Average car insurance cost in Erie, PA

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Based on an analysis by Insure.com, the typical car insurance expense in Erie, Pennsylvania is $1,895 annually. Furthermore, car insurance premiums in Erie are $23 more than compared to the state average in Pennsylvania and equals to the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Erie, the average car insurance rates by age and gender, and the costs in Erie based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Erie. Keep reading to learn more.

Cheap car insurance companies in Erie

Travelers provides the best value for car insurance in Erie with coverage limits of 100/300/100, costing $969 annually.

A close second is Nationwide, which offers car insurance at $1,144 per year.

Read about the best car insurance companies.

Average car insurance cost in Erie by coverage limits

In Erie, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $433 per year (limits are 25/50/25)
• Liability only coverage: $576 per year (limits are 50/100/50)
• Full coverage: $1,895 per year (limits are 100/300/100)
• Non-owners coverage: $291 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Erie

Based on an analysis by Insure.com, female drivers in Erie, Pennsylvania pay an average annual car insurance premium of $1,895. In comparison, male drivers pay $1,895 annually, which is equals to what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Erie

Car insurance rates in Erie, are highest for teens at $5,856 per year or $488 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,202 annually for their car insurance, which is $2,654 less than what teens pay for their insurance coverage.

In Erie, adult drivers pay an average of $1,924 per year for car insurance, while senior drivers pay $1,919 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Erie

Examining the trends in car insurance rates in Erie, Pennsylvania, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 32% or $459.

The table below illustrates the trend over the three years:

Conclusion

In conclusion, the insurance rates in Erie, are higher than the average insurance cost in Pennsylvania. Shopping around and taking advantage of available discounts, drivers in Erie can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.