Best Erie, Pennsylvania Auto Insurance in 2024 (Compare the Top 10 Companies)
Seeking for the best Erie, Pennsylvania auto insurance? Our top three picks are Farmers, Travelers, and State Farm, with rates starting at $60 per month. These top-rated insurers strike a perfect balance between cost-effectiveness and comprehensive coverage for Erie, Pennsylvania drivers seeking quality coverage.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Aug 17, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
2,903 reviewsCompany Facts
Full Coverage in Erie Pennsylvania
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Full Coverage in Erie Pennsylvania
A.M. Best Rating
Complaint Level
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1,731 reviews
17,759 reviewsCompany Facts
Full Coverage in Erie Pennsylvania
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
Farmers, Travelers, and State Farm offer amazing coverage for the best Erie, Pennsylvania auto insurance, starting at just $60 per month for the best value.
Erie, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Erie can seem like a difficult task, but all of the information you need is right here.
Our Top 10 Company Picks: Best Erie, Pennsylvania Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 13% A Customizable Policies Farmers
#2 8% A++ Broad Coverage Travelers
#3 10% B Local Agents State Farm
#4 15% A++ Military Focus USAA
#5 20% A+ Comprehensive Coverage Allstate
#6 12% A Innovative Features Liberty Mutual
#7 9% A+ Deductible Options Nationwide
#8 12% A+ Flexible Discounts Progressive
#9 8% A Discount Variety American Family
#10 19% A++ Local Focus Auto-Owners
Purchasing auto insurance in Erie, Pennsylvania requires you to compare quotes from various providers. Simply enter your ZIP code above to receive quotes for Erie, Pennsylvania for free.
- The best auto insurance company in Erie is Farmers
- The average commute length in Erie is 17.9 minutes
- Average auto insurance rates in Erie, PA is only $60/month
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#1 – Farmers: Top Overall Pick
Pros
- Competitive Rates: Farmers offers affordable rates that are often lower than industry averages. Their bundling discount of 13% further enhances savings when combining multiple policies, making them a top choice for the best Erie, Pennsylvania auto insurance.
- Strong Customer Service: Known for providing helpful and responsive customer support. They have an A rating from A.M. Best, indicating reliable financial strength and reinforcing their position as a provider of the best Erie, Pennsylvania auto insurance.
- Wide Range of Coverage Options: Offers various coverage types and add-ons to tailor your policy. Customizable policies allow you to adjust coverage to fit unique needs, positioning them among the best Erie, Pennsylvania auto insurance providers. See more details in our page titled Farmers auto insurance review.
Cons
- Claims Processing: Some customers report slower claims processing times. This can be a drawback compared to other providers with faster claims handling, impacting their overall ranking as the best Erie, Pennsylvania auto insurance.
- Limited Availability: Not all discounts or coverage options are available in every region. This can limit the benefits you might receive depending on your location, potentially affecting their position as the best Erie, Pennsylvania auto insurance provider.
#2 – Travelers: Best for Broad Coverage
Pros
- Broad Coverage Options: Provides extensive coverage options to meet diverse needs. Their A++ rating from A.M. Best reflects exceptional financial strength and makes them a strong contender for the best Erie, Pennsylvania auto insurance.
- Innovative Features: Offers modern tools and features like usage-based insurance programs. Their 8% bundling discount allows for additional savings when combining policies, solidifying their place as one of the best Erie, Pennsylvania auto insurance options. Learn more through our Travelers auto insurance review.
- Flexible Payment Plans: Options for flexible payment plans to manage premiums. Their range of coverage options allows for customization to fit various driving needs, contributing to their reputation as a leading provider of the best Erie, Pennsylvania auto insurance.
Cons
- Higher Premiums for Certain Drivers: Some drivers may find their rates higher compared to other providers. This could be due to less competitive rates for high-risk profiles, affecting their standing as the best Erie, Pennsylvania auto insurance.
- Complex Policy Terms: Coverage details and terms can be intricate and hard to understand. This complexity may require extra effort to fully grasp all policy aspects, potentially detracting from their overall appeal as the best Erie, Pennsylvania auto insurance provider.
#3 – State Farm: Best for Local Agents
Pros
- Extensive Network of Local Agents: Large network of agents provides personalized service and support. They offer a 10% bundling discount which can make policies more affordable when combined with other insurance types, enhancing their reputation as one of the best Erie, Pennsylvania auto insurance providers.
- Reliable Coverage: Known for dependable coverage and financial strength. Their B rating from A.M. Best indicates a solid, although not the highest, level of financial stability, making them a reliable choice for the best Erie, Pennsylvania auto insurance.
- Good Customer Satisfaction: Consistently high customer satisfaction ratings. Local agents often lead to more personalized service and tailored insurance solutions, contributing to their status as a top contender for the best Erie, Pennsylvania auto insurance. For discounts read our State Farm auto insurance discounts.
Cons
- Potentially Higher Rates for Poor Records: Drivers with a history of violations may face higher premiums. This can be a drawback for those with less favorable driving records, impacting their overall ranking as the best Erie, Pennsylvania auto insurance.
- Limited Online Tools: Fewer digital tools and online management options compared to some competitors. This can make managing your policy less convenient for tech-savvy users, potentially affecting their standing as the best Erie, Pennsylvania auto insurance provider.
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#4 – USAA: Best for Military Focus
Pros
- Exceptional for Military Families: Tailored policies and benefits for military members and their families. USAA’s 15% bundling discount provides significant savings for those eligible, making them a standout choice for the best Erie, Pennsylvania auto insurance among military families.
- Competitive Rates: Generally lower premiums due to reduced risk profile of military families. Their A++ rating from A.M. Best ensures top-notch financial stability, solidifying their reputation as one of the best Erie, Pennsylvania auto insurance providers.
- High Customer Satisfaction: Excellent customer service and high satisfaction ratings. USAA is consistently praised for its customer care and support, enhancing its status as a leader in the best Erie, Pennsylvania auto insurance. Learn more through our USAA auto insurance review.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access. This exclusivity means non-military drivers cannot benefit from their services, affecting their overall appeal as the best Erie, Pennsylvania auto insurance.
- Fewer Local Agents: Limited availability of local agents compared to larger national providers. This can impact the level of personalized service in some areas, which may affect their ranking as the best Erie, Pennsylvania auto insurance provider.
#5 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Broad range of coverage options, including unique add-ons. Their 20% bundling discount makes combining multiple policies more economical, positioning them as a top choice for the best Erie, Pennsylvania auto insurance.
- Strong Financial Stability: Reliable and financially secure provider. An A+ rating from A.M. Best reflects their ability to manage claims effectively, enhancing their reputation as one of the best Erie, Pennsylvania auto insurance providers.
- Numerous Discounts: Offers a wide variety of discounts, including those for safety features and bundling. This flexibility can lower overall insurance costs and contribute to their status as the best Erie, Pennsylvania auto insurance. Learn more in our Allstate auto insurance review.
Cons
- Higher Premiums for Some: Rates may be higher for drivers with certain risk profiles. This could be a disadvantage for individuals with poor driving records, impacting their overall appeal as the best Erie, Pennsylvania auto insurance.
- Customer Service Variation: Quality of customer service can vary by location. Differences in service levels may affect overall satisfaction and their standing as the best Erie, Pennsylvania auto insurance provider.
#6 – Liberty Mutual: Best for Innovative Features
Pros
- Innovative Features: Offers cutting-edge features and customizable coverage options. Their 12% bundling discount provides savings for those who combine multiple policies, making them a top contender for the best Erie, Pennsylvania auto insurance.
- Multiple Discounts: Variety of discounts available, including those for safe driving and new cars. Liberty Mutual’s A rating from A.M. Best supports its financial reliability and enhances its reputation as one of the best Erie, Pennsylvania auto insurance providers.
- Flexible Coverage: Customizable policies to suit individual needs. Their wide range of options allows for tailored insurance solutions, positioning them as a strong choice for the best Erie, Pennsylvania auto insurance. Read more through our Liberty Mutual auto insurance review.
Cons
- Higher Premiums: Some customers may find premiums higher compared to other insurers. This can be a drawback for those seeking more affordable options, potentially impacting their overall ranking as the best Erie, Pennsylvania auto insurance.
- Inconsistent Customer Service: Service quality may vary depending on the region. This inconsistency can affect overall customer experience and their position as the best Erie, Pennsylvania auto insurance provider.
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#7 – Nationwide: Best for Deductible Options
Pros
- Flexible Deductible Options: Allows you to adjust deductibles to fit your budget. Their 9% bundling discount provides additional savings for combining policies, making them a notable choice for the best Erie, Pennsylvania auto insurance.
- Good Multi-Policy Discounts: Significant savings when bundling multiple types of insurance. Nationwide’s A+ rating from A.M. Best indicates strong financial stability, enhancing their reputation as one of the best Erie, Pennsylvania auto insurance providers. For more information, read our Nationwide auto insurance review.
- Customer-Focused Services: Offers personalized service and support. Nationwide’s comprehensive coverage options cater to diverse needs, contributing to their position as one of the best Erie, Pennsylvania auto insurance options.
Cons
- Higher Rates for Poor Credit: Premiums can be elevated for those with lower credit scores. This can make insurance more expensive for drivers with poor credit histories, affecting their ranking as the best Erie, Pennsylvania auto insurance.
- Limited Availability of Some Discounts: Not all discounts are available in every state. This can limit the potential savings you might receive, impacting their appeal as the best Erie, Pennsylvania auto insurance provider.
#8 – Progressive: Best for Flexible Discounts
Pros
- Flexible Discounts: Offers a range of discounts, including those for safe driving and bundling policies. Their 12% bundling discount helps reduce premiums when combining different types of insurance, making them a strong candidate for the best Erie, Pennsylvania auto insurance.
- Usage-Based Insurance Options: Provides options for usage-based insurance, which can lower premiums based on driving habits. This feature is particularly advantageous for those with good driving records, positioning them as a top choice for the best Erie, Pennsylvania auto insurance.
- Wide Range of Coverage Choices: Extensive options for customizing coverage to suit various needs. Progressive’s A+ rating from A.M. Best reflects their financial stability, enhancing their reputation as a leading provider of the best Erie, Pennsylvania auto insurance. Learn more in our Progressive auto insurance review.
Cons
- Potentially Higher Rates for High-Risk Drivers: Premiums may be higher for drivers with poor records or high-risk profiles. This can affect the overall affordability of their policies, impacting their appeal as the best Erie, Pennsylvania auto insurance.
- Customer Service Variability: Customer service quality can vary by location. Inconsistent experiences may affect overall satisfaction and their ranking as the best Erie, Pennsylvania auto insurance provider.
#9 – American Family: Best for Discount Variety
Pros
- Variety of Discounts: Offers a broad range of discounts, including those for safe driving and bundling policies. Their 8% bundling discount allows for added savings, making them a notable contender for the best Erie, Pennsylvania auto insurance.
- Strong Financial Backing: A rating from A.M. Best reflects good financial stability and reliability. This ensures they can handle claims effectively, reinforcing their reputation as a provider of the best Erie, Pennsylvania auto insurance. Learn more through American Family auto insurance review.
- Customizable Policies: Offers flexible coverage options to meet diverse needs. Their wide range of available add-ons and coverage types ensures they can cater to various preferences, enhancing their position as one of the best Erie, Pennsylvania auto insurance options.
Cons
- Limited Discounts for High-Risk Drivers: Fewer discount opportunities for drivers with poor records. This limitation can make their policies less affordable for high-risk drivers, impacting their overall appeal as the best Erie, Pennsylvania auto insurance.
- Regional Variability: Some benefits and discounts may vary by region. This can affect the overall value of their policies depending on where you live, potentially impacting their standing as the best Erie, Pennsylvania auto insurance provider.
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#10 – Auto-Owners: Best for Local Focus
Pros
- Local Focus and Personalized Service: Known for strong local agent relationships and personalized service. Their 19% bundling discount enhances savings when combining policies, making them a strong choice for the best Erie, Pennsylvania auto insurance.
- Comprehensive Coverage Options: Provides a wide range of coverage choices and add-ons. Auto-Owners’ A++ rating from A.M. Best highlights their financial strength and reliability, reinforcing their status as a leading provider of the best Erie, Pennsylvania auto insurance.
- Excellent Customer Service: Highly rated for customer satisfaction and support. Their focus on local service ensures personalized assistance, contributing to their reputation as one of the best Erie, Pennsylvania auto insurance providers. Read more through our Auto-Owners auto insurance review.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for drivers with certain risk profiles. This can impact affordability for high-risk drivers, affecting their overall standing as the best Erie, Pennsylvania auto insurance.
- Limited Availability in Some Areas: Not all discounts and coverage options are available nationwide. This can limit the benefits available to some policyholders, potentially affecting their overall ranking as the best Erie, Pennsylvania auto insurance provider.
Influence of Age, Gender, and Marital Status to Cheap Erie, Pennsylvania Auto Insurance
In Erie, Pennsylvania, the price of auto insurance is heavily impacted by factors like age, gender, and marital status. Knowing how much car insurance you need and require means understanding these demographic elements, as they can influence your premiums.
Erie, Pennsylvania Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $75 $160
American Family $69 $152
Auto-Owners $71 $157
Farmers $70 $150
Liberty Mutual $72 $155
Nationwide $67 $150
Progressive $66 $148
State Farm $65 $140
Travelers $68 $145
USAA $60 $135
For example, younger drivers, especially those under 25, often encounter higher premiums because they are considered higher risk. On the other hand, older drivers may enjoy lower rates, as they typically have fewer accidents and more driving experience.
Gender also affects rates, with male drivers often paying more than female drivers due to differences in driving behavior and accident rates. Additionally, marital status impacts insurance costs, with married individuals generally receiving lower premiums compared to single drivers.
Erie, Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Provider
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $264 | $272 | $134 | $140 | $108 | $112 | $96 | $98 |
| Farmers | $274 | $282 | $138 | $144 | $110 | $114 | $98 | $100 |
| Geico | $248 | $260 | $128 | $134 | $111 | $115 | $99 | $101 |
| Liberty Mutual | $272 | $280 | $136 | $142 | $114 | $118 | $102 | $104 |
| Nationwide | $234 | $242 | $126 | $132 | $104 | $108 | $92 | $94 |
| Progressive | $261 | $269 | $133 | $139 | $110 | $114 | $98 | $100 |
| State Farm | $230 | $238 | $124 | $130 | $101 | $105 | $89 | $91 |
| Travelers | $252 | $260 | $132 | $138 | $109 | $113 | $97 | $99 |
| USAA | $122 | $130 | $106 | $110 | $94 | $98 | $84 | $86 |
This is because married drivers are statistically less likely to be involved in accidents, prompting insurers to offer them more favorable rates. By understanding these factors, Erie residents can better assess how much car insurance they need and make more informed choices when shopping for coverage.
Cheap Erie, Pennsylvania Auto Insurance by Driving Record
Driving records significantly influence types of auto insurance rates in Erie, Pennsylvania. Those with a poor driving record, which might include multiple accidents or traffic violations, often face substantially higher insurance premiums compared to drivers with a clean record.
In Erie, Pennsylvania, annual auto insurance rates can vary widely based on this factor. For instance, drivers with a history of infractions or claims might see their premiums increase significantly, reflecting the higher risk perceived by insurance providers.
Conversely, individuals with a clean driving record benefit from lower annual rates, as they are considered less risky and more reliable by insurers. This disparity underscores the importance of maintaining a clean driving history to secure more affordable auto insurance in Erie. Enter your ZIP code now to begin.
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Cheap Erie, Pennsylvania Auto Insurance by Credit History
In Erie, Pennsylvania, credit history plays a significant role in determining the cost of auto insurance. Insurers often use credit scores as a key factor in assessing risk and setting premiums.
Generally, individuals with higher credit scores may benefit from lower annual auto insurance rates, as they are perceived as less risky to insure. This highlights one of the benefits of auto insurance: maintaining a good credit score can help you secure more favorable insurance rates.
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Conversely, those with lower credit scores might face higher premiums due to the increased risk associated with their credit history.
By examining annual auto insurance rates in Erie across different credit score ranges, you can gain insight into how much your credit history might influence your insurance costs.
Understanding this relationship can help you make more informed decisions about managing your credit and shopping for affordable auto insurance in the area.
Compare Erie, Pennsylvania Auto Insurance Quotes
When shopping for auto insurance in Erie, Pennsylvania, it’s crucial to compare rates from multiple insurance providers to ensure you get the best coverage at the most competitive price.
Insurance rates can vary significantly between companies due to various factors affecting auto insurance rates, including your driving history, location, and the type of coverage you select.
This process will help you identify the most affordable options that meet your coverage needs, potentially saving you money while ensuring you have the protection you require.
Taking the time to gather and compare these quotes can lead to better-informed decisions and a more tailored insurance plan for your specific situation. By entering your ZIP code and obtaining free auto insurance quotes, you can easily compare different policies and their associated costs.
Frequently Asked Questions
What is Erie, PA Auto Insurance?
Erie, PA Auto Insurance refers to the automobile insurance policies offered by Erie Insurance Group specifically designed for residents of Erie, Pennsylvania.
These policies provide coverage for vehicles, drivers, and potential liabilities in case of accidents or other incidents involving insured vehicles.
What types of auto insurance coverage does Erie offer in Pennsylvania?
Erie Insurance offers a range of auto insurance coverage options in Pennsylvania, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and rental car reimbursement.
They also offer additional optional coverages such as roadside assistance, pet coverage, and personal item coverage. Enter your ZIP code now to begin.
What does liability coverage in Erie, PA Auto Insurance entail?
Liability coverage in Erie, PA Auto Insurance protects you financially if you’re found responsible for causing an accident.
It includes two main components: bodily injury liability insurance, which covers medical expenses and other costs associated with injuries to others, and property damage liability, which covers the costs of repairing or replacing other people’s property damaged in an accident you caused.
What is collision coverage, and should I consider adding it to my Erie auto insurance policy?
Collision coverage is an optional coverage that pays for the repairs or replacement of your vehicle if it is damaged in a collision, regardless of who is at fault.
Adding collision coverage to your Erie auto insurance policy can provide extra financial protection and peace of mind, especially if you have a newer or more valuable vehicle.
Can I get Erie auto insurance if I have a poor driving record or previous accidents?
While eligibility requirements may vary, Erie Insurance generally provides auto insurance coverage to drivers with various driving records, including those with previous accidents or violations.
However, it’s important to note that having a poor driving record might result in higher premiums compared to drivers with clean records. Enter your ZIP code now to begin.
Does Erie Insurance offer any discounts on auto insurance in Pennsylvania?
Yes, Erie Insurance offers various discounts on auto insurance in Pennsylvania.
These discounts may include multi-policy discounts for bundling multiple insurance policies, safe driver discounts, vehicle safety feature discounts, good student auto insurance discounts, and discounts for completing approved driver safety courses.
Contact an Erie Insurance agent or visit their website for specific details on available discounts.
How can I obtain a quote for Erie auto insurance in Erie, PA?
To obtain a quote for Erie auto insurance in Erie, PA, you can contact an Erie Insurance agent directly or visit the Erie Insurance website.
Provide the necessary information about yourself, your vehicle, and your desired coverage, and they will provide you with a personalized quote based on your specific needs and circumstances.
What types of discounts does Progressive offer that contribute to its ranking as one of the best Erie, Pennsylvania auto insurance providers?
Progressive is known for its flexible discounts, including those for safe driving and multiple policies. These discounts make it an attractive option for finding the best Erie, Pennsylvania auto insurance. Enter your ZIP code now to begin.
How does Auto-Owners’ local focus and personalized service enhance its reputation for the best Erie, Pennsylvania auto insurance?
Auto-Owners provides a strong local focus, offering personalized service and building close relationships with its customers.
This approach not only contributes to its reputation as a top provider of the best Erie, Pennsylvania auto insurance but also enhances opportunities for getting a good driver auto insurance discount.
By emphasizing individual driving habits and maintaining a high level of customer engagement, Auto-Owners can tailor discounts that reward safe driving practices.
What factors contribute to American Family’s positive customer reviews and its standing as a top choice for the best Erie, Pennsylvania auto insurance?
American Family stands out for its variety of discounts and comprehensive coverage options, which appeal to a broad range of drivers.
These factors, along with its strong customer service, help it secure a position as one of the best Erie, Pennsylvania auto insurance providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
