When you want affordable car coverage, Erie offers low insurance rates, even for younger drivers under 25.
Erie is our top choice for cheap coverage and for drivers under 25 due to its relatively low premiums and multiple discounts for young drivers. It’s an established insurance company with 25 field offices and more than 13,000 independent agents. However, its service area is limited; coverage is only available in Washington, D.C., and 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
Erie offers several types of car insurance:
- Bodily injury liability
- Property damage liability
- Uninsured or underinsured motorist coverage
- Roadside assistance
- Rental car expense coverage
- New car protection
- Motorcycle insurance
- Pet insurance
- Rideshare insurance
Policyholders can also add Erie Rate Lock and Erie Auto Plus, which provide exclusive perks like a waived or diminishing deductible, transportation expense reimbursement, and increased policy limits.
To help policyholders save, Erie offers eight car insurance discounts, including multi-policy discounts and discounts for payments made in full upfront. It’s easy for young drivers to save with Erie, as it offers special discounts if you’re unmarried and live with your parents, if you have parents who are Erie customers, or when you complete an approved driver training course.
While Erie does not have online chat or a suite of mobile tools, it offers 24/7 customer service available to help at any time, plus convenient online payments and claims filing. Quotes can be started online and finalized by one of the more than 13,000 agents available.
Erie is among the top insurers for customer satisfaction on J.D. Power’s 2023 U.S. Auto Claims Study, and it has a high AM Best rating, indicating financial stability. Erie has also received a lower-than-average amount of customer complaints, according to NAIC data.
Read our full Erie auto insurance review.