Erie auto insurance review and ratings 2024

Erie auto insurance ranked No. 1 in Insure.com’s Best Car Insurance Companies ranking for 2024 with 4.67 stars out of 5. Erie customers give the company high marks for customer satisfaction, ease of service and policy offerings. They also said they would renew their policies and that they’d recommend the company to others.

Updated on
insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Our take

Erie Insurance ranked No. 1 in Insure.com’s ranking of the Best Car Insurance Companies for 2024 with 4.67 stars out of 5.

Customers were keen to recommend Erie to friends and family, and the company offers the most affordable rates of the carriers in our ranking of the Best auto insurance companies. It also received top marks for customer satisfaction and ease of service.

However, Erie is a smaller company, with coverage only available in 12 states. 

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Erie
Erie Ratings
Overall Rating: 4.7
Average Premium: 5.0
NAIC: 0.61
Customer Satisfaction: 4.4
AM Best Rating: A+

Pros and Cons

Pros:
  • High ranking for customer satisfaction
  • Customers are 100% likely to recommend Erie to friends
  • Cheaper rates than other companies in our ranking
Cons:
  • Only available in 12 states
  • Weaker score for digital experience than competitors

How much Erie Insurance costs

Erie Insurance has the cheapest premiums among the companies in our ranking. Erie’s monthly premiums of $123 per month are less than those of competitors on our list, such as Auto-Owners and Amica, as well as industry heavyweights State Farm and Geico.

CompanyMonthly Premium
Erie$123
Auto-Owners$129
Nationwide$129
Travelers$132
Auto Club Group (ACG) – AAA$135
American Family$142
Geico$147
State Farm$165
Progressive$166
Amica$185
Auto Club of Southern California (Auto Club Enterprise Insurance Group)$192
Mercury$193
Farmers$199
Allstate$209
CSAA Insurance Group$217

How Erie scores for customer satisfaction

Erie has the highest rankings for customer satisfaction of all the companies in our ranking. In the survey, 90% of customers were satisfied or highly satisfied with Erie overall. American Family was a close second at 89%, and State Farm and Farmers had satisfaction rates of 84%.

CompanyPercent of customers who are satisfied
Erie90%
Farmers84%
Auto-Owners71%

How Erie Insurance scores on ease of service

Erie ranked at No. 1 in our ranking, with a score of 90%. Erie customers were pleased with how easy it is to access policy documents and other services.

CompanyPercent of customers satisfied with the company’s ease of service
Erie90%
American Family85%
Nationwide74%

How Erie Insurance scores on policy offerings

When it comes to policy offerings, Erie Insurance was the top performer. In Insure.com’s recent insurance-consumer survey, 88% of customers said they were satisfied with the company’s offerings – the best score among the top 15 companies.

CompanyPercent of customers satisfied with the company’s policy offerings
Erie88%
State Farm84%
Nationwide76%

Would current customers recommend Erie Insurance to others?

Customers would overwhelmingly recommend Erie Insurance to their friends and relatives. In the survey, 100% of customers said they’d recommend it. This is the best showing of the companies Insure.com ranked. The next closest was State Farm, with 92% of its customers saying they’d recommend it.

CompanyPercent of customers who would recommend the company
Erie100%
State Farm92%
Auto-Owners89%

How trustworthy is Erie Insurance?

Erie scored at the top of the list in the trustworthiness category for 2024, with 86% of its customers giving it high marks. This was a particularly tough category, with only four companies scoring higher than 80%.

CompanyPercent of customers who say they trust the  company
Erie86%
State Farm 82%
Travelers74%

Do Erie Insurance customers plan to renew?

Erie Insurance customers do plan to renew in a big way. A full 100% of respondents said they would renew their policies. The Auto Club of Southern California and Mercury scored second in the category with 95% of their customers saying they’d renew. 

CompanyPercent of customers who plan to renew with the company
Erie100%
Amica92%
Auto-Owners89%

How Erie Insurance scores on claims handling

Erie Insurance placed third in our ranking for claims handling. Competitors Allstate (86%) and State Farm (85%) bested the company in this category.

Company Percent of customers who are satisfied with the company’s claims handling
Erie 78%
Allstate 86%
State Farm 85%

How Erie Insurance scores on digital experience

Erie Insurance had a mid-range score for digital experience, but few companies did well in this category. The top scorer was Geico, followed by CSAA.

Company Percent of customers satisfied with the company’s digital experience
Erie 48%
Geico 64%
CSAA 60%

How Erie Insurance scores on discounts

Erie Insurance had a decent survey score for discounts at 69%, which was the same score for Progressive and the Auto Club Group (ACG). The Auto Club of Southern California topped this category.

Company Percent of customers satisfied with the company’s discounts
Erie 69%
Auto Club of Southern California 70%
State Farm 64%

How Erie Insurance scores on bundling

Erie Insurance had the top score for bundling, a metric that takes into account discounts for bundling auto with other insurance products like home, renters, condo or life.

Company Percent of customers satisfied with the company’s home and auto bundling
Erie 69%
American Family 66%
Travelers 62%

Erie car insurance coverages

  • Car
  • Motorcycle
  • RV 
  • Boat
  • Classic car
  • ATV/Snowmobile/golf cart

Erie additional policies

  • Home
  • Renters
  • Condo
  • Mobile home
  • Personal valuables
  • Flood
  • Life
  • Business

Erie car insurance coverage options

  • Liability
  • Personal injury protection
  • Medical payments
  • Uninsured/underinsured motorist
  • Comprehensive
  • Collision
  • First accident forgiveness
  • Windshield repair
  • Pet injury coverage
  • Travel expenses
  • Rental car coverage
  • Roadside and rentals bundle
  • New car replacement
  • Auto Plus package (higher limits, diminishing deductible, extra transportation expenses, waived deductible in some situations, death benefit)
  • Rate lock (your rates won’t go up after a claim)

Erie car insurance discounts

  • Safe driving
  • Car safety equipment
  • Multi-car
  • Multi-policy
  • Reduced usage
  • Young drivers
  • Annual payment plan

States where Erie offers coverage

Graph
Table
States where Erie offers coverage
Illinois
Indiana
Kentucky
Maryland
New York
North Carolina
Ohio
Pennsylvania
Tennessee
Virginia
Washington D.C.
West Virginia
Wisconsin
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Company background

Erie

Since 1925, Erie Insurance has been fulfilling its promise to provide auto, home, business and life insurance rooted in the principles of honesty, decency, service and affordability. Rated A+ (Superior) by A.M. Best, Erie is currently the nation’s 12th largest homeowners insurer, 12th largest automobile insurer and 13th largest commercial lines insurer. Based in Erie, Pa., Erie is a Fortune 500 company with more than six million policies in force and operates in 12 states and the District of Columbia.

Resources & Methodology

Sources:

Erie Insurance. “Auto insurance.” Accessed February 2024.

Erie Insurance. “Car insurance coverage explained.” Accessed February 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

author image
Laura Longero
Executive Editor

 
|
  

Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

Other Similar Companies