If you’re shopping for auto, home, or life insurance and Erie Insurance has made your shortlist, you’re in the right place. With competitive rates, solid coverage options, and high customer satisfaction scores, Erie is an excellent choice—if you live in one of the 12 states where they operate. But is it the best choice for you? Let’s break it all down.
Erie Insurance at a Glance
- Founded: 1925
- Coverage Area: 12 states + Washington, D.C.
- Best for: Drivers and homeowners looking for stable, affordable coverage with a local agent touch
- Not ideal for: Those who want a mobile-first experience or live outside its coverage area
| Insurance Type | Bankrate Score |
|---|---|
| Auto | ⭐ 4.1/5 |
| Home | ⭐ 4.3/5 |
| Life | ⭐ 3.3/5 |
Erie Auto Insurance Review
Pros and Cons
✅ Pros:
- J.D. Power Ratings Are Top-Tier – High customer satisfaction in claims and service.
- Rate Lock Feature – No unexpected premium increases unless you change cars, drivers, or addresses.
- Perks Like Pet Coverage & Diminishing Deductibles – Most full-coverage policies automatically include these extras.
❌ Cons:
- Limited State Availability – Only available in 12 states.
- Mobile App Lacks Claims Filing – You still have to call in claims or file online.
How Erie Compares on Cost
Erie keeps things affordable. Here’s how their full coverage rates compare to the national average:
| Driver Profile | Erie Full Coverage | National Average |
|---|---|---|
| Good Driver, Good Credit | $2,149 | $2,638 |
| Speeding Ticket, Good Credit | $2,403 | $3,204 |
| At-Fault Accident, Good Credit | $2,470 | $3,774 |
| DUI Conviction, Good Credit | $3,982 | $5,106 |
👉 Takeaway: Erie’s rates are consistently lower than the national average, making it a great choice for budget-conscious drivers.
How Erie Handles Discounts
Erie offers common car insurance discounts, but it doesn’t have as many as big players like Geico or Progressive. Some savings opportunities include:
- Multi-policy discount
- Good student discount
- Driver training discount
- Safety feature discount (e.g., anti-theft devices)
Erie Home Insurance Review
Erie’s home insurance stands out thanks to guaranteed replacement cost coverage—something that not all insurers offer. That means if your home is destroyed, they’ll cover the full rebuild cost, even if it exceeds your policy limit.
Pros and Cons
✅ Pros:
- Guaranteed Replacement Cost Is Standard – Many competitors charge extra for this.
- High Customer Satisfaction – Ranked #1 in J.D. Power’s 2023 Home Insurance Study.
❌ Cons:
- Limited Discounts Available – Fewer ways to save compared to larger insurers.
- Only Available in Select States – No Erie? No home insurance for you.
How Erie Home Insurance Rates Compare
Erie offers home insurance at rates below the national average. See how they stack up:
| Coverage Amount | Erie Premium | National Average |
|---|---|---|
| $150,000 | $1,188 | $1,344 |
| $300,000 | $1,662 | $2,181 |
| $750,000 | $3,377 | $4,189 |
👉 Bottom Line: If Erie is available in your state, you’ll likely find an excellent balance of affordability and coverage.
Erie Life Insurance Review
Life insurance is where Erie falls a bit short. It offers:
- Term Life
- Whole Life
- Universal Life
- ERIExpress Life (no medical exam required for some applicants)
Pros and Cons
✅ Pros:
- Simplified ERIExpress Life Application – Faster approval for some policies.
- Multi-Policy Discounts Available – Bundle life with home or auto for extra savings.
❌ Cons:
- Limited Policy Riders – Customization is minimal.
- No Online Quotes – You’ll need to contact an agent for pricing.
👉 Final Verdict: If you want life insurance and already use Erie for auto or home, bundling could save you money. But if you need more policy customization, you might want to look elsewhere.
Erie vs. Competitors
So, how does Erie stack up against other top insurers?
| Company | Full Coverage Auto Rate | Home Insurance Rate | J.D. Power Auto Score | J.D. Power Home Score |
|---|---|---|---|---|
| Erie | $2,149 | $1,662 | 733/1,000 | 888/1,000 |
| State Farm | $2,887 | $1,916 | 691/1,000 | 868/1,000 |
| Allstate | $3,297 | $2,487 | 684/1,000 | 845/1,000 |
| USAA (Military only) | $1,897 | $1,289 | 884/1,000 | 889/1,000 |
👉 Key Takeaway: Erie delivers strong value, but if mobile tools or policy flexibility matter more to you, check out other options.
What Real Customers Say About Erie
Insurance can look great on paper, but what do real Erie customers say?
🔹 Reddit User: “I had an Erie homeowners claim a few years ago. The process was fast and painless. My auto and home were significantly cheaper than competitors.”
🔹 Bogleheads Forum User: “I’ve been with Erie for 30 years. Rates went up this year, but I stayed because of their great service.”
🔹 Bankrate Customer Review: “Price was unbeatable, but I wish they had better digital tools.”
Who Should Choose Erie?
- ✅ Best for: Drivers and homeowners in Erie’s coverage area who prefer working with local agents.
- 🚫 Not ideal for: People outside Erie’s 12-state footprint or those who rely heavily on mobile tools for policy management.
Frequently Asked Questions
🔹 How do I file a claim with Erie?
Call 1-800-367-3743 or visit their website.
🔹 Does Erie offer bundling discounts?
Yes! Bundling auto, home, and life can save you money.
🔹 Is Erie a Fortune 500 company?
No, but it has an A+ rating from AM Best, indicating strong financial health.
The Bottom Line
Erie Insurance is a fantastic option—if you live in one of the states they serve. Their affordable rates, high customer satisfaction, and solid coverage options make them a strong contender in the insurance world. But if digital convenience is a priority for you, you may want to explore other options like State Farm or Geico.