Bankrate's take
Erie Insurance focuses on low-risk customers with good credit and clean records, so it's not for everyone — but for eligible shoppers in Erie's 12-state operating region and D.C., this service-focused carrier may be among the best.
In the summer of 2025, Erie faced 14 class-action lawsuits associated with an alleged data breach that was believed to have compromised customer privacy. As of August, however, the Erie Times-News reported that all but four of the lawsuits had been dropped when it was determined that no customer data had been compromised in the cyberattack.
Erie may be a great option for some shoppers, but it's not the right fit for everyone. Here's how Erie Insurance compares to two close competitors.
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For 2025, Erie's auto insurance product earned a Bankrate Score of 4.1 out of 5.0, reflecting the carrier's reputation for stellar customer service, efficient claims handling and high-quality coverage. The primary factor bringing Erie's Bankrate Score down from the maximum possible 5.0 points is its limited geographic availability: Erie only sells car insurance in 12 states in the Northeast, Midwest and South along with Washington, D.C.
Robust coverage options and affordable pricing make up the bedrock of Erie's auto insurance offering. Custom coverage options include full window glass repair coverage, pet injury coverage, diminishing deductibles and accident forgiveness. Erie also offers a unique Rate Lock feature, which allows policyholders to avoid future rate increases.
Pros and cons of Erie car insurance
If Erie car insurance is available in your state, consider the following advantages and disadvantages of their auto insurance product.
According to average premium data from Quadrant Information Services, the average monthly cost of full coverage car insurance from Erie is $188. For state minimum coverage, the monthly average is $62. That's 15 percent less than the national average for full coverage and 8 percent less than the national average for state minimum coverage.
Compare Erie car insurance rates
In general, Erie's car insurance premiums are lower than those of most competitors. However, keep in mind while requesting quotes that Erie serves customers in a more limited geographic region.
| Erie | $188 | $62 |
| State Farm | $223 | $75 |
| Progressive | $182 | $61 |
| Geico | $181 | $49 |
| Allstate | $279 | $82 |
Erie's home insurance reveals the same strengths and weaknesses as its auto insurance product, earning a similar Bankrate Score of 4.3 out of 5.0. While limited regional availability and poor digital tools reduced Erie's score for home insurance, its excellent customer service record and affordable rates give it a significant competitive edge in its operational area.
Guaranteed replacement cost is a standard feature of all Erie home insurance policies. Flood insurance, which typically has to be purchased from a separate company, is available as a policy endorsement from Erie.
Pros and cons of Erie homeowners insurance
Home insurance from Erie may be a good option for many homeowners, but it's worth considering some of the drawbacks.
- Guaranteed dwelling replacement cost coverage is standard on Erie homeowners policies
- Ranked fourth in J.D. Power's 2024 U.S. Home Insurance Study
- Standard home insurance policies include up to $500 in pet coverage
Data from Quadrant Information Services indicates that the average cost of home insurance from Erie is $2,498 per year for $300K in dwelling coverage. Compared with the national average of $2,408 per year, Erie's average rates are 4 percent more than average.
Compare Erie homeowners insurance rates
Erie may have higher home insurance premiums than some other major insurers, while its average rates are lower than those of other top-rated carriers. However, keep in mind that these averages may vary based on your location and risk factors specific to your home.
| Erie | $2,498 | 90 |
| State Farm | $2,186 | -222 |
| Allstate | $2,573 | 165 |
| USAA | $1,248 | -1160 |
| Travelers | $2,787 | 379 |
Answering a few quick questions to check your availability with Erie
In addition to home and auto insurance, Erie offers three life insurance products: term life, whole life and Erie's exclusive ERIExpress Life, which is available as either a term or whole life insurance policy. If you're looking for quick life insurance quotes, Erie may be an option worth checking out.
The ERIExpress life insurance product offers a few benefits compared to traditional term or whole life insurance policies, which are also available through Erie. ERIExpress requires no medical exam for applicants, includes an automatic accelerated death benefit rider and can be purchased for a five-year term, the shortest term that Erie offers. However, coverage is only available in amounts from $10,000 to $500,000, which may not be adequate for all families.
Pros and cons of Erie life insurance
Erie may be the best life insurance company for some shoppers, especially if you already have home and/or auto insurance through the company — but it's not the right choice for everyone.
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"Erie's online experience makes it very easy to pay my auto insurance bill. There's a clear callout on how much is due & when, that when clicked takes you to an experience where it only takes 2 clicks to make your payment. They do a good job reminding you when your bill is due, sending both an email and physical mail about a month ahead of the payment date. I pay my home insurance out of the escrow account within my mortgage provider. It seems like Erie is efficient in communicating with the mortgage provider so that when rates increase a bit (and as such the old escrow payments no longer would fully cover the cost) they adjust the monthly escrow payment quickly to accommodate."
—BRAYDEN SIMS, SENIOR DIRECTOR OF SEO AND ERIE CUSTOMER FOR FOUR YEARS
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.