Erie Car Insurance Review 2024

Erie Car Insurance Review

Erie Car Insurance Review 2024 Erie insurance company has a lot to offer its customers, with good coverage options and an impressive A- rating for its collision repair claims process. This makes it a viable option for drivers searching for an affordable auto policy. Erie’s rates are reasonable and generally accessible to most driver profiles, which is an added advantage. If you’re shopping for car insurance, Erie is definitely worth considering due to its comprehensive coverage and affordable pricing. Additionally, Erie also offers numerous discounts such as multi-policy discounts, good driving discounts, and more, which can further reduce the cost of your premium.

Outlines Of Guide

Erie Car Insurance Review 2024

In 2024, Erie car insurance continues to be a reliable choice for many drivers. With its comprehensive coverage options and competitive rates, Erie car insurance provides peace of mind on the road. Customers appreciate the excellent customer service and prompt claims handling that Erie offers. The company’s commitment to personalized service sets it apart from other insurance providers, as policyholders can work directly with a local agent who understands their unique needs. Additionally, Erie’s discounts and rewards programs help drivers save money on their premiums. Overall, Erie car insurance remains a top choice for those seeking quality coverage and exceptional customer service.

Pros & Cons

Erie car insurance has both pros and cons that should be considered when choosing an insurance provider. One of the main advantages of Erie car insurance is its strong customer service reputation. Many policyholders have praised the company for its responsive and helpful customer support. Additionally, Erie offers a variety of coverage options, including comprehensive and collision coverage, as well as optional add-ons like roadside assistance. On the downside, Erie car insurance may not be available in all states, so it’s important to check if it operates in your area. Some customers have also reported higher premiums compared to other insurance providers. Ultimately, it’s essential to carefully evaluate your individual needs and compare quotes from different insurers to determine if Erie car insurance is the right choice for you.

Pros

  • Offer accident forgiveness and vanishing deductibles.
  • Good for new car owners as it offers gap insurance and new car replacement coverage.
  • Erie’s Rate Lock makes it easier to budget costs by keeping your price the same year after year (unless you make certain changes to your policy, such as adding or removing a car).

Cons

  • Has high average rates for drivers with bad credit.
  • Erie is a regional insurer and only available in 12 states and Washington, D.C.

About Erie Car Insurance Review 2024

In 2024, Erie car insurance continues to be a top choice for many drivers. With its strong reputation for excellent customer service and competitive rates, Erie has consistently delivered high-quality coverage and reliable claims handling. Customers appreciate the ease of managing their policies through Erie’s user-friendly online platform and the peace of mind that comes with knowing they are protected by a financially stable and reputable company. Additionally, Erie offers a range of discounts and customizable coverage options to meet the unique needs of each driver. Overall, Erie car insurance remains a trusted option for drivers looking for reliable coverage and exceptional service in 2024.

Erie Car Insurance Rates vs. Competitors

When it comes to car insurance rates, Erie Insurance is known for offering competitive pricing compared to its competitors. In fact, Erie has consistently ranked as one of the top insurance companies in terms of affordability and customer satisfaction. While rates may vary depending on factors such as location, age, and driving record, Erie’s commitment to providing affordable and reliable coverage sets them apart from other insurance providers. Additionally, Erie offers a range of discounts and benefits that can help drivers save even more on their car insurance premiums.

Erie Car Insurance Rate Comparison for Good Drivers

Erie is a great option for car insurance if you are a good driver looking for competitive prices. Their national average rate for good drivers is slightly below the average of $2,026 per year among the companies analyzed. Erie’s affordable prices and reputation for excellent customer service make it a top choice among drivers. Additionally, they offer a range of coverage options and discounts to help you tailor your policy to fit your needs and budget.

Company National average annual cost for good drivers
USAA $1,364
Nationwide $1,436
Travelers $1,521
Geico $1,597
Erie $1,642
Progressive $1,826
State Farm $2,025
Allstate $2,896
Farmers $3,093

Erie Car Insurance Cost Comparison for Drivers With a Speeding Ticket

Erie provides competitive prices for drivers with a history of speeding tickets. If you have traffic violations on your driving record, you can compare car insurance quotes from a minimum of three auto insurance companies to find the best deal.

Company National average annual cost for drivers with a speeding ticket
USAA $1,661
Nationwide $1,878
Erie $1,899
Travelers $2,062
Geico $2,150
State Farm $2,270
Progressive $2,350
Allstate $3,312
Farmers $3,951

Erie Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury

Erie’s car insurance rates are among the most affordable we observed in our examination of expenses for drivers who were at fault in an accident causing injury to another person. USAA is slightly less expensive, but only individuals with a military affiliation can purchase a policy with them.

Company National average annual cost for drivers causing an accident with injury
USAA $1,958
Erie $2,224
Travelers $2,293
Nationwide $2,337
State Farm $2,428
Geico $2,748
Progressive $2,770
Farmers $4,412
Allstate $4,545

Erie Car Insurance Cost Comparison for Drivers With a DUI

Drivers with a DUI pay an average of $3,363 annually for auto insurance nationwide, but Erie’s car insurance is nearly $700 less, making it worthwhile to consider when obtaining insurance quotes after a DUI.

Company National average annual cost for drivers with a DUI conviction
Progressive $2,307
USAA $2,604
Travelers $2,610
Erie $2,665
State Farm $2,716
Nationwide $3,083
Geico $3,723
Farmers $4,272
Allstate $4,315

Erie Car Insurance Cost Comparison for Drivers With Poor Credit

Erie’s average car insurance expenses are relatively high for individuals with poor credit compared to certain rivals, but they still fall below the national average of $3,847 per year. Insurance firms assert that an individual’s credit score is linked to the likelihood of filing an insurance claim in the future, resulting in increased car insurance premiums for those with unfavorable credit. California, Hawaii, Massachusetts, and Michigan prohibit car insurance providers from considering credit history when setting rates.

Company National average annual cost for drivers with poor credit
Nationwide $2,051
USAA $2,450
Geico $2,482
Travelers $2,699
Progressive $3,221
Erie $3,701
Allstate $4,531
Farmers $4,889
State Farm $7,961

Erie Car Insurance Cost Comparison for Adding a Teen Driver

Adding a teen driver to your car insurance with Erie is relatively inexpensive compared to other companies we reviewed, with only Nationwide offering a lower cost. Erie’s average annual price is over $750 less than the national average of $2,359. However, it’s important to note that adding a teen driver can significantly increase your rates, potentially costing parents over $2,000 more per year. Therefore, it’s advisable to compare rates from Erie, Nationwide, and other companies to find the best option for your teen driver.

Company Increase per year for adding a 16-year-old driver
Nationwide $893
Erie $1,606
Farmers $1,900
Geico $1,982
Progressive $2,062
USAA $2,466
State Farm $2,622
Allstate $2,643
Travelers $2,728

Erie Car Insurance Cost Comparison for Young Drivers Ages 18 to 25

Erie car insurance is affordable for drivers aged 18-25, with an annual cost nearly $1,200 lower than the national average of $3,113. These costs apply to young drivers who buy their own insurance policies, and they can reduce expenses by remaining on a parent’s policy for as long as they can.

Company National average annual cost for young drivers
Travelers $1,634
Erie $1,941
USAA $2,403
Geico $2,408
Nationwide $2,472
Progressive $2,635
Farmers $3,071
State Farm $3,263
Allstate $4,865

Erie Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

For drivers aged 65 to 80, Erie offers car insurance at competitive prices. According to their analysis, the national average cost of senior car insurance is $2,150 per year. However, with Erie’s affordable rates, seniors can save money without sacrificing coverage. It is essential for seniors to shop around and compare car insurance policies to find the best value for their needs. Additionally, many insurance companies offer discounts for safe driving and completing defensive driving courses, which can help lower premiums even further.

Company National average annual cost for senior drivers
Nationwide $1,402
USAA $1,455
Travelers $1,668
Geico $1,793
Erie $1,831
Progressive $1,937
State Farm $2,009
Allstate $2,996
Farmers $3,199

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Auto Insurance Complaints Against Erie

Erie auto insurance stands out with a significantly lower level of auto insurance complaints compared to many other major insurers. This information is based on the complaints reported to state insurance departments throughout the United States. Furthermore, Erie’s complaint rates are also below the industry average. The most common complaints associated with Erie’s auto insurance policies include issues related to rates, surcharges, nonrenewal of policies, and delays in claims processing. Despite these concerns, Erie’s reputation for providing quality auto insurance coverage remains strong due to its commitment to customer satisfaction and competitive pricing.

Erie’s Grade from Collision Repair Professionals: A-

According to a survey conducted by CRASH Network among collision repair professionals, Erie received the highest grade of A- among the auto insurance companies evaluated. The survey relied on the feedback of auto body professionals who assessed insurers based on their use of lower-quality repair parts, promotion of car makers’ recommended repair procedures, and the effectiveness of their claims processes in delivering timely and satisfactory customer claims.

Erie’s Grade from Collision Repair Professionals: B+

CRASH Network surveyed collision repair professionals and awarded Erie a B+ grade, which tied for the third best. The survey relied on the feedback of auto body professionals, who assessed insurers on the use of lower-quality repair parts, promotion of car maker-recommended repair procedures, and the efficiency of claims processes for customers.

Does Erie Offer Accident Forgiveness?

Erie provides accident forgiveness insurance, which means Erie customers of at least three years won’t face a surcharge for their first at-fault accident. However, the three-year wait and First Accident Forgiveness may not be available in all states, and it doesn’t apply when the Rate Protection Endorsement is on the policy.

Does Erie Offer New Car Replacement?

Erie provides an optional new car replacement coverage for an additional fee. If your car is totaled and you’ve owned it for less than two years, Erie’s Auto Security program will replace it with the newest comparable model, minus the deductible. If the car is over two years old when totaled, Erie will cover the cost to replace it with a comparable model that is two years newer, minus the deductible. For leased cars, Erie’s Auto Security will pay the difference between the vehicle’s actual cash value and the amount due on the lease if it gets totaled. This coverage is subject to availability in certain states and requires comprehensive and collision coverage on eligible vehicles.

Does Erie Offer Gap Insurance?

Certainly, Erie provides loan or lease gap insurance. Gap insurance functions as follows: Suppose you have a fairly new car that is totaled in an accident. You still have a $20,000 balance on the car loan, but the car’s value is only $17,000. Therefore, there is a $3,000 difference between the amount owed to the lender and the insurance payout for the totaled car. Gap insurance would cover the disparity between the car’s value and the amount owed to the lender.

Does Erie Offer a Diminishing Deductible?

Certainly! Erie offers a diminishing deductible option through its Auto Plus endorsement. With Auto Plus, the deductible reduces by $100 for each claim-free year, up to a maximum decrease of $500. Therefore, if you have a $500 deductible and don’t file a claim for five years, your deductible becomes zero when you need to file a claim.

Does Erie Offer SR-22s?

Certainly, Eric offers SR-22 insurance. Erie provides an SR-22 certificate, which may be mandated by a state for high-risk drivers, including those with multiple violations. An SR-22 serves as confirmation that the driver is adequately insured.

Does Erie Offer Usage-Based Insurance?

Erie does not offer a usage-based insurance program. Numerous other auto insurance companies provide usage-based programs that track a driver’s real-time driving behavior and generate a driving score. These programs usually assess braking, speeding, and mileage. If you achieve a good score, you can receive a discount.

Does Erie Offer Pay-Per-Mile Insurance?

Unfortunately, Erie does not provide a pay-per-mile car insurance option. However, several other insurance companies offer this type of policy where rates are determined based on how many miles a person drives. Pay-per-mile coverage can be an excellent choice for those who drive infrequently or have a short commute. It can help them save money on their premiums while still providing the necessary coverage they need. The pay-per-mile model benefits both the insurer and the insured by encouraging safer driving habits and reducing overall risk.

Does Erie Offer Rideshare Insurance?

Erie provides rideshare insurance for drivers working with services like Lyft and Uber. This insurance helps fill in the coverage gaps that often occur when waiting to accept a ride request, ensuring that drivers have adequate coverage during this time.

Additional Erie Car Insurance Options

If you purchase a car insurance policy from Erie, you’ll receive a range of built-in coverage types that can provide comprehensive protection on the road. These coverage types include liability insurance, collision coverage, personal injury protection, and uninsured/underinsured motorist coverage. With these coverages in place, you can feel confident that you’re protected against any unforeseen accidents or incidents while driving. Additionally, Erie offers various optional coverages such as rental car reimbursement and roadside assistance to tailor your policy to your specific needs.

Pet injury coverage. If your pet is hurt in an accident covered by your policy, Erie will reimburse vet costs up to $500 per pet or $1,000 total.

Travel expenses. This covers expenses like meals and hotel bills if you can’t drive your car and are stuck away from home because of a problem covered by your policy.

Windshield repair.Erie will waive the deductible on your comprehensive coverage if your windshield can be repaired instead of replaced.

Erie sells a number of add-on options for auto insurance such as:

Erie Auto Plus. The benefits package comprises roadside help, coverage for transportation costs for a maximum of 10 days in the event of your car being totaled, a reducing deductible for each year without claims, higher coverage limits, deductible waivers (under specific conditions), and a $10,000 death benefit for you or a family member in the event of a car accident.

Erie Rate Lock. Your rates will remain the same unless you modify your policy by adding a car, another driver, or relocating to a new city.

Erie Auto Insurance Discounts

Erie Insurance offers a range of discounts to its auto insurance policyholders. These discounts include multi-car discounts, safety feature discounts, and good driving discounts. Erie also offers a first accident forgiveness program, which allows drivers with clean records to have their first at-fault accident forgiven without any rate increases. Additionally, Erie offers a diminishing deductible program that lowers your deductible for every year you go without an accident. These discounts can help reduce your overall insurance costs while still providing comprehensive coverage for your vehicle. Erie Insurance offers a number of different ways to save money on auto insurance premiums.

Annual payment plan. If you pay the full amount of your premium at one time, you’ll be eligible for a discount.

Car safety equipment discounts. If you have safety equipment on your car like factory-installed air bags, anti-theft devices and anti-lock brakes, you may qualify for a discount.

Multi-car discount. You can land a discount if you insure two or more cars.

Multi-policy discount. Erie offers a discount of approximately 20% to drivers who combine their auto and home insurance.

Reduced usage discount. Only use your car occasionally? If you go at least 90 straight days without using your car, you can qualify for a reduced price.

Safe driving discount. If you avoid car accidents and traffic violations, you can earn a discount.

Young driver discount. Does a young driver live with you? If that driver is under age 21 and unmarried, you can save money on your car insurance.

More Insurance from Erie Insurance

Erie sells a variety of other policies to protect your other financial interests and assets. For example, restaurateurs can buy restaurant insurance. And for those who own other types of businesses, Erie offers business insurance and risk control services (including assistance from a risk control consultant).

Other policies Erie offers include:

  • Home insurance
  • Commercial auto insurance
  • Identity theft recovery
  • Life insurance
  • Long-term care riders
  • Medicare supplement
  • Personal catastrophe liability insurance
  • Wholesale distributors insurance
  • Workers compensation insurance

About Erie Insurance

Oliver Crawford and Henry Hirt established Erie Insurance in 1925 in Erie, Pennsylvania. Over the years, Erie has extended its reach to 12 states and Washington, D.C., and has grown to employ more than 6,000 people, with over 13,000 independent agents and over six million active policies.

What States Does Erie Car Insurance Operate In?

Erie is available in 12 states and Washington, D.C.:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

Methodology

To determine the best car insurance provider, several factors need to be taken into account. These factors include the auto insurance rates offered by each company, the coverage options available, customer complaints against the company, and its collision repair process. Comparing auto insurance rates is essential since it can vary significantly from one provider to another. Coverage options are equally important as they determine the extent of protection offered in case of an accident or damage to your vehicle. Additionally, customer reviews and complaints can provide valuable insights into a company’s reliability and customer service levels. Finally, understanding the collision repair process of an insurance provider is crucial. This includes knowing how they assess damages and how they handle claims and repairs. By evaluating these factors, you can make an informed decision about which car insurance provider will best suit your needs.

Auto insurance rates (50% of score)

Data from Quadrant Information Services was utilized to determine the average rates from each company for different types of drivers, such as good drivers, those with a history of accidents, speeding tickets, DUIs, poor credit, lack of insurance, as well as the impact of adding a teen driver, senior drivers, and young drivers. Unless stated otherwise, the rates are based on a 40-year-old female driver with a Toyota RAV4 and specific coverage.

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score)

It is essential for any car insurance company to offer fundamental liability insurance, collision and comprehensive coverage, along with other standard options. However, it is equally important to have access to supplementary coverage options for enhanced protection and potential cost benefits. Our evaluation includes companies that provide accident forgiveness, new car replacement, disappearing deductibles, usage-based or pay-per-mile insurance, and SR-22s.

Complaints (20% of score)

Complaint data from the National Association of Insurance Commissioners was utilized. Each state’s insurance department is responsible for recording and overseeing complaints against companies operating within their jurisdiction. The majority of auto insurance complaints revolve around claims, such as inadequate settlements, delays, and denials. Companies with a ratio below 1.00 experience fewer complaints compared to the industry average.

Collision repair (5% of score)

We included ratings of insurance firms from collision repair experts, utilizing data from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance industries. The Insurer Report Card from CRASH Network utilized assessments from over 1,000 collision repair professionals to evaluate auto insurers based on the excellence of their collision claims service.

Is Erie car insurance good?

Erie car insurance may be a good fit for some drivers, especially seniors. It receives 3 stars out of 5 in our evaluation of top auto insurance companies in the nation. It earns 4.5 stars in our best car insurance for seniors rating, thanks to competitive rates for that group of drivers.Erie also offers rates that are below average for drivers with a history of speeding tickets or coverage gaps on their record.

Erie’s average rates may not be seen as competitive by some drivers in comparison to other companies in our best and cheapest car insurance ratings. However, it could still be beneficial to obtain a quote from Erie, as individual rates can vary. Additionally, Erie offers the Rate Lock feature to provide stability in rates, preventing premium increases unless policy changes are made. Erie also received the highest CRASH Network rating (A-) among the insurers analyzed, indicating a quality collision repair experience. However, Erie’s coverage is limited to a select few states, which may be a disadvantage for drivers in other states.

Complaints and customer satisfaction

Erie had close to the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. However, it had fewer than the expected number of complaints for home and life insurance.

J.D. Power study

Erie ranking

Auto insurance shopping

No. 2 out of 10 midsize companies.

Auto insurance claims satisfaction

No. 2 out of 24 companies.

Conclusion

Erie Car Insurance has proven to be a reliable and reputable insurance provider, offering comprehensive coverage and excellent customer service. With their competitive rates and various policy options, Erie is a top choice for many drivers. Whether you’re looking for auto insurance or any other type of coverage, Erie’s commitment to customer satisfaction and their track record of delivering on their promises make them a strong contender in the insurance market. To find out more about how Erie Car Insurance can meet your specific needs, be sure to read our detailed review.

Faqs 2024 Erie Car Insurance Review

Can I file a claim with Erie online?

In most cases no, you’ll need to call your local Erie agent or contact the insurer’s 24/7 support line at (800) 367-3743 to file a car insurance claim. However, if you need to submit a glass damage claim, you can do so by logging into your account.

Does Erie auto insurance offer SR-22s?

No, in most cases Erie auto insurance doesn’t offer SR-22s. However, if you need an SR-22 and are a current Erie customer, consult your agent to inquire.

An SR-22 is a proof of insurance form that is often required if you are convicted of a major traffic violation, such as a DUI or reckless driving infraction.

Does Erie offer usage-based insurance?

No, Erie doesn’t offer usage-based auto insurance.

If you’re looking for usage-based car insurance, consider getting car insurance quotes from one of our top-rated car insurance companies that provide this type of coverage, including American Family, Auto-Owners, Geico, Nationwide or Travelers.

Does Erie offer additional perks?

Yes, Erie offers perks with a basic policy that most insurers don’t. These perks include diminishing deductible, pet coverage, accident forgiveness and the option to lock in your auto insurance rates.

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