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Erie Insurance: Overview
Based in Pennsylvania, Erie Insurance has been providing coverage since 1925.
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About Erie
Erie Insurance Exchange was founded in 1925 by H.O. Hirt and O.G. Crawford, in the city of Erie, Pennsylvania. H.O. Hirt hoped to create a company based on superior service using the mantra, “The ERIE is Above all in sERvIcE,” with the letters "E-R-I-E" raised in capitals out of the word “service.” It still remains the company tagline today. Three years after being established, the company was doing so well that it expanded its business by opening its first office outside Erie, in Pittsburgh. By 1934, the company created the “Super Standard Auto Policy,” which was used as a model for other insurance companies across the country. The company later expanded its product portfolio into a home, business and in the year 1967, Erie Family Life Insurance Company was formed, offering life insurance to consumers. Erie Indemnity Company was registered with the Securities and Exchange Commission in 1994 and in the following year it was listed on NASDAQ. Today, Erie Insurance Company ranks number 381 on the 2019 FORTUNE 500® list and has over 5,000 employees and 12,000 independent agents. Also, the company ranks highest among auto insurers in providing a satisfying purchase experience, with a score of 917 (on a 1,000-point scale).
Erie Facts & Ratings
| Year Founded | 1925 |
| Financial Strength | Excellent |
| Market Share | 1.29% |
| NAIC Complaint Ratio | 0.22 |
Erie Mobile App Rating
| iOS | 3 stars (out of 5) | 129 user reviews |
| Android | 3.2 stars (out of 5) | 266 user reviews |
The Erie Insurance mobile app is available for iOS and Android.
Pros & Cons of Erie Insurance
- Erie Insurance is well-known for its competitive price and excellent claims service.
- It has fewer customer complaints than the industry median, relative to its size.
- Offers 12-month premium quotes
- Multiple discounts available
- It locks in your auto insurance rate, so your premium won’t change unless you add or remove drivers or cars.
- It doesn’t accept claims online, only by phone.
- It offers its products in only 12 states.
Common Questions about Erie
Is Erie the best car insurance for teens?
Erie is easily one of the most affordable companies for teen and college-aged drivers. The company offers discounts of up to 20 % for drivers who live at home and are under 21, for each year they spend under the same policy, for taking a driving class, and even for participating in the company’s competitive program that offers prizes to students who are the most engaged with safe driving.
How do I file a claim with Erie insurance?
To file a claim with Erie insurance you can get in touch with your local agent or call (800) 367-3743 for support 24 hours, 7 days a week.
Is Erie insurance better than State Farm?
Erie Insurance and State Farm are the two most popular auto insurance companies, offering competitive insurance premiums in most states in the US. Both companies have unique benefits and the rates can vary depending on the product and conditions you are looking at. We highly recommend that you compare quotes to see which provider offers you the most affordable rates, and you can check by clicking here.
What is Erie insurance AM Best rating?
A.M Best is a respected provider of financial ratings for insurance organizations and Erie Insurance Group has earned the rating of A+ (superior).
Will Erie auto insurance cover classic cars?
Erie auto insurance offers classic car coverage, which can be easily added to your auto insurance policy. If you have an antique car, classic car or special interest vehicle, you don’t need to buy a separate policy, you can add on the same policy as your other vehicles.
What options do Erie's life insurance offers?
Erie offers the following life insurance options: Term Life: select from a 10, 15, 20 or 30-year plan to protect. Whole Life: protection with premiums and coverage that are guaranteed to remain the same for your lifetime. Universal Life: entire life protection; includes a policy cash value with a flexible payment schedule.
How do I cancel my Erie insurance?
The easiest way to cancel with Erie Insurance is by contacting your local agent by phone, email or in person. You also have the option to start the cancellation process by calling the customer service or sending an email. Either way, the company requires written notice.
Does Erie insurance cover windshield replacement?
The comprehensive coverage from Erie insurance covers the cost to repair a cracked or chipped windshield without charging the deductible. Also, it includes Glass Repair Coverage, which can cover the cost of windshield replacement, but you’ll have to pay your deductible.
What is Erie business insurance cover?
Erie business insurance offers comprehensive, customizable coverage, competitive rates, outstanding service and more. It offers the following commercial industry packages: Auto service Brewery, Winery, Distillery InsuranceContractorsLandlord & Property OwnersManufacturers InsuranceOffices & Professional ServicesRestaurantsRetailWholesalers-Distribution
How much is a multi-policy discount by Erie insurance?
Erie insurance offers multi-policy discounts from 16% to 25%, depending on your state when you insure your auto and home with the company.
What are Erie Rate Lock options?
Erie Rate Lock is an optional coverage that offers pricing stability by locking your current insurance rate. Even if you have a claim, your rates won’t change until you make certain changes to your auto insurance policy, such as adding or removing a vehicle or a driver from your policy or changing your primary residence.
Does Erie insurance have accident forgiveness?
Yes, Erie Insurance has First Accident Forgiveness. This coverage is for a driver who has been a customer for three years and had the first accident so there won’t be any extra charges. It only applies once.
What is Erie diminishing deductible option?
Erie offers diminishing deductible, which is a type of coverage that reduces your deductible by $100 for every consecutive claims-free policy year, up to a maximum of $500.
Does Erie car insurance have ridesharing coverage?
Erie Insurance offers Rideshare Insurance, which covers you during every part of the trip - before, during and after the hired ride.
How does Erie homeowners insurance replacement cost work?
Erie homeowners insurance replacement cost will pay you for the full cost of rebuilding your house back to its previous size and specifications. This kind of coverage is not available in all states, so please check with an Erie agent to see if you live in a covered area.
Erie Insurance Products
| Car Insurance | Motorcycle Insurance |
| Recreational Vehicles Insurance | Boat Insurance |
| Collector and Classic Car Insurance | Off-Road Vehicle Insurance |
| Homeowners Insurance | Mobile Home Insurance |
| Condominium Insurance | Renters Insurance |
| Personal Valuables Insurance | Flood Insurance |
| Life Insurance | Retirement |
| Personal Catastrophe Liability Insurance | Identity Theft Recovery Coverage |
| Medicare Supplement | Long-Term Care Rider Insurance |
| Business Insurance | Business Auto Insurance |
| Brewery, Winery, Distillery Insurance | Contractors |
| Landlord & Property Owners | Manufacturers Insurance |
| Offices & Professional Services | Restaurants |
| Retail | Risk Control Services |
| Wholesalers Distribution | Workers’ Compensation |
Erie Auto Insurance Coverage
Bodily Injury Liability
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
Property Damage Liability
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
Uninsured/Underinsured Motorist
This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
Comprehensive Coverage
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
Collision Coverage
his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
Rental Car Coverage
This coverage takes care of renting a vehicle while yours is being repaired.
Roadside Assistance
This coverage helps you get back and driving if you have a roadside breakdown.
Erie Rate Lock
This coverage guarantees that your rates will only change if you add or remove a vehicle or a driver or move.
First Accident Forgiveness
This coverage is for a driver who has been a customer for three years and had the first accident. It only applies once.
Diminishing deductible
This coverage reduces your deductible by $100 for every consecutive claims-free policy year, up to a maximum of $500.
Feature Fifteen
This coverage guarantees that you won’t face an increase in rates after an at-fault accident. It applies to those who have been a loyal customer for 15 years or more.
New car protection
This coverage is for vehicles less than two years old that are considered a total loss after an accident. Erie Auto will replace it with a new one of the latest model year.
Locksmith services
This coverage takes care of sending you a locksmith to help if you get locked out of your vehicle.
Personal item coverage
Additional coverage for personal items inside your vehicle.
Pet coverage
This form of coverage covers veterinary care for pets injured in your vehicle in an accident, up to $1,000
Discounts
| Multi-Policy Discount | Driver Training Discount |
| Advance Quote Discount | Age 55 Discount |
| Multi-Vehicle Discount | New Vehicle Discount |
| Paid in Full Discount | Safety Features Discount |
| Teen Driver Discount | Student Discount |
| Young Driver Loyalty Discount | Safe Driver Discount |
| Prior Bodily Injury Limits (BIL) Discount | Reduced Usage Discount |
Erie Auto Insurance Rates by State
Erie Auto Insurance Rates by Vehicle
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Erie Auto Insurance Rates by Homeownership
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Erie Contact Info
| Address | 100 Erie Insurance Place, PA 16530 |
| Phone | 1-800-458-0811 |
| Website | https://www.erieinsurance.com/ |
| https://www.facebook.com/erieinsurance/ | |
| https://twitter.com/erie_insurance | |
| Youtube | https://www.youtube.com/user/ErieInsurance |
| https://www.linkedin.com/company/erie-insurance-group/ |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
How Does Erie Compare to Other Car Insurance Companies?
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| Erie vs Westfield |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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