Erie Car Insurance Pricing 2026

Erie Insurance offers some of the most competitive auto insurance rates in the country. The average annual insurance premium with Erie is just $1,833, which is about 22 percent lower than the national average.

It’s worth noting that many factors can affect your individual insurance rates. The quote you receive from Erie may be higher or lower than the average premium, depending on your personal circumstances. Here are the average costs with Erie for various driver profiles and coverage levels:

Erie Insurance has several features that help it stand out from the competition. Some of these features may be available from a few other providers, while others are entirely unique to Erie.

ERIE Rate Lock

ERIE Rate Lock (sometimes called Erie SelectAuto, or Erie RateProtect in New York) helps drivers avoid rate increases. With Rate Lock, your rates won’t increase after a claim — although they may if you make certain changes to your policy, including adding or removing a driver or vehicle, or changing your address. Rate Lock is limited to three years for drivers in Virginia, and is not available in all states.

Diminishing Deductible

For each policy year that you don’t file a claim, your deductible will decrease by $100, up to a maximum decrease of $500. This means that if you have a $500 deductible, it could eventually go down to $0.

Erie Insurance has limited availability compared to many of its competitors. It offers car insurance policies in 12 states and Washington, D.C. Here are all of the locations where Erie auto insurance is available:

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

While Erie is available in all the above states, coverage and discount options vary. Contact a local agent to learn about policy options in your state.

You can cancel your auto insurance policy at any time without paying a fee. Erie doesn’t allow you to cancel it online, so you’ll need to contact your local agent. You can find your agent’s phone number by using this link on their website: https://www.erieinsurance.com/find-an-agent. You will need to provide a cancellation date to your agent and, if applicable, you’ll get a refund for your unused insurance premium.

Erie Insurance has nearly a century of business under its belt. Henry Orth Hirt and Oliver Grover Crawford founded the company in 1925 after working together at the Pennsylvania Indemnity Exchange. Their goal was to create an insurance company that emphasized customer service.

After its founding, it took less than a decade for Erie Insurance to venture outside of Pennsylvania. It started offering policies in Maryland in 1953 and soon expanded into other states.

Originally, Erie specialized in auto insurance, but in 1961, it introduced its first homeowners insurance policy. By 1967, the company was also offering life insurance policies. The company continued expanding regionally until 2014, when it expanded into its most recent state, Kentucky.

In the nearly 100 years since Hirt and Crawford founded it, Erie Insurance has gone from a small Pennsylvania insurance provider to a Fortune 500 company with more than 6,500 employees, 14,000 agents, and 7 million policies in effect.

Here are some more important numbers for Erie customers:

You can contact Erie Insurance using any of the contact methods listed above. Additionally, you can reach out to your local agent, which may result in faster service.

Erie Insurance isn’t available in every state, but it has plenty of perks for customers in the 12 locations where it offers policies. Some benefits policyholders can enjoy include below-average premiums and unique coverage options. If you’re interested in learning more, read our full Erie auto insurance review.