Erie Auto Insurance Review (2024)

What You Should Know About erie insurance group

Erie auto insurance offers the state minimum auto insurance requirements necessary to drive legally, alongside various other coverage options and affordable rates. However, if you’re considering a policy with the Erie car insurance company, research to see if an Erie auto insurance policy is the right fit.

The Better Business Bureau gives Erie Insurance an A+ rating. While some Erie customer service reviews were negative, the number of complaints is low compared to how many customers Erie insures. Just over 100 complaints with Erie car insurance closed in the last three years, with 30 complaints in the last year.

Overall, Erie insurance customer service ranked fairly well despite negative reviews. However, it’s not uncommon for companies to have a lot of negative reviews, even with good customer service. To understand an insurer’s ratings, consider the percentage of unhappy customers, as a few disgruntled customers don’t reflect on the company.

Keep reading this Erie auto insurance review to see if Erie is the right fit for you out of all the best auto insurance companies. We’ll also compare the pros and cons of Erie car insurance and explain Erie’s auto insurance ratings.

erie insurance group Insurance Coverage Options

Erie offers several auto insurance coverages besides the minimum liability auto insurance all drivers must carry. Most drivers with newer cars carry more than the minimum liability insurance to protect their assets fully, and Erie offers additional coverage for customers’ needs.

The main auto insurance coverages that Erie car insurance offers are:

• Bodily injury liability and property damage liability: If you’re at fault in an accident, bodily injury liability auto insurance and property damage liability auto insurance pay for the other parties’ medical and car repair bills, respectively.
• Collision: If you crash into another vehicle or an object, like a fence post, your collision auto insurance pays for your vehicle repair bills.
• Comprehensive: Comprehensive auto insurance pays for repairs if you crash into an animal or your car gets damaged by weather, vandalism, or theft.
• Personal injury protection: Personal injury protection auto insurance will help pay medical bills if you or your passengers suffer injuries.
• Uninsured or underinsured motorist: If the driver who hits you doesn’t have enough insurance to cover your bills or has no insurance, uninsured/underinsured motorist coverage pays your bills.

Erie offers all the basic coverages for drivers to purchase full coverage auto insurance or liability insurance.

Erie Add-On Auto Insurance Options

In addition to the basic coverages offered at Erie, the insurance company also has various add-on coverages for drivers. Keep in mind that these add-on coverages aren’t available in every state:

• Better car replacement: This coverage pays for a car of the same make and model as your totaled car, but the new replacement car will be two years newer. Your current car must be older than two years to qualify for this coverage.
• Erie Auto Plus: This add-on includes multiple perks like a diminishing deductible, transportation expenses, increased coverage limits, waived deductibles, and death benefits.
• New car replacement: If you total your car, new car replacement gives you your car’s true value instead of a depreciated value.
• Rate lock: Erie will lock your rates with this feature even if you have a claim.
• Rental car insurance: If your car is in the shop, rental car coverage will provide a car for you until your car is back on the road.
• Rideshare insurance: If you drive for Uber or Lyft, you’ll need rideshare protection from Erie.
• Roadside assistance: Erie’s roadside assistance helps with numerous issues, from locking yourself out of your car to a dead battery.

Erie has many great insurance coverages, with some designed to save drivers money over time.

Extra Features Included With Insurance Coverages

Erie has many perks included with basic policies at Erie, such as pet injury coverage and travel expense coverage. Take a look at the full list below:

• Accident forgiveness: If you’ve been an Erie customer for at least three years and are claim-free, Erie will forgive your first accident.
• Diminishing deductible: Erie reduces your deductible every year you go claim-free, up to $500.
• Pet injury protection: Pet injury coverage covers up to $500 per pet and $1,000 total in vet bills if your pet gets injured in a crash.
• Travel expenses: Travel expenses help pay for food and hotel costs if your car breaks down.
• Windshield deductible waiver: Does car insurance cover windshield damage or replacement? With Erie, your deductible gets waived if you get your window repaired rather than replaced.

Erie’s accident forgiveness policy can help drivers save hundreds of dollars if they’re in an accident. Its comprehensive coverage also carries some perks, including glass repair, locksmith services, and personal items coverage.

Auto Plus Package at Erie

Customers can add Erie’s Auto Plus package to a standard auto insurance policy. It generally costs less than $35 a year, adding only a few pennies to your daily auto insurance rates. The Auto Plus package offers the following perks:

• Death benefit: It provides $10,000 per person killed in a covered accident.
• Diminishing deductible: Erie will reduce your deductible each year you go claims-free.
• Increased coverage limits: Your coverage limits will increase to help cover things like personal items in the car.
• Transportation expenses: Erie will pay for up to 10 days more of transportation expenses after settlement if your car gets totaled.
• Waived deductibles: In some cases, Erie will waive your auto insurance deductible for covered claims.

Adding on the Auto Plus package is worth the price for most drivers.

Other Erie Insurance Types

Erie offers several other insurance types besides auto insurance. You may want to purchase more than just auto insurance at Erie to earn bundling discounts. Some of the other main types of insurance offered at Erie are:

• ATV, snowmobile, and golf cart insurance
• Boat insurance
• Business insurance
• Collector/classic car insurance
• Condo insurance
• Home insurance
• Life insurance
• Motorcycle insurance
• Recreational vehicle insurance
• Renter’s insurance

Erie provides a full range of insurance options for customers looking to bundle insurance policies at one company.

erie insurance group Insurance Rates Breakdown

Price is a huge selling point regarding car insurance policies. Erie tends to be one of the cheapest insurance companies, as its rates are below the national average. Take a look at Erie’s rates below:

Remember that Erie’s rates depend on the individual driver’s history, vehicle, and more. The best way to determine how much Erie will cost for you is to get Erie insurance quotes.

Erie Auto Insurance Rates vs. Competitors’ Rates

Erie’s average auto insurance rates are around 50% lower than the national average. Check out the table below to compare Erie car insurance rates to competitors:

As you can see, you’ll likely get more affordable rates from Erie car insurance compare to its competitors. The next cheapest company is Geico auto insurance, offering full coverage for $80 monthly on average. However, rates vary due to many factors, like company, driving profile, and demographics, so compare your Erie auto insurance quote against competitors to find the best deal for you.

Erie Auto Insurance Rates by Age

Age is a significant factor in determining auto insurance rates. Here’s a look at Erie’s average monthly full coverage rates for adult drivers:

Auto insurance for teens costs significantly more than for adults since Erie car insurance, like most companies, considers teenagers high-risk due to their lack of driving experience.

If you look at the rate difference in the two charts above, you'll see that rates tend to go down as you age. However, as drivers enter their senior years, they may see their Erie car insurance rates increase.

While auto insurance for seniors is more expensive than average, you can still find affordable rates from Erie car insurance.

Erie Auto Insurance Rates by Driving History

Being a safe driver pays off when looking for auto insurance. You'll likely pay more for auto insurance for drivers with a bad driving record, like DUIs, speeding tickets, or at-fault accidents.

Keeping your driving record clean is a great way to avoid higher auto insurance rates.

erie insurance group Discounts Available

For those wondering how to lower your auto insurance, Erie car insurance discounts can significantly reduce auto insurance costs. Erie auto insurance discounts include:

• Annual payment plan discount: You can earn a discount if you pay your plan in a lump sum instead of monthly payments.
• Car safety equipment discount: You can earn a discount if your vehicle has safety features like anti-lock brakes.
• Multi-vehicle auto insurance discount: Adding more than one vehicle to your policy will result in cheaper rates.
• Multi-policy discount: Erie will give you a discount if you sign up for more than one type of policy, such as home and auto.
• Reduced usage discount: Erie insurance discounts your rates if you don’t drive for at least 90 consecutive days, like if you travel abroad.
• Safe driving discount: You can get discounts on your insurance policy if you keep a clean driving record.
• Young driver discount: Young drivers under 21, unmarried, and living with their parents can earn a discount.

Qualifying for as many Erie insurance discounts as possible can help reduce your rates.

Is auto insurance eating up precious dollars in your budget?💰At https://t.co/27f1xf131D, we've got a full list of discounts available, so you can stop overpaying and start saving!🙌Find out what discounts you qualify for here👉: https://t.co/JEnTbtVlQv pic.twitter.com/XHkZyAdqwO

— AutoInsurance.org (@AutoInsurance) April 28, 2023

Erie offers a good selection of discounts, and having a clean driving record will greatly reduce rates.