Home / Reviews / Erie Insurance

Erie Insurance car insurance review

4.5 / 5 editorial rating

By the Five Star Insurance Reviews editorial team · Updated October 13, 2026

Quick take

Best for: Drivers in states Erie serves
Stands out: Regional carrier with a service-focused reputation
Keep in mind: Sold only in certain states

General overview based on published features. Coverage, discounts and availability vary by state; confirm details with Erie Insurance. How we rate

At a glance

Sold through	Independent agents only; you can start a quote online
Where available	12 states and DC (IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI)
AM Best rating	A+
Usage-based program	Ask your agent
Also worth knowing	Optional Rate Lock feature

Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.

What it does well

Regional carrier with a service-focused reputation
Rate-lock style options in some states

Watch out for

Sold only in certain states

Who it may suit

Erie Insurance tends to suit drivers in states erie serves.
Look at other carriers too if this worries you: sold only in certain states.

Before you buy: check these

Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.

Questions to ask before you buy

Which coverages and limits are included, and which are optional add-ons?
What deductible applies to collision and comprehensive?
Which discounts am I getting, and which could I still qualify for?
How does the price change at renewal, and what could raise it?
How do I file and track a claim?

Compare Erie Insurance and other quotes

Keep comparing

FAQs

Is Erie Insurance a good fit for me?

Erie Insurance tends to suit drivers in states erie serves. Your quote depends on your own profile, so compare at least three carriers before you decide.

Does Erie Insurance have the cheapest rates?

No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.

How do I get a Erie Insurance quote?

You can request quotes from several carriers at once through our partner, or visit Erie Insurance’s own website.

Where is Erie Insurance available?

12 states and DC (IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI). Availability can change, so confirm with the carrier.

How can I check Erie Insurance’s financial strength and complaints?

Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.