Erie Insurance is the best regional home insurer for 2025 with a 4.62-star rating out of 5. The company’s customers give it high marks for customer service and it offers some of the lowest home insurance rates among the companies in our insurance consumer survey.
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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Erie was the best-rated regional home insurance company in our 2025 Best Home Insurance Companies ranking. The company received 4.62 out of 5 stars and topped several of the individual categories we used to select the top insurers. If ranked alongside national carriers, Erie would have landed in second place overall.
A consumer survey conducted by Insure.com found that 92.9% of Erie customers plan to renew, and 92.9% would recommend the company for home insurance. Erie had the top score for claims, with 100% of customers reporting satisfaction with its claims handling.
As a smaller company, Erie offers home insurance in less than half of the states. Despite the limited availability, Erie ranked at No. 4 with J.D. Power for overall satisfaction and third for claims satisfaction, has a superior A+ financial strength rating from AM Best, and is well regarded for the breadth of its policy offerings.
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.
Below is our review of Erie Insurance. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
Erie Insurance has rates well below the national average of $2,604 and some of the cheaper rates among the companies we surveyed, although not the cheapest.
Our survey found that 89.3% of Erie Insurance customers rate it highly for customer satisfaction, which was fourth in our ranking. Amica was first, at 96.2%.
Erie had the second-highest score for overall satisfaction in J.D. Power’s 2024 study of customer satisfaction.
Erie received the top score for ease of service, with 100% of customers surveyed saying they are satisfied or highly satisfied. The next closest score was The Hartford at 93.8%.
Our survey found that 89.3% of respondents are happy with the policy offerings from Erie Insurance. Erie’s policy offerings include standard homeowners, condo owners, renters insurance, mobile home policies, flood insurance and coverage for personal valuables. Nationwide scored highest at 96.4%.
According to our survey, 92.9% of respondents said they’d recommend Erie to others, making it the most recommended company in the survey. Progressive was second at 89%.
Erie scored lower than competitors when it came to trust, with 78.6% of customers saying they trust the company. However, this didn’t seem to affect customers’ willingness to renew their policies and recommend Erie to others. The most trustworthy company was Safeco, at 95.7%.
According to our survey, 92.9% of Erie’s customers plan to renew their home insurance with the company. That was a solid score, although several other companies had scores in the 90s here. Safeco won this category with 100% of customers saying they’ll renew.
Erie had the top score in our survey, with 100% of customers saying they were satisfied with the claims process. J.D Power’s survey gives Erie a rating of 888 out of 1,000 for claims satisfaction, rating it No. 2 behind Amica.
This wasn’t the strongest category for Erie, with 75% of customers saying they were satisfied with the digital experience. Liberty Mutual topped this category at 94.3%.
The Erie app has 4.2 stars in the Apple App Store and 4.1 stars in the Google Play store.
Erie’s score for discounts was 77.8%, landing it towards the top of the rankings. Amica topped this category at 84.6, with Nationwide a close second at 82.1%.
Erie offers a 17% auto and home bundling discount, on average. In our survey, 81% of Erie customers reported satisfaction with auto and home bundling. That score put Erie in the top half of this category.
Erie Insurance was founded in 1925 in Erie, Pennsylvania. Within 20 years, the company had expanded into Pittsburgh and written its first comprehensive liability insurance policy. In 1995, during the company’s 70th anniversary, it was listed on the NASDAQ. Eight years after that, it was listed in the Forbes 500.
Today, Erie Insurance is still headquartered in Erie, Pennsylvania, employs 6,000 people and works with more than 13,000 independent agents.
Sources:
Erie Insurance. “Homeowners insurance.” Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home 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 measure 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 home 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.