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Erie Auto Insurance Ratings
Ranked
No. 5 Overall
Other Companies to Consider:
Reasons for Buying from Erie
Customers of Erie originally decided to purchase from the company for these reasons:
| Recommended by friend or family member | 40% |
| Offered best price | 29% |
| Reputation | 13% |
| Was the company my parents had | 10% |
| I had other insurance with this company | 5% |
| Saw TV commercial | 2% |
| Saw online ad | 1% |
| Financial Strength rating | 0% |
| The company website and mobile apps are easy to use and helpful | 0% |
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About Erie Insurance Group
Types of auto coverage
- Personal auto/Business auto
- Motorcycle
- Rideshare (in certain states)
Additional policies offered
- Homeowners
- Personal Liability
- Inland marine (personal property)
- Life
- Boat
- Business
Best Auto Insurance Companies 2020: How Erie Auto Insurance Compares
Erie Insurance placed fifth in the 2020 survey with an overall score of 85.32, and in the top 10 in all categories, except website and apps ease of use. Erie’s highest ranking is for customer service where it ranked fifth, with a score of 88.6. It placed seventh for claim service, but with a solid score of 89.6. For value for the price, Erie ranked No. 8, scoring 80.2. Though Erie placed sixteenth in the ranking factor of how easy or accessible its website and apps are, it still earned a respectable score of 80.85, which was within two points of the preceding five carriers. Erie customers reported a high percentage, 95%, planned to renew.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Erie's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, Erie (NAIC# 26271) had a complaint ratio of 0.68 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Leaders in the northeastern region
With over 12,000 independent agents available, Erie Insurance writes policies in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.
With its regional focus, Erie Insurance holds 1.29 percent of the market share in the U.S., which ranks it 12th nationally in market share for auto insurance providers. Erie Insurance is a publicly traded company founded in 1925 in Erie, Pennsylvania. Fortune magazine lists Erie as among the largest 500 U.S. companies in terms of revenue.
Consider Erie for a small-town feel with big-city availability
Customers won’t see much in the way of advertising for Erie, as the company prefers word-of-mouth recommendations and looks for ways to reduce spending to keep rates as low as possible. The company boasts having agents who are active community members and volunteers, furthering the community in which they, and their customers, live.
Customers who live in serviced areas and prefer person-to-person contact but still need 24/7 availability might benefit from Erie Insurance. Claims may be filed online, over the phone or with an agent. Though some customers might find offerings limited, however, with Erie’s focused coverages, it offers many discounts and competitive rates for drivers on what they do cover.
Contact information
Corporate Headquarters
Erie Insurance Group
100 Erie Insurance Place
Erie, PA 16530-1104
Customer Service: 800-458-0811
Claims: 800-367-3743
Coverage Options
Lock in your rate. Locks in your rate year after year, even if you have a claim.
Pet injury coverage. Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
New car replacement. If you total your car the insurer will pay for a new car.
Mobile app. The insurer offers an app for smartphones.
Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
Accident forgiveness. Your rates won't increase after your first accident.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.Discounts
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy. Discount for more than one type of policy with the same insurance provider.Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"I am good to continue with this company, However, if I will find better, I will switch"
"I would want to know what kind of health, and life insurance that the insurer would be able to provide. Somthing that my children would be able to benifit off of if somthing were to happen."
"How much it costs is the main reasons why I stay with them"
"It seems like a good company. I never dealt with it more than just minor stuff though."
"Quick to respond through email, phone contact is more difficult. Have not had to file a claim yet"
"Terrible, disgusting service."
"They are a decent company and don't bother me with spam emails"
"Rude and seem to treat you by how much money you have to spend"
"They have good rates but are difficult to deal with should you have an accident"
"We get fair treatment, no hiding of information"
"I like the company it does what I need it to do"
"They are no better or worse than anyone else I've used. So from now on the price it what I'm going for."
"I'll make decisions in the insurance company's best interest, because it provides good scheme and special plans."
"They are there if you need them"
"One must have it"
"Rates and services differ from employers."
"So far the best price yet still expensive to me"
"They don't make you feel like a burden"
"Best rates available but only for good drivers"
"Good insurance but I buy through an agent and the agent needs improvement."
"Have not had very long so can't really say if good or bad yet"
"It is expensive but I am satisfied with the coverage I have."
"They are fine"
"They have been there for me"
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"I love this company"
-Age 18-36, Illinois"Very good reputation of this company"
-Age 18-36, Illinois"They have great rates!"
-Age 18-36, Indiana"My rep is super easy to work with and always ensures I'm getting the best price"
-Age 18-36, New York"I like the fact that there is a local office that I can actually sit down with the person I am speaking with, not just a representative over the phone across the country."
-Age 18-36, North Carolina"Process is fine, statements are very clear and quick service"
-Age 18-36, North Carolina"They dont tell you the upfront cost of some items"
-Age 18-36, Ohio"They seem to care about their customers and if I ever have questions, they are easy to reach, either by phone or in person"
-Age 18-36, Ohio"I would recommend Erie to everyone. Unfortunately my mom passed away in august and i inherited her car. I already had my own car but its older, my moms is 7 years newer so I have 2 cars now. I was with Nationwide who were going to charge me $112 a month for miniumum coverage on both cars. With Erie, which was the company my mom had they ended up getting me a lot more insurance for both cars including adding comprehensive and collision to both cars for $10 less than Nationwide a month."
-Age 18-36, Pennsylvania"Reliable and cheap"
-Age 18-36, Pennsylvania"They handle their claims professionally and promptly."
-Age 18-36, Pennsylvania"They're good"
-Age 18-36, Pennsylvania"We can very easily get the advice"
-Age 18-36, Pennsylvania"Great customer service"
-Age 18-36, Tennessee"They have been awesome"
-Age 18-36, Tennessee"I would recommend their quality of services and unmatchable affordable healthcare policy plans"
-Age 18-36, Virginia"Erie insurance is the cheapest insurance you can get. The people that take care of me are very kind and care about me as a customer."
-Age 18-36, West Virginia"They are nice people and work hard to give you the best coverage for the best price"
-Age 18-36, West Virginia"Excellent brand and I trust it very much"
-Age 37-52, Illinois"Expert advice from local agents and best insurance policies are present here and value packages also."
-Age 37-52, Illinois"I have good experience because it makes certain customers understand their premium calculations."
-Age 37-52, Illinois"You get flexibility in payments"
-Age 37-52, Illinois"Have only had for a short time. Initial experience was real good. Friendly easy to work with. Do not have any other experience with them."
-Age 37-52, Indiana"I appreciate their customer service"
-Age 37-52, Indiana"Premium rates are lower than other insurance company."
-Age 37-52, Indiana"They value their customers"
-Age 37-52, Indiana"You get good discounts apart from good customer service"
-Age 37-52, Kentucky"I have a good experiences with this company and chos Erie auto insurance because I believe they protect you from financial lost."
-Age 37-52, Maryland"Its a great company"
-Age 37-52, New York"Free, impartial and informed policy buying guidance given to me by the company"
-Age 37-52, North Carolina"have great customer service, great rates, easy to work with"
-Age 37-52, North Carolina"They have great customer service"
-Age 37-52, North Carolina"My agent goes out of his way and they are really nice and give you the best deals in the state"
-Age 37-52, Ohio"Good reputation, caring individuals, prompt responses to all situations from questions to claims. I feel fair rates compare to other companies"
-Age 37-52, Pennsylvania"Hometown place. Familiar faces and simple service."
-Age 37-52, Pennsylvania"They care about customers"
-Age 37-52, Pennsylvania"They do what they claim."
-Age 37-52, Pennsylvania"They have always helped when I needed it"
-Age 37-52, Pennsylvania"They have pretty good service"
-Age 37-52, Pennsylvania"They offer good rates and great customer service"
-Age 37-52, Pennsylvania"They have been good to us"
-Age 37-52, Virginia"Good customer service"
-Age 37-52, West Virginia"Good rates and excellent customer service"
-Age 37-52, West Virginia"They do a great job"
-Age 37-52, West Virginia"Premium is less and staff is very friendly"
-Age 37-52, Wisconsin"I had a great experience and the company process are superb and fast."
-Age 53+, District of Columbia"Friendly and good rate"
-Age 53+, Illinois"Really am happy to have a plan from this company. It really helps my me to secure my future"
-Age 53+, Illinois"Hone people, very supportable platform "
-Age 53+, Indiana"They have maintained low rates for 15 plus years and have always given good claims service."
-Age 53+, Indiana"Great service!"
-Age 53+, Maryland"We did check with other insurance companies and most said right of the bat that they could not meet Erie insurance rates. So far we have not had any trouble with claims"
-Age 53+, Maryland"I am very much surprise by their prompt service and thorough research"
-Age 53+, New York"They have very helping workers and customer friendly behaviour"
-Age 53+, New York"Good in providing nice plans"
-Age 53+, North Carolina"Very friendly agent for services"
-Age 53+, North Carolina"Is protection trusted organization"
-Age 53+, North Carolina"Its insurance quote simple, suggestive and supportive. Quote process is time saving and precisely designed."
-Age 53+, North Carolina"Products are of good and nominal range"
-Age 53+, North Carolina"Reputation of this company is good in the market"
-Age 53+, North Carolina"Risk is covered in a good way"
-Age 53+, North Carolina"Valuable discounts are given, best insurance value possible, guarantees for as long as customer owns his vehicles."
-Age 53+, North Carolina"Whenever I have a question about my coverage, my reps take their time explaining to me and call me back after initial conversation to see if everything is alright."
-Age 53+, Ohio"Friendly, good prices"
-Age 53+, Pennsylvania"My agent is always reachable. The price beat all others. I can bundle and get a considerable discount."
-Age 53+, Pennsylvania"They always have time to answer any questions I have. Don't have to be put on hold for a long time."
-Age 53+, Pennsylvania"They are very courteous and they explain things in languge that I understand. They will explain until I understand"
-Age 53+, Pennsylvania"You always talk to a person. very courteous, helpful, answer all questions. if you have a claim they are prompt"
-Age 53+, Pennsylvania"They have great rates and customer service"
-Age 53+, Tennessee"At times they act better than just being an Insurance agents"
-Age 53+, Virginia"Good customer service"
-Age 53+, Virginia"If I have a question, they answer it and want to give me information on whatever I need."
-Age 53+, Virginia"Costs much less than State Farm who I had before"
-Age 53+, West Virginia"It's very affordable"
-Age 53+, West Virginia"They are easy to work with. The price is great for the coverage."
-Age 53+, West Virginia