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Erie Auto Insurance Reviews And Ratings

Updated on
erie
Erie Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 88%
Who Plan to Renew 95%
AM Best Financial Strength Ratings A+

About Erie Car Insurance Company

Customer service:800-458-0811
Claims: 800-367-3743
Corporate HeadquartersErie Insurance Group
100 Erie Insurance Place
Erie, PA 16530-1104

Best Auto Insurance Companies 2021: How Erie Auto Insurance Compares

Erie earned a top ten spot in our annual review of Best Auto Insurance Companies. They got a three and a half out of five-star overall InsureScore. They received a four-star score in customer service, three and a half-star score in, price and website & apps and a three-star score in claims.

When we asked Erie customers if they would recommend the company to others, 88% said yes and 95% said they planned to renew their plan.

In the 2020 J.D. Power Auto Insurance study, Erie ranked above average in both auto insurance claims satisfaction and auto insurance shopping.

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.

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.

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.

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.

Erie Car Insurance Coverages

  • Personal auto/Business auto
  • Motorcycle
  • Rideshare (in certain states)

Erie Car Insurance Additional Policies

  • Homeowners
  • Personal Liability
  • Inland marine (personal property)
  • Life
  • Boat
  • Business

How likely customers would recommend this company?

52% I would definitely recommend this company
36% I would probably recommend this company
11% Neutral
1% I would probably not recommend this company
0% I would not recommend this company

Reasons for Buying

Customers of Erie originally decided to purchase from the company for these reasons:
  • 38% Recommended by friend or family member
  • 24% Offered best price
  • 19% Reputation
  • 7% Was the company my parents had
  • 4% I had other insurance with this company
  • 4% Saw online ad
  • 3% Saw TV commercial
  • 1% The company website and mobile apps are easy to use and helpful
  • 0% Financial strength rating

Would you renew?

  • 95% Yes
  • 5% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 32%
  • Fairly satisfied / Fulfills my needs OK 34%
  • Average website and apps 15%
  • Very unsatisfied / digital offering is severely lacking 13%
  • Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

  • In person 45%
  • Phone 35%
  • Email 1%
  • Interactive website 9%
  • Mobile App 10%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Erie’s customer complaint ratio for Private Passenger Auto insurance is 1.1
Coverage Options
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Lock in your rate Icon
Lock in your rate
Locks in your rate year after year, even if you have a claim.
Waiver of deductible for not at-fault accident Icon
Waiver of deductible for not at-fault accident
You won"t have to pay your collision deductible if an accident wasn"t your fault.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Erie available?

Customer Reviews

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:

Customer Reviews

111 Reviews. 4 Stars out of 5
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