This is an iconGenerous coverages with certain policies
This is an iconVaried add-ons
This is an iconBig discounts with bundled services


This is an iconLimited service in western states
This is an iconHigher premiums
This is an iconRestrictions on filing claims online

With bargain auto insurance quotes in comparison to other providers, stellar customer satisfaction ratings, great value with base policies and numerous features, Erie Auto Insurance is an A-list insurer that could cover you in many ways. However, their coverage only applies if you live in an eligible state. Although Erie is a legacy insurer, its network is thin in the western region. But if you live in eastern, midwestern or southern locations, Erie offers many opportunities to save while providing top-notch coverage.

How Does Erie Auto Insurance Rate?

Erie Auto Insurance is highly ranked among industry-standard rating agencies, including J.D. Power, Consumer Reports, the National Association of Insurance Commissioners (NAIC) and AM Best.

Customer Satisfaction Rating

First Notice of Loss:
Estimation of Process:
Repair Process:
Claims Servicing:
Rental Experience:

Erie Auto Insurance’s consumer satisfaction ratings are among the best in the industry. But results were sampled from a smaller network compared to those that were sampled from larger networks operated by nationally-based insurers.

Nonetheless, Erie Auto Insurance is one of J.D. Power’s top five insurance companies.

Customer Complaint Ratio


The National Association of Insurance Commissioners (NAIC) issues the Customer Complaint Ratio, which tracks the number of public complaints lodged against insurance companies. The ratio is calculated by dividing each insurer’s complaint index by the national median. The default national median is 1. It’s based on complaint indices from all regulated insurance companies, according to the type of policy. Ideal performance standards should fall below 1.

Financial Strength

AM Best is the world’s largest credit-rating agency specializing in insurance. It issues the AM Best Financial Strength Rating, which is a financial quality assurance measure to ensure certain insurance companies can meet their financial obligations. The ratings gauge fiduciary strength and are not a warranty for policyholders.


Erie Insurance Features

Erie’s competitive policies allow you to customize your policy in various ways. Certain coverages that are typically add-ons with some insurers are included in a few of Erie’s base policies. Rate-lock and extended coverage options are also key features. If you’re looking to tailor your policy for specific purposes, Erie has many selections to choose from.

  • Type of Feature
  • Online Bill Pay
    With an online account, you can pay your premium online.
  • Online Claims
    Auto claims are handled over the phone, but auto-glass claims can be filed online.

Erie Auto Coverage

Each state mandates the level of car insurance protection drivers need to have. Most states require liability coverage, which includes bodily injury and property damage. Other frequently mandatory coverage includes medical payments or personal injury protection (PIP) and uninsured motorist protection. Your lender may require you to add comprehensive and collision coverage.

A basic Erie auto package includes these features with certain eligibility and restrictions based on the specific policy and your state-of-residence.

  • Type of Coverage
  • Collision
    Erie pays for damages to your car that result from an at-fault collision with another vehicle or object.

Optional Insurance Features and Coverage

Erie has many single coverages to accessorize your policy. Certain restrictions and applications apply based on your location.

  • Type of Option
  • Rental Reimbursement
    A replacement vehicle is provided while your rental is being repaired. Premiums are based on the class of your car, ranging from Class, such as compact Sedans, to Class 6, such as specially-equipped models.
  • Roadside Assistance
    For an extra $5, Erie’s emergency roadside service covers you if you become stranded from an empty gas tank, lockouts, flat tires, mechanical breakdowns and dead batteries.
  • Accident Forgiveness
    No surcharge is added for your first claim if you’ve held a policy for at least three years.
  • New Car
    If your vehicle is two years off of the lot and it’s destroyed in a collision, Erie will replace it with the newest comparable model year minus your deductible.

Available Discounts on Erie Car Insurance Coverage

Erie’s discounts are less than some other insurers, but if you meet eligibility criteria you could save additional cash. Car safety equipment discounts could automatically apply as newer vehicles are pre-installed with some of the qualifying equipment. If your driving record has no major infractions, you could easily save on your premium.

  • Type of Discount
  • Safe Driver
    If you’ve maintained a good driving record, you may receive a discount on your premium.
  • Multi Vehicle
    If you insure two or more of your cars with Erie, a discount may apply. All of the vehicles in your household, however, must be owned and used by the policyholder.
  • Multi Policy
    Standard multi-policy premium discounts are around 20% if you add a qualifying life insurance policy or home policy.
  • Safety Equipment
    Savings are available if your vehicle is installed with safety equipment, such as factory-installed airbags, passive restraint, anti-theft devices and anti-lock brakes.
  • Pay In Full
    A discount may apply if you pay your auto premium in one lump sum.

Other Erie Insurance Products

In addition to selling automotive insurance, Erie’s sells other types of protection, typically what you might find with other large insurers. But if you’re also shopping for homeowner’s insurance and you live in an eligible state, consider bundling your auto coverage. Erie’s multi-policies offer discounts from 16% to 25%, with most around 20%, depending on your location and policy start date. If you’re looking for business insurance, Erie also has an impressive portfolio to choose from.

  • Type of Product
  • Homeowners Insurance
    Erie has homeowner’s insurance for homeowners, renters, condo, mobile home, personal valuables and flood insurance. Erie’s Guaranteed Replacement Cost coverage for homeowner’s insurance covers your home’s original value, even if it needs to be rebuilt.
  • Life Insurance
    Retirement services and life, personal catastrophe liability, identity theft, Medicare and long-term care rider protection are available.
  • Business Insurance
    Packages include business, business auto, wholesaler distributors, restaurant, risk control, workers’ compensation and other industry options.

How to Make a Car Insurance Claim With Erie

To file most claims, you have to do it over the phone. You can file an auto glass or workers’ compensation claim, however, online as well. But you need to set up an online account. To open a claim over the phone, follow these steps: 1. Call (800) 367-3743 2. Select the prompt that applies to you 3. Stay informed with your online account, where you can review: - The status of your claim - Rental company and repair shop services - Payments entries including a history of credits made to you - Contact information for claims representatives handling your claim

Contact Erie Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Eric is a senior writer and content strategist who writes about personal finance, insurance, real estate, investing and more. His lived experience informs his expertise on these topics: Eric served as a Licensed Real Estate Salesperson for Century 21 Metropolitan in New York City and sold commercial, residential and rental real estate. He also holds an Investment Foundations certification issued by the CFA Institute. Eric earned his Master of Science in Interactive Media from DePaul University.