Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Erie Insurance ranked No. 1 among regional carriers in our ranking of the Best Car Insurance Companies for 2025 with 4.62 stars out of 5.
Customers were highly likely to recommend Erie to friends and family, and it was a top scorer for trustworthiness. It also received top marks for customer satisfaction and ease of service. Erie offers the most affordable rates of the carriers in our ranking of the best regional auto insurance companies but only provides coverage in 12 states.
Erie received an A+ (Superior) rating for financial stability from AM Best.
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.
AM 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.
Erie Insurance has some of the cheapest premiums among the companies in our ranking. Its monthly premiums of $123 are less than those of regional insurer competitors on our list, such as Auto-Owners and American Family, as well as national industry heavyweights State Farm and GEICO.
*USAA is only available to military community members and their families.
Erie ranked high in customer satisfaction in our survey with 85% of customers saying they were pleased with the service they received. Regional rival Auto-Owners did slightly better at 87%.
Erie ranked No. 1 among regional carriers, scoring 96%. Customers were pleased with how easy it is to access policy documents and other services. Auto-Owners came in second in this category, scoring 92%.
Erie Insurance was the top performer among regional carriers in terms of policy offerings. Our survey found that 89% of customers were satisfied with the insurer’s policy offerings, such as coverage for motorcycles, RVs and boats.
Customers are highly likely to recommend Erie Insurance to their friends and relatives. In the survey, 92% of customers said they’d recommend it. Most auto insurers ranked in the 80th percentile in this category.
Erie has a high trustworthiness rating for 2025, with 92% of its customers giving it high marks. Other heavy hitters in this category were Amica at 97% and State Farm at 93%.
Most Erie Insurance customers plan to renew their policies. Ninety-two percent of respondents said they would do so. However, regional competitor Auto-Owners beat Erie in this category, with 95% of their customers saying they’d renew.
Erie Insurance placed second in our ranking for claims handling. Most companies ranked in the 80th percentile for claims handling.
Erie Insurance led for digital experience in this ranking of regional car insurance providers. Eighty percent of customers were satisfied with the insurer’s website and app services.
Erie Insurance customers gave the insurer a score of 72%. Most insurers were in the 60th percentile for discounts, which shows that many have room to improve. Erie outranked the other regional carriers for discounts.
Erie Insurance had the top score for bundling, a metric that considers discounts for combining auto with other insurance products such as home, renters, condo or life.
Since 1925, Erie Insurance has provided auto, home, business, and life insurance. Rated A+ (Superior) by A.M. Best, Erie is the nation’s 12th largest automobile insurer. Based in Erie, Pennsylvania, the carrier is a Fortune 500 company with over six million policies operating in 12 states and the District of Columbia.
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 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:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes 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 codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They 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.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.