Erie insurance review 2025
Erie Insurance focuses on low-risk customers with good credit and clean records, so it's not for everyone — but for eligible shoppers in Erie's 12-state operating region and D.C., this service-focused carrier may be among the best.
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AutoAvg. annual premium for full coverage $2,261Avg. annual premium for min coverage $742HomeAvg. annual premium for $300k dwelling coverage $2,498Avg. annual premium for $750k dwelling coverage $5,362
News
In the summer of 2025, Erie faced 14 class-action lawsuits associated with an alleged data breach that was believed to have compromised customer privacy. As of August, however, the Erie Times-News reported that all but four of the lawsuits had been dropped when it was determined that no customer data had been compromised in the cyberattack.
Compare Erie with other insurers
Erie may be a great option for some shoppers, but it's not the right fit for everyone. Here's how Erie Insurance compares to two close competitors.
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Featured
Erie
3.9
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.2Coverage 3.8Support 3.2 |
Allstate
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.6Coverage 4.5Support 4.6 |
Travelers
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.9Coverage 4.2Support 4.4 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Only available in 12 states and Washington, D.C., Erie provides affordable auto and home insurance with coverage options beyond the industry standard.
Read More
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Allstate earned the 2025 Bankrate Award for Best for First-Time Homeowners and may be a great fit for anyone outside of Erie’s coverage network seeking multiple types of insurance.
Read More
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A wider geographic range and more home insurance endorsements than Erie could give Travelers an advantage for some customers who prefer to manage their auto and home insurance in one place.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Stellar J.D. Power scores
Erie Rate Lock
Guaranteed replacement cost
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Highly-rated mobile tools
Two usage-based programs
Teen driver training program
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Robust coverage options
Numerous potential discounts
Home insurance endorsements
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $2,261 | $3,354 |
$2,222 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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733/1000 |
691/1000 | 684/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$2,498 |
$2,573 | $2,787 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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705/1000 |
665/1000 | 678/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A+(Superior) | A+(Superior) |
A++(Superior) |
Erie car insurance review
For 2025, Erie's auto insurance product earned a Bankrate Score of 4.1 out of 5.0, reflecting the carrier's reputation for stellar customer service, efficient claims handling and high-quality coverage. The primary factor bringing Erie's Bankrate Score down from the maximum possible 5.0 points is its limited geographic availability: Erie only sells car insurance in 12 states in the Northeast, Midwest and South along with Washington, D.C.
Robust coverage options and affordable pricing make up the bedrock of Erie's auto insurance offering. Custom coverage options include full window glass repair coverage, pet injury coverage, diminishing deductibles and accident forgiveness. Erie also offers a unique Rate Lock feature, which allows policyholders to avoid future rate increases.
Pros and cons of Erie car insurance
If Erie car insurance is available in your state, consider the following advantages and disadvantages of their auto insurance product.
Pros
- Extremely high customer satisfaction and claims scores from J.D. Power
- Erie Rate Lock may help prevent future rate hikes
- Full coverage packages include multiple endorsements by default
Cons
- Only available in 12 states and D.C.
- Limited digital tools
- Fewer discounts than competitors
Erie car insurance cost
According to average premium data from Quadrant Information Services, the average monthly cost of full coverage car insurance from Erie is $188. For state minimum coverage, the monthly average is $62. That's 15 percent less than the national average for full coverage and 8 percent less than the national average for state minimum coverage.
Compare Erie car insurance rates
In general, Erie's car insurance premiums are lower than those of most competitors. However, keep in mind while requesting quotes that Erie serves customers in a more limited geographic region.
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$188
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$62
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$157
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$41
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Erie car insurance quotes by driver profile
While Erie's base premiums are lower than most competitors, these low rates may be reserved for drivers with Erie's ideal desired profile: drivers with good credit and a clean driving record. Drivers with past tickets or accidents, or those with poor credit, may receive higher quotes from Erie.
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Good driver, good credit
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Erie full coverage premium
$2,252
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National full coverage premium
$2,679
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Erie full coverage premium
$4,790
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National full coverage premium
$4,696
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Erie full coverage premium
$2,513
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National full coverage premium
$3,281
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Erie full coverage premium
$2,565
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National full coverage premium
$3,857
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Erie full coverage premium
$4,147
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National full coverage premium
$5,249
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Erie car insurance quotes by age
Drivers under age 25 typically see higher premiums than more experienced drivers. Erie may be a competitive option for younger drivers, especially those on a family policy, provided their information otherwise matches Erie's desired customer profile.
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Erie full coverage premium
$4,977
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National full coverage premium
$5,710
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Erie full coverage premium
$4,433
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National full coverage premium
$4,925
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Erie full coverage premium
$3,974
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National full coverage premium
$5,398
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Erie full coverage premium
$2,819
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National full coverage premium
$3,294
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Erie full coverage premium
$2,462
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National full coverage premium
$2,850
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Erie full coverage premium
$2,261
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National full coverage premium
$2,671
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Erie full coverage premium
$2,040
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National full coverage premium
$2,415
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Erie home insurance review
Erie's home insurance reveals the same strengths and weaknesses as its auto insurance product, earning a similar Bankrate Score of 4.3 out of 5.0. While limited regional availability and poor digital tools reduced Erie's score for home insurance, its excellent customer service record and affordable rates give it a significant competitive edge in its operational area.
Guaranteed replacement cost is a standard feature of all Erie home insurance policies. Flood insurance, which typically has to be purchased from a separate company, is available as a policy endorsement from Erie.
Pros and cons of Erie homeowners insurance
Home insurance from Erie may be a good option for many homeowners, but it's worth considering some of the drawbacks.
Pros
- Guaranteed dwelling replacement cost coverage is standard on Erie homeowners policies
- Ranked fourth in J.D. Power's 2024 U.S. Home Insurance Study
- Standard home insurance policies include up to $500 in pet coverage
Cons
- Limited discount opportunities
- Few optional coverages available
- Not available in all states
Erie home insurance cost
Data from Quadrant Information Services indicates that the average cost of home insurance from Erie is $2,498 per year for $300K in dwelling coverage. Compared with the national average of $2,408 per year, Erie's average rates are 4 percent more than average.
Compare Erie homeowners insurance rates
Erie may have higher home insurance premiums than some other major insurers, while its average rates are lower than those of other top-rated carriers. However, keep in mind that these averages may vary based on your location and risk factors specific to your home.
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$2,498
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+ $90 |
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$2,186
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- $222 |
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$2,573
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+ $165 |
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$1,248
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- $1,160 |
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$2,787
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+ $379 |
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$2,073
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- $335 |
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$3,257
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+ $849 |
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$1,980
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- $428 |
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$2,711
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+ $303 |
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$2,084
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- $324 |
Erie home insurance quotes by dwelling coverage
Erie's home insurance rates tend to be slightly higher than average, but those rates vary depending on the amount of dwelling coverage you purchase.
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$150K dwelling
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Erie average premium
$1,439
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National average premium
$1,442
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$300K dwelling
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Erie average premium
$2,498
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National average premium
$2,408
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$350K dwelling
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Erie average premium
$2,861
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National average premium
$2,724
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$450K dwelling
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Erie average premium
$3,564
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National average premium
$3,357
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$750K dwelling
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Erie average premium
$5,362
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National average premium
$5,237
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with Erie
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Erie life insurance review
In addition to home and auto insurance, Erie offers three life insurance products: term life, whole life and Erie's exclusive ERIExpress Life, which is available as either a term or whole life insurance policy. If you're looking for quick life insurance quotes, Erie may be an option worth checking out.
The ERIExpress life insurance product offers a few benefits compared to traditional term or whole life insurance policies, which are also available through Erie. ERIExpress requires no medical exam for applicants, includes an automatic accelerated death benefit rider and can be purchased for a five-year term, the shortest term that Erie offers. However, coverage is only available in amounts from $10,000 to $500,000, which may not be adequate for all families.
Pros and cons of Erie life insurance
Erie may be the best life insurance company for some shoppers, especially if you already have home and/or auto insurance through the company — but it's not the right choice for everyone.
Pros
- ERIExpress offers term and whole life insurance with no medical exam
- Term and whole life insurance available
- Multi-policy discounts for home and auto customers
Cons
- Only advertises one rider
- Online quoting not available
- Not available in all states
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Erie?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
What Bankrate staffers have to say about Erie
"Erie's online experience makes it very easy to pay my auto insurance bill. There's a clear callout on how much is due & when, that when clicked takes you to an experience where it only takes 2 clicks to make your payment. They do a good job reminding you when your bill is due, sending both an email and physical mail about a month ahead of the payment date. I pay my home insurance out of the escrow account within my mortgage provider. It seems like Erie is efficient in communicating with the mortgage provider so that when rates increase a bit (and as such the old escrow payments no longer would fully cover the cost) they adjust the monthly escrow payment quickly to accommodate."
—BRAYDEN SIMS, SENIOR DIRECTOR OF SEO AND ERIE CUSTOMER FOR FOUR YEARS
Frequently asked questions
What policyholders are saying about Erie
Erie has 49 reviews
Dive into community reviews below and see what others think about Erie.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
- Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
- Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
