Auto Insurance · Editor review

Erie auto insurance review.

4.5/5· Reviewed by CarSavr editorsUpdated: June 29, 2026

Best for: Clean-record drivers inside Erie's 12-state + D.C. footprint who want a premium that stays put.

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

Avg annual premium · 2024 national avg

$1,340

A.M. Best rating

A+

Provider type

carrier

Coverage

12 states + D.C.

What we like

+Rate Lock: premium only changes when you move, add a car, or add a driver
+Clean-record premiums typically below market inside Erie's footprint
+J.D. Power 847 and a 0.35 NAIC complaint ratio (well below the 1.0 industry average)
+A+ (Superior) A.M. Best financial strength
+Sold through local independent agents

What we don't

−Auto policies available in only 12 states + D.C.
−Moving out of the footprint means switching carriers
−Agent-led buying process; less self-serve than GEICO or Progressive
−Fewer telematics options than the national direct writers

Editor's verdict

Erie is one of the strongest regional carriers in the country. Rate Lock keeps your premium flat until you move, add a vehicle, or add a driver, and clean-record pricing typically lands below market in its footprint. Customer-satisfaction and complaint data are both top-tier. The limit is geography: auto policies are only written in IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI and D.C.

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Erie Insurance FAQ

What is Erie Rate Lock?+

Rate Lock is an optional Erie feature that keeps your premium the same year to year. It only changes if you move, add or remove a vehicle, or add or remove a driver. Terms vary by state, so ask your agent how it applies to your policy.

Which states does Erie sell auto insurance in?+

Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and Washington, D.C.

Is Erie cheaper than State Farm?+

Often for clean-record drivers inside Erie's footprint, but not always. Price depends on your ZIP code, vehicle and driving history, so compare both quotes for the same coverage.

Can I buy Erie insurance online?+

You can start online, but Erie sells through independent agents, so a local agent usually finalizes the policy.

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Erie auto insurance by state

Prices change a lot from state to state. Pick yours to see Erie's estimated cost, local rules and cheaper alternatives.

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