Erie home insurance ratings and review 2026

Erie ranks No. 3 among regional carriers and No. 6 when included among all ranked companies, regional and national. It tied with CSAA for both places. Rates come in above average at $2,783 a year, but Erie offers additional benefits on a standard policy that might be worth the added cost.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Erie home insurance

Erie is the No. 3 regional company in our 2026 Best Home Insurance Companies ranking, tied with CSAA (the two also tied for 6th when national carriers are included). The addition of more regional carriers to this year’s ranking dropped it a few places, but Erie’s excellent scores in most areas ensure it remains a top pick.

  • It’s difficult to find areas where Erie performed poorly; its customer survey scores were mostly excellent and only slightly behind the top-rated competitors in many areas, while topping others.
  • Erie’s standard homeowners insurance policy offers an impressive list of coverages that aren’t standard elsewhere: guaranteed replacement cost, extended personal property coverage, higher limits for high-value items and more. That’s a good argument for higher rates.
  • Erie has a very low complaint ratio with the NAIC. That aligns with our survey score for the company, indicating that customers are generally satisfied with Erie.

Below is our review of Erie. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

3
Erie
4.20 Insure.com Score
Average Premium
$2,783
Customer Survey
NAIC
AM Best Rating
A
Effective date:
Pros and cons
Pros:
  • Top-rated for claims: Erie tied for the best claims handling score in the survey at 84% satisfaction
  • High scores across the survey: Scores for customer satisfaction, trust and more were all near the top
  • Offers extra coverage: A standard policy includes guaranteed replacement cost, extended personal property coverage and more
Cons:
  • Rates are above average: Erie is among the more expensive carriers
  • No online purchases: You can’t buy an Erie policy online, only start the quote and finish with an agent
  • Fewer discounts: Erie lists fewer discounts than most competitors for home insurance

Who should buy Erie home insurance?

Erie is a good choice for you if:

  • You value excellent customer service ratings over the cheapest rate
  • You’re looking for a company that includes extras in a standard policy, like guaranteed replacement cost
  • You prefer a regional carrier to a national one, but still want a large, stable company

It might not be the best choice if:

  • You want the lowest possible rates
  • You want to be able to quote and buy insurance online and not have to work with an agent
  • Digital tools are a top priority for you

Erie home insurance cost: Coverage and competitor comparison

At $2,783 per year, Erie’s average rate is a few hundred dollars above the national average of $2,543. Like many carriers, Erie’s rates have increased notably. 

It’s worth noting that a standard Erie policy includes more than many other carriers: Erie includes guaranteed replacement cost coverage and extended coverage for personal property, among other standard perks.

  • Erie comes in just below the most expensive regional carrier, Auto-Owners ($2,840)
  • Rates are in a similar range to other carriers as well, including American Family ($2,759) and national carriers like Farmers ($2,820)
  • Erie’s average rate is more than $1,000 above the cheapest company in our ranking, Amica ($1,510)

Compare Erie’s rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Erie scores for customer satisfaction, ease of service, policy offerings and claims

Erie topped the entire survey (tied with Auto Club Enterprises) for policy offerings, at 93% satisfaction. It achieved high scores in all the top four categories of the survey and tied for best in claims handling, at 84%, with American Family and Nationwide.

In the other two categories, it was just a few percentage points behind the top-rated companies. Liberty Mutual won for ease of service, scoring 93%, while Erie scored 92%. Auto Club Enterprises won for overall customer satisfaction, scoring 95%, with Erie just behind at 93%.

All in all, these categories were excellent for Erie.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Erie93%92%93%84%
American Family76%84%78%84%
Auto-Owners82%84%80%62%
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How Erie scores on customer recommendations, trust and renewals

Erie had excellent scores across the board for the three main questions on our survey about customer sentiment and loyalty towards their insurance company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

Erie had the second-highest score among all companies for trust, with 98% of customers reporting that they trust the carrier. Only Auto Club Enterprises scored higher (100%). Erie’s rate of customer renewals (93%) and recommendation to others (92%) were both excellent scores.

CompanyRecommendedTrustworthinessRenewals
Erie92%98%93%
American Family84% 87% 92% 
Auto-Owners87%88%92%
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How Erie scores for digital experience, auto/home bundling and discounts

Erie’s scores were mixed when compared to competitors; it scored lower on digital experience (71%) and in the middle for auto/home bundling (88%) and for discounts (63%). 

For a company like Erie, which intentionally works through agents, it’s not surprising to see a lower digital score; that said, it’s an essential factor in today’s world.

Erie’s listed discounts on the website are minimal, but its score is still middle of the pack. Many companies score in the 50s and 60s in this area.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Erie71%88%63%
Auto-Club Group77%93%72%
American Family78%84%62%
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Types of home insurance offered by Erie

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Mobile home: Coverage for mobile/manufactured homes

Erie home insurance discounts

  • Multi-policy: Discount for insuring both your home and vehicle with Erie; discounts for buying life insurance as well
  • Fire, burglary alarm, sprinkler system: Reduced rates for installing these protective devices
  • Advanced quote: Discount for getting a quote seven to 60 days before your policy renews
  • Hurricane/wind mitigation (Florida, North Carolina and South Carolina only): Discounts for features that protect the home from major storms

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.
Wisconsin
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Erie at a glance

Erie

Eleventh-largest homeowners insurance company by market share, with $3,328,629,871 in direct premiums written according to the 2024 NAIC Market Share Report

Policies are sold through more than 14,000 independent agents

Erie’s focus is on the northeastern states, serving 12 states and Washington, D.C.

Contact Erie at www.erieinsurance.com or 800-458-0811.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Erie Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology 

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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