and programs like Rate Lock to help drivers save on premiums.
  • Customers can save up to 25% on premiums when bundling home and auto with Erie insurance.

Founded in 1925, Erie car insurance has operated primarily in the eastern United States for almost a century and pioneered many of the car insurance coverage that is standard today. 

Though Erie auto insurance definitely has some competition, it deserves to be considered by anyone shopping for car insurance. Unfortunately, it is only currently available in 12 states and the District of Columbia. However, drivers in its serviced states can find a variety of ways to save through its discounts.

To create an Erie car insurance review, we looked at its J.D. Power score, A.M. Best rating, available discounts, coverage options, and claims process. We also considered Erie auto insurance reviews and complaints with the NAIC to compare it to top car insurance competitors.

Erie Auto Insurance Overview

In Business Since
AM Best
J.D. Power
States Served
12 + D.C.

Erie auto insurance is one of the leading companies in the industry when it comes to customer service. It earned an average of 868 out of 1,000 points across U.S. regions in J.D. Power’s 2021 auto insurance study and it routinely gives scores one of the highest scores in the industry year after year. Though it would be nice to be able to file a claim through the mobile app, customers do not seem to be bothered by the fact that they must speak with an agent when filing a claim.

Erie insurance is also a financially strong company. A.M. Best, an independent financial strength ratings company, gives Erie an A+ (superior) rating, which speaks to its ability to pay out large claims.


  • High customer satisfaction Erie received an average score of 862 out of 1,000 with J.D. Power for customer satisfaction.
  • Financially strong Received an A+, or superior rating, with A.M. Best for its financial strength. AM Best rated Erie auto insurance A+ (superior), one of the highest ratings available.
  • Plenty of discounts Customers have 10 discounts they can use to lower their Erie auto insurance premiums.
  • Great for bundling Erie offers some of the biggest savings in the industry for bundling policies.


  • Not available nationwide Erie car insurance is only available in 12 states and Washington, D.C.
  • No mobile claims Drivers cannot file a claim via the app. Customers must call and speak with an agent.

Erie Auto Insurance Highlights

Customer Experience
Discounts & Add-ons

Erie auto insurance offers the following coverage options:

  • Bodily injury liability coverage
  • Property damage liability
  • Personal injury protection
  • Uninsured or underinsured motorist coverage
  • Comprehensive coverage
  • Collision coverage

Erie auto insurance scored No. 2 in the Southeast and Mid-Atlantic regions and No. 1 in the North Central region with J.D. Power in 2021 for its customer satisfaction. Overall, it received an average score of 852 out of 1,000, which is above average when compared to other insurance companies on the market. According to the NAIC, Erie has a low complaint index of 1.1. This indicates that overall, customers are happy with Erie car insurance.

Erie insurance offers the following discounts and endorsement for its customers.


  • Air bags
  • Anti-lock brake
  • Anti-Theft
  • Defensive Driving Course
  • Driver training
  • Good driver
  • Multiple Policies
  • Multiple Vehicles
  • Paid-in-full
  • Student away at school


  • Diminishing Deductible option
  • Erie Rate Lock
  • First Accident Forgiveness

To file a claim, Erie customers must either contact a local Erie agent or call directly (Erie offers 24/7 phone support). At the moment, customers cannot file a claim online or over the Erie smartphone app. However, though this is not ideal, the complaint index for Erie is still relatively low.

Erie’s Car Insurance Bundling Discounts for Cheaper Insurance

Erie’s bundling discount is quite significant when compared to other providers. Currently, drivers can save between 16% and 25% when they purchase multiple policies with Erie. Most customers combine auto with either homeowners, life insurance, condo insurance or renters insurance. 
The amount saved by bundling with Erie auto insurance depends on which state you are in and if you are taking advantage of other endorsements Erie offers. For example, if you plan on using Erie Rate Lock, you cannot receive a bundling discount with Erie life insurance. Erie offers many types of insurance, so customers can receive the bundling discount by combining it with any other insurance product it offers.

Erie Car Insurance vs. The Competition 

ProviderAverage Annual Full Coverage Premium*J.D. Power Customer Satisfaction*AM BestDiscounts
State Farm$1,457847A+10

Information accurate as of July 2021

*Data from Bankrate.com

**J.D. Power 2021 Auto Insurance Satisfaction Study average rating across regions. Based on a 1,000-point scale.

Erie vs. State Farm 

Both providers have the same amount of discounts available to customers, and both received a superior rating (A+) from A.M. Best. On the surface, these are two very similar companies. However, Erie does edge out State Farm when it comes to customer satisfaction with a 15-point advantage. Erie also has a lower average premium than State Farm for full coverage.

Erie vs. Geico

Erie does have a significantly better J.D. Power average score in auto insurance customer satisfaction, earning 862 across the studied regions, compared to Geico’s 833 average score. Erie’s average premium is also quite a bit lower than Geico’s for a full coverage policy. However, after that, Erie starts to lose out. Geico beats out Erie when it comes to both financial strength — A++ compared to A+ — and discounts.

Erie vs. Auto-Owners

Erie and Auto-Owners are also similar in customer satisfaction, according to J.D. Power. Erie is a bit cheaper. However, Auto-Owners has the advantage when it comes to financial strength and discounts. Auto-Owners offers three more discounts than Erie, and received an A++ for its financial strength where Erie only received an A+.

Erie Auto Insurance FAQ


We evaluated Erie based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:

  • Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
  • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
  • Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
  • Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
  • Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

As for average pricing, we used Bankrate.com’s data of car insurance, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

About the Authors

Lauren Ward

Lauren Ward Contributing Writer

Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.