Erie Auto Insurance Review [2022]

Erie Insurance reviews rank the company in the top spot as the best for insurance shopping and in Erie Insurance claims satisfaction. Erie Insurance's financial ranking is also high, with a superior A+ rating from A.M. Best. If you live in the 12 states where Erie Insurance coverage is available, you'll be privy to their competitive auto insurance rates and discounts. Even if you don't have Erie Insurance where you live, you can still enter your ZIP code below and find affordable and competitive car insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 16, 2022

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Erie Insurance isn’t the biggest or best-known insurance company in the United States, but it’s frequently ranked as one of the best insurance companies in the industry. The Erie, Pennsylvania-based company has sold car insurance policies for nearly 100 years. Today, Erie Insurance is available in 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin, as well as Washington, D.C.

Erie Insurance History

Erie Insurance was founded in 1925 by two salesmen from Pennsylvania. The company was initially called the Erie Insurance Exchange. In the 1920s, Erie Insurance sold annual insurance premiums for $34.

During the early days, the company developed the mantra that “The ERIE is Above all in SERvIcE,” with letters capitalized to spell E-R-I-E. Since launch, Erie has emphasized the importance of customer service – a reputation that continues today with Erie’s strong claims satisfaction ratings and top-of-the-class J.D. Power rankings.

Erie disrupted the insurance industry in the 1930s by introducing its Super Standard Auto Policy. That auto policy included extra coverage not seen in other policies during the 1930s, including “Drive Other Car” coverage and waived collision deductibles.

Over the years, Erie also expanded the number of insurance products available. The company began selling fire insurance in 1940, for example, and later added home and business insurance.

Today, Erie continues to be headquartered in Erie, Pennsylvania. It’s a publicly-traded company (NASDAQ: ERIE) that currently sits at number 382 on the Fortune 500 list of the largest companies in America.

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Erie Insurance Rankings

Erie is generally one of the top-rated insurance companies in the United States by both customers and ranking agencies. J.D. Power, for example, has repeatedly ranked Erie as one of the best insurance companies in the United States in the following categories:

Insurance Shopping (Auto): The best (Erie ranked first overall)

Auto Insurance Claims Satisfaction: The best (Erie ranked first overall)

Home Insurance: About average

Property Insurance Claims: Better than most

Erie is also in a strong financial position. The company has an “A+” or “Superior” rating from A.M. Best, for example, indicating that the company should have no issue paying out claims. Most insurance companies have an A- or A rating, although some insurance companies have an A++ rating.

According to the National Association of Insurance Commissioners (NAIC), Erie had fewer than the median number of complaints to state regulators in 2018 relative to other insurance companies of its size.

What Makes Erie Insurance Unique?

Erie Insurance has several policies and products that distinguish it from the competition, including all of the following:

Different Insurance Policies: Erie offers a wide range of insurance products, including car, home, umbrella, boat, and business insurance, among other products.

Retirement Planning: In addition to selling insurance, Erie also offers retirement planning, including annuities and individual retirement accounts (traditional and Roth).

Well-Rated Home Insurance: Homeowners can bundle policies to save money. Erie’s home insurance is nearly as well-rated as its car insurance. Popular features include guaranteed replacement costs (which means your home will be covered in full if it’s destroyed or damaged, with no ‘wear and tear’ taken into account), animal coverage (if your pets are injured), and standard possession coverage.

Is Erie a Good Insurance Company? Our Review

Erie is indisputably one of the best-rated car insurance companies in the United States. The company ranked first in both categories on the latest J.D. Power rankings, indicating that the company has better claims satisfaction than any other insurance company in the country, based on a survey of more than 14,000 policyholders.

Despite offering strong claims satisfaction and customer service, Erie doesn’t overwhelm customers with high insurance prices. The company’s rates are generally very competitive with other insurance companies.

Many customers also appreciate benefits like RateLock, which lets you lock in your car insurance premiums for life (or at least until you make major changes to your policy). You can lock into the same car insurance premiums until you move, add or remove a vehicle, or add or remove a driver.

The only real ‘catch’ with Erie is that it’s only available in 12 states (and Washington D.C.). For drivers in the Erie coverage area, Erie offers some of the best value car insurance available today.

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Erie Auto Insurance Policies and Products

Erie has several car insurance policies and products that make it unique, including all of the following:

RateLock: RateLock is a popular Erie insurance policy that lets you lock in auto insurance rates until you add or remove drivers, add or remove vehicles, or move. In other words, you can pay the same price until you make a significant change to your policy. This is known as “RateProtect” in New York.

Accident Forgiveness: Erie offers accident forgiveness, which means you won’t pay extra after your first at-fault accident once you have been an Erie customer for at least three years.

Diminishing Deductible: With Erie’s diminishing deductible, the deductible drops by $100 for every consecutive year you go without filing a claim, up to a $500 reduction.

Pet Injury Coverage: Get up to $500 in veterinary care for pets injured in your vehicle in an accident, up to $1,000.

New Car Protection: If your car is 24 months old or newer and is totaled in an accident, then Erie will replace it with a new car of the current model year (not available in all states).

Better Car Protection: If your car is 24 months old or older and is totaled, then Erie will pay for a car of the same make and model two years newer, or will pay off your auto loan if you have one (not available in all states).

Great Rental Car Coverage: One reason why Erie has strong claims satisfaction is that the company offers generous rental car coverage. Erie offers basic rental car coverage free, but you can also pay for upgraded rental options like a luxury car or SUV.

Final Word

Erie is frequently ranked as one of the top car insurance companies in the United States in terms of claims satisfaction, customer service, and other metrics. The company has provided great-value car insurance for nearly 100 years. Today, Erie is available in 12 states and Washington D.C.

Reviews
for Erie Insurance Group

4.28 (1,814 reviews)
5
April 7, 2022

Lee_C

Please don’t hesitate to choose Erie Insurance!

Erie Insurance is excellent! We have had Landis Erie insurance for our homes, cars and business for about 30 years, and we are certain that we will continue to choose this company. They have taken care of every issue we had in a timely manner in the past. Erie Insurance gave us tremendous help when our family was in a couple of extremely difficult times in our life. We recommend it to everyone, including all our families and friends. All our fa...
Erie Insurance is excellent! We have had Landis Erie insurance for our homes, cars and business for about 30 years, and we are certain that we will continue to choose this company. They have taken care of every issue we had in a timely manner in the past. Erie Insurance gave us tremendous help when our family was in a couple of extremely difficult times in our life. We recommend it to everyone, including all our families and friends. All our family members have Erie Insurance. Please don’t hesitate to choose Erie Insurance!
4
January 12, 2021

reaglehouse

Erie Insurance

I have had a great experience with them. When I have had an issue, they correct it immediately. When I called to lower my rate, they were able to find the best option for me.
5
January 2, 2021

Vinjm_75

Best deals around

It's been nothing but a positive experience the nice thing about a small company is that the agents really get to know the customers on a personal level so they really meet your needs more efficiently any more quickly than these larger companies and their rates are the cheapest around we shopped around with all the other agencies and none of them came close to the deal we got with them
4
November 20, 2020

holymama

its alright!

company is fine, they keep raising my insurance though. have not had any claims for the last few years I have been with them.
1
October 27, 2020

Lewis Cooper

Erie Insurance review

Erie is very deceptive. I had Erie insurance for almost 30 years I had myself, my wife, and my daughter on the policy. Over the years, they dropped my son for having a reckless driving ticket I didn’t have a problem with that they dropped my daughter while she had a learners permit for backing into a pole in a parking lot. There was about $1,500 in damage but the kicker was they had requested a copy of my youngest daughter's title. I told her t...
Erie is very deceptive. I had Erie insurance for almost 30 years I had myself, my wife, and my daughter on the policy. Over the years, they dropped my son for having a reckless driving ticket I didn’t have a problem with that they dropped my daughter while she had a learners permit for backing into a pole in a parking lot. There was about $1,500 in damage but the kicker was they had requested a copy of my youngest daughter's title. I told her to send it to them. She did not do it so they canceled my policy without letting me know. The right thing to do would have been to drop her like they did with my son and daughter. I made premium payments for 30 years and never made a claim. My wife had only one claim, and it was my daughter when she ran into the pole. When I contacted my agent his secretary said you might as well just get another policy because Erie probably won't reinstate your policy. I never priced other policies because I never needed to. But when I was forced to, I found several companies that gave me better rates. I gave 1 star only because the website won’t give you the opportunity to give a zero.
4
October 20, 2020

Rose327

Handling claims

Easy to work with, hassle free and great customer service. Recently filed a claim due to a collision where the other driver hit my car. The other driver was not being cooperative and Erie took over so I did not have to be the middle man. This relieved a lot of stress. They were fairly quick at getting my deductible back from the other insurance company however the claims adjuster could have been more prompt at returning phone calls.
2
October 19, 2020

Glitterz17548

Horrible service

This company was completely unprofessional when I had an accident. I carry full coverage and they would not fix my car that had less than 1000 in damages after I had full coverage for over 4 years with them.
5
October 18, 2020

mhake

Great Service and Most Affordable

I purchased an auto policy about 15 years ago and have experienced nothing but great service. They were the best quote by far and I even referred my boyfriend who switched to Erie Insurance. I often check around for new quotes, especially when adding my kids when they were new drivers and they stayed most reasonable. My daughter had an accident and they took care of everything quickly. I would refer anyone to use Erie.
4
October 13, 2020

chrvicars

Good customer service

It was a pleasant enough experience. I was presented with different options to fit my needs regarding the amount of coverage I wanted and how I could pay my bill ( as far as monthly, yearly, or three times a year).
4
October 12, 2020

Kupkake

Great company

They've done everything they can to make prices reasonable while still being able to cover things thoroughly.
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