Erie Auto Insurance

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Looking to learn about Erie Insurance? We’ve got you covered. Keep reading to find out about Erie's pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like Erie Insurance.

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
  • Nearly 5,000 employees based in the home office

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 people noted that although premiums are a bit high, the great customer service makes it worth it
    • The website overall had many high ratings (hardly any with two or less stars). Bot those unhappy with the company said it was because it was hard to reach them to settle claims
  • Better Business Bureau
    • Gave Erie an A+ rating, though it is not BBB accredited
    • The company's ages and quick response to complaints added to its high score

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

What Does a Policy Cost?

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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 (2019)

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 (2018)

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

The National Association of Insurance Commissioners (NAIC) said Erie 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 current 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. This free app helps you navigate Erie’s website from your mobile device. It’s geared for those with physical disabilities who have trouble using a mouse. The app has keyboard and mouse replacement options and aims to aid the disabled.

History

Erie Insurance was founded 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. At first, the company started out only offering auto insurance. But it later added fire insurance to its inventory in 194, followed by inland marine insurance in 1954.

The Pioneer HomeProtector Program was introduced as Erie’s first homeowners policy in the early 1960s. By the end of the decade the company had added life insurance, too. 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. Forbes Magazine called it one of America’s most trustworthy companies in 2014. In 2015, Erie celebrated having five million policies and its 90th year in business.

Claims Process

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

  1. The claims rep will then assess whether your incident is a simple or complex auto insurance loss. A simple loss is often settled fast, 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 monitor the claim’s progress 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

Sources