Best Auto Insurance Rates in Erie, Pennsylvania

On average, your neighbors pay $73 a month.

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Erie, Pennsylvania, is a large city that offers residents and visitors a variety of attractions and things to do. Its many sports teams are a perfect example. Though most are not on the major league platforms, they still provide tons of entertainment.

Whether it’s watching the Erie Seawolves hitting home runs or the Erie Explosion or Illusion scoring touchdowns, people here have many options. Just as you should have options when it comes to finding cheap car insurance rates.

Average Erie Car Insurance Rates

How much is car insurance in Erie, PA? You won't be surprised to learn that rates here are expensive. Many Erie drivers pay much more for coverage than the state and national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national average price is $889.01.

Prices vary depending on several factors. These include your driving record, claims history, your car make and model, and more.

Pennsylvania Average Annual Car Insurance Rates
Coverage Rates
Liability $499.06
Collision $327.24
Comprehensive $144.21
Total Cost Per Year $878.18
Price Per Month $73.18
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

Pennsylvania average car insurance rates

Using QuoteWizard, you can compare quotes from top insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Erie, Pennsylvania and save up to 40% on your premium.

Last year, 1,756 people used QuoteWizard to compare car insurance quotes in Erie, PA from multiple companies.

Best Car Insurance Companies in Erie, PA

These were the most common car insurance companies reported by QuoteWizard users living in Erie last year. Out of those 1,756 people, 74 were uninsured.

Other popular Erie, Pennsylvania, car insurance companies: AIG, USAA, Travelers, Hartford, Country Financial, Amica, Safeco, and MetLife.

Top 10 Vehicles

These are the most common car makes and models owned by Erie drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/DX
  2. Chevrolet Impala
  3. Ford F150
  4. Hyundai Sonata GLS
  5. Ford Escape XLT
  6. Chevrolet Cavalier
  7. Chevrolet Malibu
  8. Chevrolet Blazer
  9. Ford Focus SE
  10. Honda CR-V EX
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Minimum Car Insurance Requirements in Erie, PA

Erie, Pennsylvania, has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your provider will pay for property damage caused by a car accident.
  • Medical Payments: $5,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident, regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Erie drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

People in Erie, PA enjoy a warm climate and little to no dry season. In fact, the city sees an equal amount of sunny and rainy days throughout a typical year. On average it experience 157 days with sun or partial sunshine annually. It also experiences around 160 days with some sort of precipitation. Winters here can be severe, and Erie gets about 77 inches of snow each year.

Road Conditions

According to TRIP, 37 percent of the major roads in Pennsylvania are in poor or mediocre condition. Another 21 percent are in fair condition. These pothole-filled streets costs drivers in Pennsylvania $3 billion a year in extra vehicle operating costs. Rough roads can damage cars and can play a role in car accidents.

If you would like to report a pothole problem in your area, call 1-800-FIX-ROAD.

Traffic Congestion

According to Inrix, Erie ranks 223rd in the US for traffic congestion. Each commuter in this area spends nine hours every year stuck in traffic. On top of the extra vehicle operating costs for poorly maintained roads, the city’s commuters spend an extra $419 per commuter in congestion costs.

Moving Violations

Moving violations like drunk driving, accidents, and speeding tickets will make you a high-risk driver with a bad driving record and higher insurance rates.

Traffic Tickets

The Pennsylvania ePay website allows drivers to pay fines or fees to any county court.

Last year, Erie Police Department made 4,171 traffic contacts. They issued 1,139 traffic citations, with the other 3,032 contacts being warnings.

DUI Arrests

Erie PD arrested 86 drivers for suspicion of driving under the influence in 2015. That’s a 2 percent increase from the 84 drivers arrested in 2014. The amount of DUI arrests in Erie has more than doubled in the last five years. 

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Erie DUI insurance.

DWI Crashes and Injuries

Erie reported 106 crashes involving alcohol or drugs in 2017. These accidents caused 51 injuries but no fatalities.

Car Accident Statistics

Erie officials reported 1,160 car crashes in 2017. These crashes resulted in 563 injuries, 31 of them serious.

Car Accident Fatalities

Erie reported four car accident fatalities in 2017. All traffic deaths are a tragic loss, and considering the estimated population of 97,369, Erie, PA is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Erie officials reported 108 motor vehicle thefts in 2017. That’s a theft rate of 1.11 per 1,000 residents. This is well below the national average theft rate of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Erie, PA.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  3. Take a defensive driving course from an accredited driving safety school
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Install anti-theft devices or a car alarm system
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes

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