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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Erie?

The average car insurance rate in Erie is $725 per six-months. That's less than the statewide average in Pennsylvania ($737) and less expensive than the national average of $880. Our guide to Erie auto insurance includes average rates based on age, credit score, and other factors in Erie. Read on to learn more!

Car insurance in Erie vs. Pennsylvania Average 6 Mo. Premium
Erie average $725
Pennsylvania average $737

The Zebra's key takeaways about car insurance in Erie:

  • The average cost of a car insurance policy in Erie is $725 per six-month policy — $120 per month.
  • The cheapest company in Erie is GEICO ($405).
  • 36% of Zebra customers in Erie stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Erie car insurance rates by company

'The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Erie's cheapest rates. We've gathered the best cheap car insurance companies in Erie below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Erie, PA
Company Avg. 6 Mo. Premium
GEICO $405
Erie $504
Nationwide $611
State Farm $629
Progressive $941

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Erie.

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Erie auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 29% of Erie drivers. The age group that enjoys the lowest auto insurance rates in Erie are drivers in their 50s, who pay an average of $634 per six-months. Drivers in their 60s pay marginally higher rates — $647 per six-months

The Erie drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Erie is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Erie is $4,385, the largest such difference between any two age groups.

Erie auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,192
20s $947
30s $716
40s $682
50s $634
60s $647
70s $794

Erie car insurance rates by credit score

A driver's credit level can be closely associated with their auto insurance rates. Erie drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price drop. In Erie, moving into the "Fair" credit tier corresponds to an average of $245 in savings on insurance each six-months. Our data tells us 34% of drivers in Erie have a credit score of average (580-679). 

credit score
Erie auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,348
Fair $1,102
Good $918
Very Good $768
Exceptional $611

Erie car insurance rates by violation

If you want to keep your car insurance rates reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Erie, a reckless driving citation results in an average insurance rate increase of $686 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $550 increase, and a speeding ticket triggers a $154 rate hike.

Erie auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,000
Reckless Driving $1,068
At-fault Accident (damages < $1,000) $793
At-fault Accident (damages > $2,000) $1,143
Speeding Ticket (16-20 mph over speed limit) $802

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.