Erie Insurance Review (2026)
- Overall rating: solid (4.1/5 stars)
- Average cost: $794 for a 6-month policy
- 96% of customers recommend Erie
Read more below to get a quote directly from Erie.
Erie Insurance: A solid choice for most shoppers
Erie stands out for its consistently high customer satisfaction and strong claims service—two areas where many insurers struggle. It offers a wide range of coverage options, a solid set of discounts, and some of the lowest average premiums in the industry.
The biggest catch? Erie is only available in a limited number of states (Washington D.C., Illinois, Indiana, Kentucky, Maryland, North Carolina, New York, Ohio, Pennsylvania, Tennessee, Virginia, Wisconsin, West Virginia). Still, its reputation more than makes up for its pitfalls, earning it a solid rating from The Zebra.
Market Stability and Longevity: Established history suggests reliable long-term coverage.
Ease of Filing a Claim: Multiple filing options make submitting claims simple and quick.
Integration with Other Platforms: No integration means managing insurance separately from other accounts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Erie car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Erie is about $794.[1]
The Zebra’s Dynamic Insurance Rating Tool 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.
See how Erie stacks up against competitors →
Discounts offered at Erie: more options than competitors
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.
Pay your annual premium in full to be eligible for this discount.
If your car has safety features like anti-lock brakes, factory-installed airbags, and anti-theft devices, you may qualify for a discount.
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.
| Multiple cars | Store your vehicle |
| Anti-lock brakes | Anti-theft devices |
| Air bags | Pay in full |
| Young Drivers |
To learn more about each discount Erie has to offer, see their discounts page.
Compare with other companies
See how Erie stacks up against similar companies
Cost: $794 average cost for a six month policy
Customer satisfaction: High
Our take:
- Only available in 12 states
- Above Average claims satisfaction
- Robust and wide ranges of coverage options
Cost: $1,460 for a six month auto policy
Customer satisfaction: High
Our take:
- Higher prices than Erie
- Worse customer service scores than Erie
- Worse bundling options than Erie
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Higher prices than Erie
- Worse customer service scores than Erie
- Similar bundling options than Erie
Erie's customer service & claims experience: Top-tier experience
Customers benefit from Erie's excellent customer service, which combines the efficiency of digital platforms for routine issues with the expertise needed to manage complex claims easily. Transparent communication ensures policyholders are kept informed and confident throughout the entire process.
Thinking about Erie?
See what other drivers are asking
Does Erie offer as many services as bigger companies?
What is Erie's Rate Lock and will it save me money?
Are claims with a smaller company like Erie any different from the big names?
Erie Customer Survey results
96% of customers recommend Erie
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Erie was rated in individual categories by expanding the section below.[2]
Source: The Zebra
How much will your rates climb after filing a claim with Erie?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $954 |
| One comp claim | $1,000 |
| Two comp claims | $1,093 |
| At-fault accident - $1000-$2000 | $1,259 |
| At-fault accident - greater than $2000 | $1,334 |
Source: The Zebra
With Erie, policyholders can count on an easy and transparent claims experience, even for complex cases. The company provides consistent and proactive communication every step of the way
Coverage options: Flexible and customizable
Erie provides the traditional coverage suite offered by most insurance companies, as well as a list of coverage options you may add to further customize your policy. Standard coverages include liability, collision, comprehensive, medical payments and uninsured/underinsured motorist coverage. Some custom coverage options from Erie are listed below.
✔️ ERIE Rate Lock®
✔️ Pet injury coverage
✔️ First accident forgiveness
✔️ Auto glass repair
Final thoughts: Is Erie right for you?
Between Erie's excellent scores from third-party organizations, wide array of coverages and discounts, and favorable survey results, policyholders can confidently rely on this insurance carrier. The Zebra believes Erie is an excellent choice for an insurance provider if you live in one of their covered states. Customers can enjoy customizable coverage options and comprehensive online and mobile services at affordable rates with Erie.
Frequently Asked Questions about Erie
Get quotes from Erie and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
2025 U.S. Auto Insurance Study. J.D. Power
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.