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Erie auto insurance review and ratings 2025

Erie ranked No. 1 in our Best Car Insurance Companies among regional carriers for 2025 with 4.62 stars out of 5. Survey participants give the company high marks for customer satisfaction, ease of service and policy and bundling offerings.
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Our take

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.

Erie
Erie Ratings
Overall Rating: 4.62
Average Premium: 5.00
NAIC: 0.89
Customer Satisfaction: 4.46
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • High ranking for ease of service and policy documents
  • Customers are 92% likely to recommend insurer to others
  • Cheaper rates
Cons:
  • Only available in 12 states
  • Could improve available discounts

How much Erie Insurance costs

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.

CompanyMonthly premium
USAA*$115
Erie$123
Nationwide$129
Auto-Owners$129
Travelers$134
American Family$142
Geico$147
State Farm$165
Progressive$166
Amica$185
Farmers$199

*USAA is only available to military community members and their families.

How Erie scores for customer satisfaction

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%.

CompanyPercent of customers who are satisfied
Erie85%
Auto-Owners87%
American Family79%

How Erie Insurance scores on ease of service

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%. 

CompanyPercent of customers satisfied with the company’s ease of service
Erie96%
Auto-Owners92%
American Family83%

How Erie Insurance scores on policy offerings

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. 

CompanyPercent of customers satisfied with the company’s policy offerings
Erie89%
Auto-Owners87%
American Family75%

Would current customers recommend Erie Insurance to others?

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.

CompanyPercent of customers who would recommend the company
Erie92%
Auto-Owners85%
American Family71%

How trustworthy is Erie Insurance?

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%.

CompanyPercent of customers who say they trust the  company
Erie92%
Auto-Owners90%
American Family85%

Do Erie Insurance customers plan to renew?

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. 

CompanyPercent of customers who plan to renew with the company
Erie92%
Auto-Owners95%
American Family88%

How Erie Insurance scores on claims handling

Erie Insurance placed second in our ranking for claims handling. Most companies ranked in the 80th percentile for claims handling.

Company Percent of customers who are satisfied with the company’s claims handling
Erie 80%
Auto-Owners 83%
American Family 67%

How Erie Insurance scores on digital experience

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.

Company Percent of customers satisfied with the company’s digital experience
Erie 80%
American Family 77%
Auto-Owners 75%

How Erie Insurance scores on discounts

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.

Company Percent of customers satisfied with the company’s discounts
Erie 72%
Auto-Owners 68%
American Family 67%

How Erie Insurance scores on bundling

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.

Company Percent of customers satisfied with the company’s home and auto bundling
Erie 90%
Auto-Owners 80%
American Family 68%

Erie car insurance coverages

  • Auto 
  • Motorcycle
  • Insurance for recreational vehicles
  • Boat 
  • Collector and classic car insurance
  • Snowmobile 
  • ATVs
  • Golf cart

Erie additional policies

  • Home 
  • Renters 
  • Condo 
  • Mobile home 
  • Personal valuables 
  • Flood 
  • Extended water coverage 
  • Life 
  • Personal umbrella 
  • Identity theft recovery 
  • Business

Erie car insurance coverage options

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured or underinsured motorist 
  • Comprehensive
  • Collision
  • First accident forgiveness
  • Windshield repair 
  • Pet injury 
  • Travel expenses
  • Auto Plus
  • Rate lock
  • New car replacement 
  • Rental car coverage 
  • Roadside and rental bundle

Erie car insurance discounts

  • Multi-policy 
  • Youthful driver
  • College student 
  • Pay in full 
  • Car safety equipments

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.
West Virginia
Wisconsin
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
Available
Not available

Company background

Erie

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.

Resources & Methodology

Methodology

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: 

  • Customer satisfaction
  • Ease of service 
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Discounts offered
  • Fair rate increases over time
  • Insurance for young drivers/teenagers
  • Insurance for college students
  • Insurance for senior drivers
  • Insurance for drivers with tickets or accidents
  • Auto and home bundling

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:

  1. I plan to renew with my current auto insurance company
  2. I would recommend my auto insurance company to others
  3. I trust my auto insurance company

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.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

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.

author image
Katrina Raenell
Contributing Researcher

 
  

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.

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