Erie Insurance was founded in 1925 by two men who wanted to create an insurance company that emphasized customer service above all else. Erie’s focus on customer service was evident in the early days, when customers were encouraged to call the company collect and were told to report any problems with claims directly to one of Erie’s founders. Erie Insurance has grown exponentially since its early days, with the company now offering a wide range of insurance products in 12 states and Washington D.C.. Erie now has more than 5,000 employees and a network of more than 12,000 independent agents. But the company’s focus on customer service remains evident, with Erie earning top marks from the Clearsurance community of unbiased insurance consumers.
How do customers rate Erie Insurance Group?
Erie Insurance Group’s rating is based entirely on customer reviews written on Clearsurance. The rating is determined using an algorithm that analyzes a range of inputs from our independent community of insurance customers, including:
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say Erie Insurance Group does well vs. the percentage of what customers say the company could do better.
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 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 includes 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 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.
Car insurance rates
The average Erie car insurance rates are based on a single adult profile with an Erie car insurance policy. The single adult rates are based on a 35-year-old single adult driver with no driving incidents in the past 3 years. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had a good credit score.
The national average rates displayed in the graph are based on the average cost of car insurance from the largest companies in the U.S. and are based on the same single adult driver profile. All rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.
Homeowners insurance rates
The average Erie homeowners insurance rates are based on two different home profiles with an Erie homeowners insurance policy.
- $200K home with poor credit: These rates are based on a $200,000 dwelling with the following coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a poor credit score.
- $200K home with excellent credit: These rates are based on a $200,000 dwelling with the following coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had an excellent credit score.
- $400K home with excellent credit: These rates are based on a $400,000 dwelling with the following coverage limits: $200,000 personal property, $40,000 loss of use, $40,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had an excellent credit score.
The national average rates displayed in the graph are based on the average cost of homeowners insurance from the largest companies in the U.S. and are based on the same three home profiles. All rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.
What discounts does Erie Insurance offer?
Everyone likes to save money, and Erie Insurance knows that. Erie offers a variety of discounts on its auto and home policies to help lower your premiums.
Erie car insurance discounts:
- Safe driving discount: If you have a good driving record, you may be eligible for a discount from Erie.
- Multi-car discount: This is a popular discount among many insurers, and Erie is no different. If you have multiple cars on the same policy, Erie offers you a discount.
- Multi-policy discount: Erie offers a discount if you combine an auto insurance policy with either a home or life insurance policy.
- Reduced usage discount: Erie offers a discount if you don’t use your vehicle for at least 90 straight days during your policy period. (Note: Erie does not offer this discount in Kentucky.)
- Car safety discount: Erie 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: Erie does not offer this discount in Kentucky.)
- Annual payment plan: Erie offers a discount to policyholders who pay for their policy in full.
- Young driver discount: Erie offers a discount to unmarried drivers under the age of 21 who live with their parents.
Erie homeowners insurance discounts:
- Home safety features discount: Erie offers a discount 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: Erie offers a discount if you combine a homeowners insurance policy with either a car or life insurance policy.
What coverages does Erie Insurance Group offer?
Erie insurance offers some unique car insurance coverage options. Some are included with comprehensive coverage and others can be added to your policy for a small increase in premium.
Pet Coverage: Erie’s pet coverage covers the cost of vet treatments up to $500 per pet for $1,000 total if the pet is hurt in a car accident in your car.
Roadside & Rentals Bundle: Erie offers emergency roadside assistance and rental car coverage.
Personal Items Coverage: If you purchase physical damage coverage on your Erie car insurance policy, Erie will help cover the cost of damaged personal belongings in your car up to $350.
Glass Coverage: Erie comprehensive car insurance coverage includes glass coverage with a waived deductible for a glass repair, but you can purchase Full Window Glass to get your deductible waived regardless of if it needs to be repaired or replaced. Both options also include new wiper blades if your windshield is replaced.
Locksmith Services: As part of your comprehensive coverage, Erie covers the cost of a locksmith up to $75 if you lock yourself out of your car.
Erie Auto Plus: Erie Auto Plus is a car insurance package option that extends your coverage and adds features to your policy.
Erie offers many homeowners insurance policy options you can add to your policy, including:
Water Backup and Sump Overflow: Your house could experience water damage due to water backup through sewers and drains and also sump pump overflows. This optional coverage from Erie covers water damage caused by these situations.
Flood Insurance: Homeowners insurance doesn’t cover flood damage from severe weather. You can talk to your Erie insurance agent to help you find a flood insurance policy.
Earthquake Insurance: Much like a flood, earthquake damage is not covered by your standard homeowners insurance policy. Erie offers earthquake insurance coverage to cover damage to your home or property as a result of an earthquake.
Service Line Protection: Erie’s service line protection covers damage caused to underground service and utility lines that extend from your house to the curb.
Personal Valuables: You can add insurance coverage for high-value items like art, jewelry, collectibles and more to your Erie homeowners insurance. Erie also offers protection for firearms and computers and equipment,
Other Structures: Does your home have other structures like a garage or shed? You can extend your Erie homeowners insurance policy to cover these structures.
Identity Theft: Identity recovery from Erie Insurance covers the cost to help you recover after an identity theft or fraud situation.
Home Business Protection: Do you run your business out of your home? If you do, this coverage from Erie can cover it.
Erie offers renters insurance to cover your personal belongings. It also includes:
Living Expenses Erie's renters insurance will cover your living expenses after a covered loss while your building gets repaired. This includes lodging food and other costs. Consult your agent about the policy limits.
Protection away from home: Your renters policy covers your liability and personal property everywhere you travel, not just in the confines of your rental.
Liability Protection: Coverage for damage to property of others or for others that are injured accidentally while visiting your covered rental.
Classic car insurance
Golf cart insurance
Long term care
Erie Insurance FAQs
Does Erie Insurance cover hitting a deer?
Deer collisions are covered by your comprehensive coverage on your Erie Insurance policy. Comprehensive coverage is an optional coverage that you can add to your Erie car insurance policy. 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. Erie’s 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 Erie car insurance policy. If you add this to your policy, you will receive reimbursement from Erie 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 totalled 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 of Erie Insurance 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 Erie’s secure online payment system. Erie 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, Erie 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, Erie insurance offers many insurance products in many states.
More 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, Erie offers a diminishing deductible of $100 off for each year that you’re claim free, up to $500.
Using the Erie 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.
What states does Erie Insurance Group do business in?
Erie Insurance Group sells car, homeowners and motorcycle insurance in 12 states and Washington, D.C. and renters insurance in 11 states and Washington, D.C.. See the state Erie Insurance Group sells in below and click the link to see how Erie Insurance Group compares to the other top companies in that state.
States Erie Insurance Group ranks in top 10 for car insurance
States Erie Insurance Group ranks in top 10 for homeowners insurance
States Erie Insurance Group ranks in top 10 for renters insurance
Learn More about Erie Insurance Group
Customers' choice awards
Ranked #3 - The best car insurance companies for 2019
Ranked #3 - The best homeowners insurance companies for 2019
Ranked #5 - The best car insurance companies for 2018
Ranked #2 - The best homeowners insurance companies for 2018