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Erie Insurance home insurance review and ratings 2025

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.

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Our take

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.

Erie
Erie Ratings
Overall Rating: 4.62
Average Premium: 4.57
NAIC: 0.54
Customer Satisfaction: 4.39
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • Rates are below average
  • Highest percentage of customers who would recommend Erie to others
  • Top score for claims handling at 100%
Cons:
  • Only available in 12 states and Washington, D.C.
  • Digital experience was ranked below some competitors

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.

How much Erie costs

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.

CompanyAverage annual rate
Amica$2,000
Allstate$2,098
Auto-Owners$2,160
State Farm$2,169
Erie$2,183
American Family$2,504
Nationwide$2,746
Progressive$3,193
Farmers$3,194
Travelers$3,701

How Erie scores for customer satisfaction

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.

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
Erie89.3%674
Travelers81.4%609
Nationwide92.9%641

How Erie scores on ease of service

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%.

CompanyPercent of customers satisfied with the company’s ease of service
Erie100%
American Family82.5%
Amica88.9%

How Erie scores on policy offerings

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%.

CompanyPercent of customers satisfied with the company’s policy offerings
Erie89.3%
American Family81.0%
Progressive85.4%

Would current customers recommend Erie Insurance to others?

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%.

CompanyPercent of customers who would recommend the company to others
Erie92.9%
Auto-Owners72.5%
Travelers84.1%

How trustworthy is Erie?

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%.

CompanyPercent of customers who say they trust the company
Erie78.6%
American Family 81.0%
Nationwide82.8%

Do Erie’s customers plan to renew?

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.

CompanyPercent of customers who plan to renew with the company
Erie92.9%
Travelers90.9%
Amica88.9%

How Erie scores on claims handling

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.

Company Percent of customers who are satisfied with claims service J.D. Power claims satisfaction score (out of 1,000)
Erie 100% 888
Progressive 80.4% 851
Amica 95.7% 906

How Erie scores on digital experience

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.

Company Percent of customers who say the company is great for digital experience
Erie 75%
Nationwide 88.5%
Progressive 92.3%

How Erie scores for discounts

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%.

Company Percent of customers who say the company is great for discounts
Erie 77.8%
State Farm 62.0%
American Family 61.4%

How Erie scores on auto and home bundling

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.

Company Percent of customers who say the company is great for bundling Average bundling discount
Erie 81.0% 17%
Amica 89.5% 12%
Allstate 74.1% 16%

Erie home insurance coverage types

  • Standard homeowners
  • Condo owners
  • Renters
  • Mobile home
  • Flood
  • Personal valuables

Erie home insurance discounts

  • Multi-policy
  • Advanced quote
  • Fire/burglary alarm/sprinkler system credit

Other policies offered

  • Auto
  • Life
  • Motorcycle
  • RV
  • Boat
  • Business insurance
  • Collector car
  • ATV/snowmobile/golf cart

States where Erie offers coverage

Graph
Table
States where Erie offers coverage
Illinois
Indiana
Kentucky
Maryland
New York
North Carolina
Ohio
Pennsylvania
Tennessee
Virginia
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
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Company Background

Erie

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.

Resources and Methodology

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.

Methodology

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: 

  • Customer satisfaction
  • Ease of service 
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Insurance shopping and buying process
  • Billing process
  • Discounts offered
  • Fair rate increases over time
  • Older home coverage
  • Extra coverage included as standard
  • Home and auto 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 home insurance company
  2. I would recommend my home insurance company to others
  3. I trust my home 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 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.

  • 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.

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