Erie Car Insurance Reviews with Discounts

Erie car insurance companies start in Pennsylvania and Washington D.C., They offer car insurance, life insurance, home insurance and business insurance products in 12 states. 

Eire provides typical car insurance policies, including underinsured motorists, personal injury, property damage, bodily injury and collision coverage.

Eire’s comprehensive policy covered beyond standard auto insurance by including transportation expenses, roadside assistance and locksmith services. Among them if the insured car is out of service and coverage for Pet coverage, Broken glass, Damaged wheel, Roadside rentals bundle, Rental car coverage and personal items.

Also, policyholders can select extra coverage for rental cars after a collision, diminishing deductible, higher coverage limits, a $10,000 survivor benefit and more.

In addition — it offers more special insurance coverage options for collectible and leisure vehicles, that’s— RVs, antique cars and boats.

Anyone can start an online process of the quote, who is interested. After, their insurance coverage will be finalized with a local agent.

Erie Car Insurance Reviews

According to data collected by NAIC (National Association of Insurance Commissioners), Erie car insurance has the lowest level of customer complaints compared to all other companies. It means a lower than average number of complaints to state departments for Erie car insurance. Erie Car Insurance Reviews.

My experience with Erie has been mixed. While their customer service representatives are generally friendly and knowledgeable, I’ve encountered some issues with billing errors and policy changes not being processed correctly. It’s been a bit frustrating having to follow up multiple times to get things sorted out.

Types of Erie car insurance offered services

  • Accident forgiveness. 
  • Auto glass repair.
  • Better car protection.
  • Comprehensive coverage.
  • Collision coverage.
  • Gap insurance.
  • Liability insurance.
  • Non-owners.
  • New and used car replacement.
  • Personal injury protection.
  • Pet coverage (while in vehicle).
  • Rental coverage.
  • Replacement coverage.
  • Rideshare insurance.
  • Roadside service.
  • Travel expenses.
  • Uninsured/underinsured motorist. 
  • Windshield repair.

Erie Additional insurance products offered service

  • ATV insurance.
  • Business insurance.
  • Boat insurance.
  • Condo insurance.
  • Collectors Insurance
  • Classic car insurance.
  • Extended water coverage. 
  • Flood insurance.
  • Golf car insurance.
  • Homeowners insurance.
  • Mobile home insurance. 
  • Motorcycle insurance.
  • No-exam life insurance.
  • Long-term care insurance.
  • Personal valuables insurance.
  • Renters insurance.
  • Recreational vehicle coverage.
  • Snowmobile insurance.
  • Term life insurance.
  • Universal life insurance.
  • Whole life insurance.

Who Can Get Erie Car Insurance?

Whose need a multi-policy option, Erie car insurance may be perfect an option for them, such as: homeowners, renters etc.

It offers multiple options of additional insurance products and when bundled it can bring down the average cost of auto insurance.

Erie can insurance may also be an option for drivers on an appropriate budget, as they provide FAF (First Accident Forgiveness) and a Rate Lock facility perk.

Rate Lock meaning, policyholders premium rates are locked in until they want changes to their insurance policy, for example adding a new driver or changing an old driver and changing primary residence etc.

Which States Offer Erie Auto Insurance Coverage?

Erie auto insurance is available in 12 states: Pennsylvania, Washington D.C., Indiana, Illinois, Maryland, New York, Kentucky, North Carolina, Ohio, Tennessee, Virginia, West Virginia and Wisconsin.

Erie Auto Insurance Discounts

Erie auto insurance offers a number of different options to save money on premiums. I explore the Erie auto insurance offer discounts here:

Multi vehicle discount: If you insure two or more vehicles, then you can get a discount offer.

Multi-policy discount: Whose drivers bundle home and auto insurance plans with Erie car insurance. They will get a discount offer of around 20%.

Annual payment plan: You will be eligible for a discount perk, If you will pay the total amount of your premium at one time.

Safety accessories discounts: If you want to buy safety accessories for your vehicle. Then, you can get a simple discount pack like anti-theft devices, anti-lock brakes, auto alarm, theft attention alarm, factory-installed air bags etc.

Young driver discount: If you are a young driver,  if you are under age 21 and unmarried, you can get a discount to save money on your car insurance.

Safe driving discount: Stay away from Erie if you value good customer service. I’ve never dealt with a more unhelpful and disorganized insurance company in my life. They seem more concerned with cutting corners and avoiding payouts than actually assisting their policyholders. Save yourself the headache and find a different insurer.

Reduced usage discount: If your car usage is low or only used your car sometimes? If the vehicle is not used for more than 90 days. Then, you can get your insurance price.

How to Buy Erie Car Insurance Quote

How to Buy Erie Car Insurance Quote?

First off, take an Erie car insurance quote from online, then fill up the quote form or contact a local agent of Erie. Is the best, when completing the quote form online, you will be matched with a local agent. He will help by asking any questions and finalizing your policy purchase process.

According to the Driving License or Identification card of prepared all the information for purchasing an Erie car insurance quote. Follow list below:

  1. Your Full Name
  2. Present and Permanent Address 
  3. Date of birth 
  4. Marital status
  5. Contact number (Mobile/TNT Phone)
  6. Email address
  7. Which age of received license
  8. Estimated annual and daily mileage
  9. Primary purpose for buying the vehicle
  10. Vehicle’s manufacturing and buying year, model, version
  11. Accident history
  12. Traffic rule violation history

Check out more: Top 10 Cheapest Car Insurance Companies Review

Advantage and Disadvantage


  • Erie earned an A+ (Superior) rating for financial strength from A.M Best.
  • High grades include using high-quality repair parts and satisfactory customer claims
  • If your pet is injured by a car accident, Erie offers up to $500 in veterinary coverage. .
  • The average rate is low for drivers in their 60s and 70s.
  • Have a Rate Lock program that ensures rates won’t go up unless you make definite changes to your insurance policy.
  • Lower than average rates for drivers with gaps in coverage on their record.


  • Washington D.C and other 12 states have it available.
  • Your claims aren’t accepted by online or mobile apps.
  • Quotes must be finalized with a local agent.
  • Even drivers with poor credit will get high rates at the same record.

Erie Car Insurance Rating

The Erie Car Insurance service is very good, that’s — coverage reputation, availability, cost, premium rates, customer satisfaction and more. Which is why most of the policyholders give five star ratings and it is one of the best car insurance providers in the US. Below, you can compare Erie’s ratings categories wise: 

Overall Rating9.4%
Customer Experience9.1%

Customer Satisfaction and Complaints

According to 3 years worth of data from the NAIC, Erie car insurance had close to the expected number of complaints. But, it has a much lower than the expected amount of complaints for life, health and home insurance.

J.D Power Study 2023Rank of Erie Auto Insurance
Shopping Auto InsurancePosition, 2 out of 10 midsize providers
Claims SatisfactionsPosition, 2 out 10 providers