Erie Insurance Group ratings and coverages

How much does Erie car insurance cost?

While car insurance rates vary greatly based on factors such as your age, marital status, credit score, the car you drive, your driving history, and where you live, the company you choose also has a big impact. In the graph below, you can see the average cost of Erie car insurance for a single adult compared to the national average cost of car insurance.

The average Erie car insurance rates for a single adult profile are lower than the national average cost of car insurance. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

How much does Erie homeowners insurance cost?

Homeowners insurance rates can vary based on your unique risks. Some of the factors that affect the cost of homeowners insurance include the location of your home, your home's condition and age, the size and type of home, the crime rate in your area, your claim history, and your credit score. In the graph below, you can see the average cost of Erie homeowners insurance compared to the national average of homeowners insurance. The graph is split into three categories: a home worth $200,000 with a homeowner with a poor credit score, a home worth $200,000 with a homeowner with an excellent credit score, and a home worth $400,000 with a homeowners with an excellent credit score.

The average Erie homeowners insurance rates for both the $200K home with excellent credit and $400K home with excellent credit are below the national average homeowners insurance cost of the same profiles. The Erie rates for the $200K home with a poor credit profile are higher than the national average rates. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

What car insurance discounts does Erie Insurance offer?

Everyone likes to save money, and Erie Insurance knows that. They offer a variety of discounts on its auto and home policies to help lower your premiums. Many are easy ways to raise their customer satisfaction ratings while making the process easier. Paying your entire premium up front eliminates the need to spend money billing later on. Others are based on things that lower the risk you pose to your insurer.

What car insurance discounts does Erie Insurance offer?

• Safe driving discount: If you have a good driving record, you may be eligible for a discount.
• Multi-car discount: This is a popular discount among many insurers, and this one is no different. If you have multiple cars on the same policy, you could see a discounted rate on each of those vehicles.
• Multi-policy discount: You can qualify for a discount if you combine an auto insurance policy with either a home or life insurance policy.
• Reduced usage discount: This is a discount you could qualify for if you don't use your vehicle for at least 90 straight days during your policy period. (Note: Drivers in Kentucky are ineligible to receive this discount.)
• Car safety discount: This discount may lower your premium if your vehicle is equipped with certain safety features, such as an anti-theft device or factory-installed air bags. (Note: Drivers in Kentucky are ineligible to receive this discount.)
• Annual payment plan: This is a discount for policyholders who pay for their policy in full.
• Young driver discount: This is a discount offered to unmarried drivers under the age of 21 who live with their parents.

What home insurance discounts does Erie Insurance offer?

If you're considering a homeowners policy, Erie also offers discounts. You can talk to customer care agents to see what unique discounts may be available in your area. For homeowners across the country, Erie offers the following:

• Home safety features discount: This is a discount you will be eligible for if you install an alarm system, smoke detectors, or an automatic sprinkler system in your home.
• Advanced quote discount: If you get a quote within the seven to 60 days before your policy is set to renew, you could be eligible for savings from Erie.
• Multi-policy discount: Like many other companies, this one offers a discount if you combine a homeowners insurance policy with either a car or life insurance policy.

Does Erie Insurance cover hitting a deer?

Deer collisions are covered by your comprehensive coverage on your policy. Comprehensive coverage is an optional coverage that you can add to your car insurance policy to cover damage not directly related to a collision. This could include animal damage, a tree falling on your car, and many other things. For more information about what to do when you hit a deer or if your car insurance will cover it, visit our blog: Does car insurance cover hitting a deer?

What is Erie secure?

ErieSecure is a homeowners insurance policy from Erie Insurance. These homeowners insurance policies start at a base plan and you can add additional endorsements and coverage as needed.

What is Erie Insurance’s AM Best rating?

Erie Insurance’s A.M. Best rating is A+.

Does Erie offer gap insurance?

Erie offers gap insurance as an Auto Security Endorsement that you can add onto your car insurance policy. If you add this to your policy, you will receive reimbursement to replace your car. If your car is a newer vehicle that's less than two years old, you'll have New Vehicle Replacement coverage for reimbursement of the cost to replace your totaled car with the newest model year. If your car is older than that, you'll have Better Vehicle Replacement Coverage.

Where is the headquarters of Erie Insurance?

The headquarters is located in Erie, Pennsylvania.

Can I pay Erie Insurance with credit card?

You can pay your Erie Insurance bill online with a credit card through the secure online payment system. This company accepts Visa, MasterCard, Discover, and American Express cards. Credit card payments aren't available with all of Erie's payment plans or with the Erie Family Life policies.

Who founded Erie Insurance?

Erie Insurance was founded on April 20, 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania with just car insurance offered. Three years later, they expanded by adding another office in Pittsburgh. In 1953, it expanded out of Pennsylvania and opened a branch in Silver Spring, Maryland, in 1953. Now, insurance products are offered in many states.

What else is there to know about Erie Insurance?

One of Erie's more unique offerings is the “Erie Rate Lock” feature, which ensures that your car insurance premium won't skyrocket even after a claim. Your premium only changes when you make a change on your policy, such as adding a new vehicle or changing your address.

Where available (only in some states), Erie offers new car protection - if you have a car up to 2 years old and it's totaled it will be replaced with a new car of the current model year.

Erie also offers first accident forgiveness for its policyholders of at least three years. If you are in your first at-fault accident, your rates won't increase as a result. Plus, they offer a diminishing deductible of $100 off for each year that you're claim-free, up to $500.

Using the website you can find more information about making your insurance payments. They offer several options:

• online payments using your policy number and zip code
• by mailing payments to Erie Insurance Group 100 Erie - Insurance Place - Erie, PA 16530
• by calling (800) 458-0811, option 4 and making a payment via credit card
• in person at their headquarters
• by setting up automatic payments which can be paid annually, quarterly or monthly.

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