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Erie insurance; Alyssa Powell/Insider
Erie insurance pros and cons
| Pros | Cons |
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Erie auto insurance offers low prices and excellent customer service
Like most insurance companies,
Erie’s auto discount and additional features:
- Erie rate lock — This endorsement will allow you to freeze your auto premiums despite changes to your policy and even if you file a claim.
- Vehicle storage discount — If you plan to put your vehicle in storage for 90 consecutive days, you can get a reduced usage discount on your premiums.
- Safety savings discount — Get a discount for equipping your vehicle with factory-installed airbags, anti-theft devices, and anti-lock brakes.
- Payment perks discount — Receive a discount for paying your payment in full, upfront.
- Youthful driver discount — Drivers under 21 who completed an approved driver training course can qualify for a discount.
- College student discount — Qualify for a discount if your child is away at college and leaves their car at home.
- Diminishing deductible — Get up to $100 off your deductible every year that you are claims-free up to a maximum of $500.
- First accident forgiveness — If you’ve been a customer for at least three years, your premiums won’t increase the first time you’re at fault in an accident.
- YourTurn program — YourTurn is a telematics smartphone app that allows safe drivers to earn cash. Drivers ages 16-23 can earn rewards of up to $10 every two weeks, and ages 24+ can earn rewards of up to $5 every two weeks, based on driving 50 tracked miles and the participating driver’s score during the scoring period. This program may not be available in all states.
- Rate lock — This feature allows customers to lock a rate indefinitely as long drivers and cars remain the same.
- Auto security endorsement — Erie Insurance will replace your vehicle with the newest model year if it is less than two years old and totaled. If your vehicle is older than two years, Erie Insurance will replace it with the same model but two years newer and with 30,000 fewer miles than your original vehicle.
- Pet coverage — This policy will cover medical bills if your pet is injured in an accident.
- Auto glass repair — Available if you have comprehensive coverage and waives deductible.
- Locksmith service — Available if you have comprehensive coverage, up to $75 for a locksmith.
- Roadside & rental car bundle —This feature is available if you need emergency services.
Erie auto insurance quotes
Erie insurance’s auto insurance rates are relatively inexpensive, especially for drivers with a DUI, an at-fault accident on record, and a speeding ticket. It is also lower than the national average, according to data from Insurify — an independent insurance shopping tool.
| Auto insurance quotes | Erie Insurance | American Family | Amica | National Average |
| Clean record | $48 | $55 | $113 | $77 |
| With a DUI | $86 | $93 | $171 | $155 |
| With an at-fault accident | $65 | $94 | $138 | $113 |
| With a speeding ticket | $55 | $70 | $119 | $104 |
Data sourced from Insurify.
Erie homeowners insurance is ranked high in customer satisfaction and offers flood insurance
In addition to offering flood insurance,
Homeowners insurance protects your dwelling and personal belongings and offers personal liability coverage for injuries on your property. To obtain Erie’s homeowners insurance quotes, speak to an Erie insurance representative.
Erie homeowners insurance features
- Guaranteed replacement cost — Instead of using actual cash value (ACV) to replace your items, Erie guarantees replacement cost, which is better.
- Flood insurance — Many carriers do not offer flood insurance – requiring you to find a separate insurer – but Erie does.
- Fire, burglary, and sprinkler discount — Discounts are available to homeowners who install smoke alarms, burglar systems, and sprinkler systems.
- Multiple-policy discount — Get a discount if you have multiple policies with Erie depending on your state.
Erie renters insurance is one of our top picks for renters insurance
Renters insurance will cover your personal property in the event of damage and theft. Your landlord is responsible for insuring the building and structure. A renters insurance policy has three main parts: personal property coverage, personal liability coverage, and “loss of use” coverage.
Erie renters insurance discounts
- Multi-policy discount — Get a discount if you bundle multiple Erie Insurance policies.
- Safety discounts — Receive a discount for installing an alarm or sprinkler system.
- Advanced quote discount — Get a discount for obtaining a quote seven days before the start of your renters policy.
- Age of insured discount — Get a discount based on your age.
Erie life insurance offers term, whole, universal, and an affordable no-medical exam policy.
The two types of life insurance are permanent life and term life. Term life insurance will only cover a specific period. When your policy is up, you can reapply for coverage. However, premiums will most likely increase as you age.
Permanent life insurance never expires, has a death benefit for your beneficiaries, and a cash value you can use during your lifetime. Some financial advisors recommend a combination of term and permanent life insurance.
Erie life insurance features
- Term life — Select from a 10, 15, 20, or 30-year term plan.
- Whole life — A lifelong policy which premium and coverage that stays the same throughout your lifetime.
- Universal life — A flexible lifelong policy that builds cash value.
- ERIExpress Life — This can be a term or whole life policy with up to $500,000 coverage with no medical exam for ages 18-55.
- Long-term care rider — Coverage for assisted living, at-home, and nursing care.
Erie insurance vs. Amica
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Amica Mutual Insurance
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| Availability | Regional presence | Regional presence |
| Types of insurance offered | Auto, homeowners, renters, life | Auto, homeowners, renters, life, pet |
| Auto insurance claim’s satisfaction (out of #18) | #2 | #4 |
| Homeowners insurance customer satisfaction (out of #21) | #3 | No.1 |
| Renters insurance customer satisfaction (out of #9) | N/A | N/A |
| Life insurance customer satisfaction (out of #21) | N/A | N/A |
| Financial Strength | A+ (Superior) | A+ (Superior) |
Erie Insurance vs. American Family
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Erie Insurance |
American Family |
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| Availability | Regional presence | Regional presence |
| Types of insurance offered | Auto, homeowners, renters, life | Auto, homeowners, renters, life, pet |
| Auto insurance claim’s satisfaction (out of #18) | #2 | #7 |
| Homeowners insurance customer satisfaction (out of #21) | #3 | #6 |
| Renters insurance customer satisfaction (out of #9) | N/A | #3 |
| Life insurance customer satisfaction (out of #21) | N/A | N/A |
| Financial Strength | A+ (Superior) | A (Excellent) |
Is Erie trustworthy?
Among all policy types, the NAIC Complaint Index shows that
Frequently asked questions — Erie Insurance
Where is Erie Insurance offered?
Erie is licensed in the following jurisdictions:
- District of Columbia
- Illinois
- Indiana
- Kentucky
- Maryland
- New York
- North Carolina
- Ohio
- Pennsylvania
- Tennessee
- Virginia
- West Virginia
- Wisconsin
Erie has no plans to expand beyond 12 states and D.C. The focus is on giving customers in its region the best affordable coverage.
How do I obtain a quote from Erie Insurance?
Obtaining an online quote from Erie Insurance is quite challenging. Erie Insurance encourages its customers to contact an agent to purchase and manage their policy. You can use Erie’s agent locator tool to get in touch with an Erie Insurance representative. Alternatively, you can call (800) 458-0811, to get in touch with an Erie agent near you.
How do I pay my Erie Insurance bill?
You can pay your bill online, by phone, or by mail.
If you’re making a payment online, you’ll need your Erie policy number and zip code to log in. You’ll also need your payment information.
If you’re paying by phone, contact:
Customer Care
(800) 458-0811, option 4
Monday – Friday, 8 a.m. – 11 p.m. (Eastern)
Saturday, 9 a.m. – 4:30 p.m. (Eastern)
Erie Family Life
(800) 458-0811, option 3
Monday – Friday, 8 a.m. – 5:30 p.m. (Eastern)
If you’re paying by mail, send your payments to:
Erie Insurance Group
100 Erie Insurance Place
Erie, PA 16530
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