Erie Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

Erie Auto Insurance Reviews, Coverage Options, and Ratings for 2019


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5.0 Rating from The Zebra

Primarily serving drivers residing in the eastern states of the U.S., Erie prides itself on their customer service and competitive coverage options that include some unique features. In the early years of its founding in 1925 in Erie, Pennsylvania, this insurance company emphasized the importance of building loyalty through good service and encouraged customers to reach the company via collect calls. Now a Fortune 500 company, they've expanded over the decades to offer coverage in 12 states and Washington, D.C. Let's explore the highlights of Erie's car insurance coverage and discounts, so you can determine if it's the right insurance company for your next policy.


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JD Power Rating — Excellent: JD Power rates Erie a 5 out of 5 in overall customer and claims satisfaction.

Financial strength — Superior: This rating indicates Erie has a very reliable ability to pay out claims due to their excellent financial health.

NAIC Rating — Very Good: The National Association of Insurance Commissioners received relatively few customer complaints regarding Erie in 2018.

JD Power Rating — Excellent: JD Power rates Erie a 5 out of 5 in overall customer and claims satisfaction.

Financial strength — Superior: This rating indicates Erie has a very reliable ability to pay out claims due to their excellent financial health.

NAIC Rating — Very Good: The National Association of Insurance Commissioners received relatively few customer complaints regarding Erie in 2018.

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Erie car insurance coverage options

The traditional coverage suite of collision, comprehensive, liability, underinsured and uninsured motorist, medical payments, bodily injury, and property damage can be expected from an Erie car insurance policy. Below are additional features and options available. Keep in mind not all of these options are available in all states so check with your Erie representative before purchasing a policy.

First accident forgiveness

This accident forgiveness endorsement will waive the surcharges in your first at-fault accident if you've been an Erie customer for three or more years.

New and used car replacement

If your new car is totaled in a collision and is less than two years old, Erie will pay to replace it with the newest comparable model after your deductible kicks in. If you've had your car for over two years and it gets totaled, Erie will pay to replace it with a comparable model that's two years newer.

Auto glass repair

No matter your driving history, cracks and chips in your car's windshield can happen even to the best drivers. This optional coverage will repair or replace your car's damaged windshield and windows without a deductible.

Roadside assistance and rental car bundle

Erie conveniently bundles roadside assistance and rental car coverage in this option, so you're covered in the event your car has mechanical or operational issues on the road, or you need a rental car if your vehicle is being repaired after a collision.

Locksmith services

If you accidentally lock your keys in your car and require the services of a locksmith, Erie will cover this expense up to $75 as a part of physical damage coverage.

Personal item coverage

Erie's physical damage coverage also applies to losses of personal items that were in the insured car up to a $350 limit.

Pet coverage

This unique built-in feature covers veterinarian expenses up to $500 per pet (total limit of $1,000) if your pet is injured in an accident while riding in your car.

ERIE Rate Lock®

This endorsement "locks in" your rate until you add or remove a driver or vehicle on your policy or change the address where your car is regularly parked. Even if you file a claim, this feature preserves your rate until changes are made on your policy.

ERIE Auto Plus®

You can bolster your basic Erie policy with additional protection and increased limits with this add-on. Some highlight features include a vanishing deductible, $10,000 death benefit, additional days in your rental car/transportation expense coverage, waived deductible in certain situations, and increased limits for specific coverages.

Erie insurance discounts and reward programs

Many of the standard discounts typically offered by insurance companies are offered by Erie. It's always smart to look for discounts and cost-cutting programs when you're shopping for new car insurance — explore these potential ways to save some money on a new policy.

Discounts based on your policy
  • Multi-policy: Bundle a life or homeowners policy with your auto insurance policy to receive a discount.

Discounts based on the driver or vehicle
  • Multi-car: Insure two or more cars in the same policy to qualify for some savings.
  • Safe driver: Your good driving history can be rewarded with a discount on your coverage.
  • Reduced usage: You may be eligible for a discount if your car will not be used for at least 90 consecutive days during the policy period.
  • Car safety equipment: If your car some with safety features like anti-lock brakes, factory-installed airbags, and anti-theft devices, you may qualify for a discount.
  • Pay in full: Pay your annual premium in full to be eligible for this discount.

Discounts for young drivers
  • Youthful driver:Qualify for this discount if you're an unmarried driver under age 21 who resides with their parents.
  • Youthful longevity: Receive credit for the consecutive years spent on another Erie policy (likely your parents') if you're an unmarried young driver.
  • Driver training: Complete an accredited driver training course to see this discount if you're a driver under age 21.
  • College student: If you're a student who lives away from home and doesn't have access to the insured car(s), the policyholder may be eligible for a discount.

Additional lines of insurance

Erie offers multiple lines of insurance in addition to car insurance.

  • Homeowners
  • Condo
  • Renters
  • Life
  • Mobile home
  • RV
  • Boat
  • Off-road vehicles
  • Motorcycles

Is Erie car insurance right for you?

If you live in a state where Erie provides coverage, it might be an excellent option for a new policy. Erie offers an extensive array of additional features, endorsements, and add-ons that can boost a basic policy to extend your coverage and limits for extra peace of mind. Combined with superior financial strength, great ratings from both JD Power and the NAIC, and a history of exceptional customer service and claims satisfaction, Erie is a well-trusted insurance company that can satisfy all your coverage needs.

But no matter how positively an insurance company is rated, the cost is what matters — it should be affordable while covering all your bases insurance-wise. When shopping for a new policy, you should compare quotes as much as possible to ensure you're getting the best rate. Enter your zip code below and we can help you find the cheapest, most affordable rate no matter your situation.

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