Erie Car Insurance

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This profile will tell you everything you need to know about Erie Insurance. You’ll learn which states the company serves and where the company sits in terms of financial strength. We also provide sources that detail how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Erie Insurance handles its claims process. From there, you’ll have all the tools you need to decide whether Erie Insurance is the right insurance provider for you.

Best If

  • You want excellent customer service

Worst If

  • You want more affordable insurance premiums

By The Numbers

  • Erie Insurance has more than 5.2 million policies in effect for auto, home, and commercial insurance
  • More than 325,000 life/annuity/disability income policies
  • 2,175 agencies
  • Operates in 12 states and Washington, D.C.: States: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin
  • Approximately 4,995 employees based in the home office

Consumer Reviews

  • ExpertInsuranceReviews.com
    • Wrote that Erie does a wonderful job selling and serving policies
    • Also said that the company doesn’t come through in terms of offering a satisfying claims process
  • WalletHub.com
    • Gave Erie Insurance 4.5 out of 5 stars
    • Some consumers noted that although premiums are a bit high, the great customer service makes it worthwhile
    • The website overall had many high ratings (hardly any with two or less stars); however, consumers who were unsatisfied with the company said it was because it was difficult to reach them when they needed to settle a claim
  • Better Business Bureau
    • Gave Erie an A+ rating, though it is not BBB accredited
    • The company's length of time in business as well as ability to respond well to complaints contributed to its high score

 In the 2016 J.D. Power Study, Erie Insurance received an award for best customer satisfaction in the insurance industry with a high score of 853 out of 1000.

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
43
+8%
2015
40
2014
35
+84%
2013
19
--
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: N/A
  • Central: N/A
  • Florida: N/A
  • Mid-Atlantic: 829 — among the best
  • New England: N/A
  • New York: N/A
  • North Central: 810 — about average
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Among the best
Policy Offerings
Above average
Pricing
Among the best
Local Agent
Above average
Call Center Representativ
--
Insurer Website
--

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Above average
Appraisal
Average
Repair Process
Among the best
Rental Car Experience
Average
Settlement
Average
Source: J.D. Power

Financial Ratings

A+
A.M. Best
Superior rating; second-highest possible
--
Moody's
--
A
S&P's
Very strong credit; third-highest of 22 levels

Market Share

According to the National Association of Insurance Commissioners (NAIC), Erie Insurance had a market share of 1.01 percent in 2015. They also wrote $5.91 billion in Property and Casualty premiums. 

Typical Discounts

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount

Roadside Assistance

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743

Mobile Apps

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click here. 

History

Erie Insurance was established in 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania. After three years in business, Erie expanded to a second office in Pittsburgh, Pennsylvania. Initially, the company started out only offering automobile insurance, but then expanded its inventory in 1940 by adding fire insurance, followed by inland marine insurance in 1954. The Pioneer HomeProtector Program was introduced as Erie’s first homeowners policy in the early 1960s, and by the end of the decade the company had added life insurance as well. By 1977, Erie was the largest auto insurer in the state of Pennsylvania.

In the last five years, Erie Insurance has hit many milestones as a company. It was named one of the Top 40 Customer Service Champions by J.D. Power and Associates in 2011, and by Forbes Magazine as one of America’s most trustworthy companies in 2014. In 2015, Erie celebrated having five million policies in effect and being in business for 90 years.

Claims Process

To file a claim with Erie, click here.

Once you file a claim with Erie, several steps will follow:
Your claim is assigned a number and then presented to a claims representative.

1.The claims rep will then assess whether your incident is a simple auto insurance loss or a complex auto insurance loss. A simple loss is usually settled quickly, and entails a towed vehicle or windshield damage. A complex loss, however, can take a bit longer if other parties are involved. A liability adjuster will also be assigned to your claim to further assess the damages.

2. The claims adjuster or handler will proceed to check on the claim’s progress and do his/her best to ensure the process is quick and smooth.

Contact Information

Claims Site
Customer Service Site

Mailing Address:

Erie Insurance Group
100 Erie Insurance Place
Erie, PA 16530-1104

Customer Service Number: 1-800-458-0811