Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
88%
% Who Plan to Renew
95%
AM Best Financial Strength Ratings info-icon info-icon April 01, 2021
A+
HOW WE WEIGH OUR SCORE
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance 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

How likely to recommend?

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

Would you renew?

95% Yes
5% No

Ratings on Website & Apps

Fairly satisfied / Fulfills my needs OK
34%
Completely satisfied / Outstanding website & apps that give me what I need and more
32%
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?

Phone
45%
In person
35%
Email
10%
Interactive website
9%
Mobile App
1%
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Customer Complaint Ratio

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Private Passenger Auto
1.10
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 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.


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
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 auto insurance available?

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

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