Cheapest Car Insurance Companies in Erie, Pennsylvania (2022)

Erie Insurance is the cheapest car insurance company in Erie at $94 a month for full coverage. Compare quotes to get your best rate.

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Key Takeaways

  • Erie is the cheapest auto insurance company in Erie for most drivers and coverage amounts.
  • Allstate has the cheapest car insurance for Erie drivers with a DUI on their records.
  • Car insurance rates in Erie are cheaper than the state averages for minimum coverage ($62 a month vs. $83) and full coverage ($145 vs. $184).

In this article

The cheapest car insurance companies in Erie, Pennsylvania

Erie Insurance is the cheapest car insurance company in Erie, Pennsylvania, for almost all driver and coverage types, according to our survey of the city’s top providers.

Erie has the cheapest rates for:

  • Adults with clean driving records
  • Adults with a speeding ticket or accident on their records
  • Senior drivers
  • Young drivers

Allstate has the cheapest car insurance rates in Erie for drivers with a DUI on their records.

To find the best and cheapest rates for your needs, compare auto insurance quotes from several companies.

Pennsylvania car insurance minimums

Pennsylvania law requires drivers in Erie and elsewhere in the state to have 15/30/5 car insurance, at a minimum. This means all policies need at least:

  • $15,000 of bodily injury liability coverage per person
  • $30,000 of bodily injury liability coverage per accident
  • $5,000 of property damage liability coverage

Drivers in Pennsylvania also need at least $5,000 in medical payments coverage.

If you financed or leased your vehicle, you also may need collision and/or comprehensive car insurance coverage.

Cheapest minimum-coverage auto insurance rates in Erie: Erie

Erie has the cheapest car insurance for drivers who want state-minimum coverage, charging an average rate of $36 a month.

The average cost of minimum-coverage car insurance in Erie is $62 a month.

State Farm, Nationwide, USAA and Allstate all offer average rates for minimum coverage that are lower than the state average.

Insurance company Monthly rate
Erie $36
State Farm $54
Nationwide $54
USAA $57
Allstate $59
City average $62
Progressive $69
GEICO $106
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

Minimum-coverage car insurance matches the state’s requirements for liability coverage. Liability coverage pays for injuries and property damage you cause to others. It won’t cover your own medical bills or vehicle repairs.

Cheapest full-coverage auto insurance rates in Erie: Erie

Erie has the cheapest car insurance rate for drivers who want full-coverage policies at $94 a month, on average.

The average cost of full-coverage car insurance in Erie is $145 a month.

Insurance company Monthly rate
Erie $94
Nationwide $131
Allstate $133
State Farm $134
USAA $136
City average $145
Progressive $157
GEICO $230
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record.

Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. Although Pennsylvania law doesn’t require full coverage, you should consider getting it anyway if your vehicle is new or expensive. Otherwise, you might need to pay high out-of-pocket costs if you file a claim for damage done to your vehicle.

Find cheap car insurance in Erie, Pennsylvania

Cheapest car insurance for drivers with a prior incident

Erie has the cheapest auto insurance for drivers with a speeding ticket or accident on their records. Allstate has the city’s cheapest rates for drivers with a DUI.

Cheapest for drivers with a speeding ticket: Erie

We found the cheapest car insurance rates for drivers with a speeding ticket from Erie, which charges an average $102 a month for full-coverage policies.

On average, drivers who have a speeding ticket pay 11% more for car insurance in Erie than they would if they had clean driving records.

Insurance company Monthly rate
Erie $102
Allstate $133
State Farm $134
USAA $152
Nationwide $153
Progressive $157
City average $161
GEICO $295
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.

Cheapest for drivers with an at-fault accident: Erie

The cheapest car insurance rates for drivers with an at-fault accident can be found at Erie, which charges $102 a month, on average.

Drivers with an at-fault accident pay 48% more for car insurance in Erie than they would if they had clean driving records.

Insurance company Monthly rate
Erie $102
Allstate $175
State Farm $183
USAA $197
City average $214
Nationwide $220
Progressive $236
GEICO $388
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record.

Cheapest for drivers with a DUI: Allstate

Allstate is the cheapest car insurance company in Erie for drivers with a DUI on their records, charging an average rate of $133 a month.

Insurance company Monthly rate
Allstate $133
Erie $151
Nationwide $153
Progressive $177
USAA $182
City average $213
State Farm $250
GEICO $447
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.

Erie drivers with a DUI pay 47% higher rates for car insurance than they would if they had clean driving records.

Cheapest car insurance for senior drivers: Erie

Erie has the cheapest auto insurance rates for senior drivers, charging an average $87 a month for full coverage.

The average cost of car insurance for senior drivers in Erie is $123 a month. Allstate, Nationwide and State Farm offer rates below the city average.

Insurance company Monthly rate
Erie $87
Allstate $109
Nationwide $111
State Farm $121
City average $123
USAA $125
Progressive $126
GEICO $181
Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record.

Get affordable auto insurance no matter your age

Cheapest car insurance for young drivers: Erie

For cheap car insurance as a young driver, go to Erie, which charges $83 a month for minimum coverage and $220 a month for full coverage.

Insurance company Minimum coverage Full coverage
Erie $83 $220
USAA $91 $233
Nationwide $156 $384
State Farm $184 $470
GEICO $192 $462
City average $200 $487
Progressive $205 $494
Allstate $486 $1,149
Rates are for an 18-year-old male with a clean driving record.

Young drivers in Erie pay over 200% higher rates for car insurance than do 35-year-old drivers. Erie drivers only pay about 130% more than their older counterparts.

Young drivers pay such high car insurance rates because they’re more likely to be involved in accidents than are more experienced drivers.

Car insurance laws in Erie, Pennsylvania

No-fault insurance

Pennsylvania is a "choice" no-fault car insurance state. This means you can choose between limited-tort and full-tort insurance when buying a policy.

A limited-tort policy costs less than a full-tort policy but restricts your ability to sue an at-fault driver who injures you in a car accident. Full-tort policies don’t have these restrictions.

Erie car insurance FAQ

Who has the cheapest car insurance in Erie, Pennsylvania?

Erie has the cheapest car insurance in its namesake city, charging $36 a month for minimum coverage and $94 a month for full coverage.

If you have a DUI on your driving record, you’ll find the cheapest rates from Allstate at $133 a month.

What is the average cost of car insurance in Erie?

The average cost of car insurance in Erie is $104 a month. For minimum-coverage car insurance, the average cost is $62 a month. The average cost for full-coverage car insurance is $145 a month.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Erie ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Pennsylvania’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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