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Auto Insurance

CAR INSURANCE COVERAGES AND REVIEWS

Car Coverage Explained

Car Coverage Explained

Learn about included benefits and how you can customize your auto coverage.

Auto Coverage by State

Auto Coverage by State

Learn more about the specific requirements for auto insurance in your state.

Auto Insurance Reviews

Auto Insurance Reviews

Learn why more than 90% stay with us year after year.

Accidents Happen

Collision insurance covers your vehicle after an accident with another vehicle, or if you hit an object like a tree or a pole that’s not covered under comprehensive car insurance.

DID YOU KNOW?

When you let a friend or relative borrow your car and they get in a fender bender, your auto policy could provide coverage.  

LIABILITY MISHAPS

Liability insurance helps protect you when you’re responsible for an accident that injures other people or damages someone's property. Liability is required in nearly every state.

DID YOU KNOW?

An umbrella policy gives you an extra layer of protection over and above the limits in an auto, home or boat policy in case you’re sued or responsible for an accident.   

FOUL BALLS?

When life throws you a curveball, comprehensive car insurance covers damage to your vehicle that’s not caused by a collision, such as fire, theft or when you hit a deer.

DID YOU KNOW?

ERIE’s auto policy covers windshield and glass repairs as part of our comprehensive coverage. Even better, most glass damage can be fixed at a location that’s convenient to you like your home or workplace. 

THE ERIE DIFFERENCE

Our auto policy includes everything you’d expect, plus lots of other things to pick from.

Pet coverage

If your pet gets hurt in an accident while riding in your car, we'll help cover vet treatment costs. (Up to $500 per pet; total limit $1,000.)

Roadside & Rentals bundle

Roadside & Rentals bundle

You'll be taken care of in a roadside emergency and when you need more robust rental car coverage.

Personal item coverage

With physical damage coverage, we’ll help cover loss to clothing, luggage and personal belongings that are inside a car that we insure (up to $350).

Auto glass repair

Comprehensive Coverage from ERIE includes Glass Repair, which waives the deductible for repairs. For a minimal cost, you can add Full Window Glass, which waives the deductible regardless of repair or replacement. Both options provide new wiper blades in the event that your windshield is replaced.

Locksmith services

When you accidentally lock your keys in your car, we’ll cover the locksmith costs up to $75. It’s part of our comprehensive coverage.

ERIE Auto Plus®

You can boost your coverage for pennies a day with features that you’ll be glad to have if you ever have a car accident.

Not all coverages and benefits are offered in base policy or apply to all states. Some policy extras require additional purchase. Terms, conditions, limitations and exclusions apply; talk to an ERIE agent or see the policy for details.

More information on ERIE Auto Plus can be found here.

OUR AGENTS

We have more than 13,000 agents dedicated to helping you choose coverage that’s right for you.

Licensed Professionals

Licensed Professionals

You can count on our agents to help you make good decisions about your insurance protection.

Local Presence

Local Presence

Our agents have offices in your neighborhood and are a part of your community.

Claims Assistance

Claims Assistance

You might be uneasy about starting a claim, but our agents will guide you through the claims process.

YourTurn® by Erie Insurance

Learn how you can become a safer driver and have the chance to earn some great rewards with YourTurn®.

ERIE RATE LOCK®

Car insurance rates are bound to rise.

Except yours.

You stay in control.  No surprises.

With the ERIE Rate Lock® feature, your rates will only change if you add or remove a vehicle or a driver or change the address where you keep your car parked routinely. Read more about ERIE Rate Lock® or ERIE Rate ProtectSM policy (for our New York customers).

Auto Insurance Discounts

Start with competitive prices and then add more ways to save.

ERIE offers multi-policy discounts from 16% to 25%, depending on your state, when you insure your auto and home with us.1

Ask about ERIE’s multi-policy discount and other discounts to see what you could save.

1Savings are based on individually purchased policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.

FEATURED WAYS TO SAVE ON CAR INSURANCE1

Safe driving discount

Safe driving discount

If you’re a safe driver with a good driving record, you could get a discount on your auto coverage5.

Car safety equipment discounts

Car safety equipment discounts

You can save on your insurance coverage if your car is equipped with safety equipment like factory-installed air bags, passive restraint4, anti-theft devices3 and anti-lock brakes.

Multi-car discount

Multi-car discount

If we insure two or more of your cars, you could qualify for a discount.

Multi-policy discount

Multi-policy discount

A discount is available if you have a qualifying life insurance policy1 or home policy in addition to your ERIE auto insurance.

Reduced usage discount

Reduced usage discount

If you’re not using your car for at least 90 consecutive days during the policy period, you could be eligible for a discount on your car insurance2.

Young drivers

Young drivers

Unmarried drivers under 21 who reside with their parents may be eligible for additional savings on their car insurance3.

Annual payment plan

Annual payment plan

You can save by paying your auto premium in one lump sum.

All discounts are subject to eligibility criteria and applicable rates and rules at the time of purchase. Actual savings vary. Life multi-policy discount is not available in conjunction with auto policies already taking advantage of ERIE Rate Lock®. Erie Family Life insurance products are not available in New York. For additional information, contact your local ERIE agent.

Not available in Kentucky.

Not available in North Carolina.

Not available in North Carolina or Kentucky.

Claims/Violation Free Discount.

COMPARE

We believe that the proof is in the car insurance policy.1 Take a look at how our auto coverage stacks up against a typical competitor.

Pricing And Deductible Options

TYPICAL ERIE AUTO POLICY

TYPICAL COMPETITOR POLICY

ERIE Rate Lock

Yes. Learn more about our ERIE Rate Lock option.

No.

First Accident Forgiveness2

Yes, no surcharge the first time you're at fault in an accident after you have been a customer for three years.

Costs extra.

Diminishing Deductible

Yes, reduced by $100 for each consecutive claims-free policy year, up to a maximum of $500.3

Sometimes available and costs extra.

Bundled Coverages

Yes, if you own several cars you can expand your auto coverage for just pennies a day.

Stand-alone feature with per vehicle fees.

COVERAGE OPTIONS

Transportation Expense/Rental Car Coverage

Yes, with comprehensive coverage. Additional days of coverage are available after settlement. Add it to collision coverage and pick from six classes of rental car options.4Read more about rental car expense coverage.

A daily dollar limit and the payment ends upon the settlement.

Roadside Service

Yes, reasonable towing and required labor costs at the site where your car breaks down. 5Learn more about emergency road service coverage.

Typically, only up to a certain dollar amount.

New Car Protection

Yes, If your new vehicle (up to 24 months old) is a total loss after an accident, it will be replaced with a new vehicle of the latest model year.6 Read more about new and used car replacement.

Limited. It may only be available for the first year after the vehicle is purchased. With ERIE, it’s up to two years.

Better Car Protection

Yes. If your car is totaled it can replace an older car with a vehicle two years newer.6 Plus, with Lease Loan Protection if your car (24 months+) is totaled, it can cover the balance of an auto loan (not including carry-over balances).

Limited. The coverage replaces your older car with a vehicle just one model year newer. ERIE replaces with a model two years newer.

Ridesharing

Yes. This optional, low-cost add-on provides secondary coverage when you use your private vehicle with a transportation network company, such as Uber and Lyft.7 Learn more about ridesharing coverage.

Maybe. Coverage may be available with additional purchase.

VEHICLE OPTIONS

Additional/Replacement Autos or Trailers

Yes, automatic coverage to the end of policy period on the owned vehicles that we insure.

Usually limited to only 30 days.

Motorcycles and Other Miscellaneous Vehicles

Yes. When you insure a miscellaneous vehicle like a motorcycle with us and you buy a second one (has to be a similar type), automatic coverage applies to the end of the policy period.

Usually limited to only 30 days.

Coverage for Non-owned Autos

Yes, covers cars, moving vans (used for personal use), trailers or temporary substitutes.

Usually doesn't include moving vans.

Pricing And Deductible Options

Pricing And Deductible Options

ERIE Rate Lock

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes. Learn more about our ERIE Rate Lock option.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

No.

Pricing And Deductible Options

Pricing And Deductible Options

First Accident Forgiveness2

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes, no surcharge the first time you're at fault in an accident after you have been a customer for three years.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Costs extra.

Pricing And Deductible Options

Pricing And Deductible Options

Diminishing Deductible

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes, reduced by $100 for each consecutive claims-free policy year, up to a maximum of $500.3

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Sometimes available and costs extra.

Pricing And Deductible Options

Pricing And Deductible Options

Bundled Coverages

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes, if you own several cars you can expand your auto coverage for just pennies a day.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Stand-alone feature with per vehicle fees.

COVERAGE OPTIONS

COVERAGE OPTIONS

Pricing And Deductible Options

Transportation Expense/Rental Car Coverage

TYPICAL ERIE AUTO POLICY

Yes, with comprehensive coverage. Additional days of coverage are available after settlement. Add it to collision coverage and pick from six classes of rental car options.4Read more about rental car expense coverage.

TYPICAL COMPETITOR POLICY

A daily dollar limit and the payment ends upon the settlement.

Pricing And Deductible Options

Pricing And Deductible Options

Roadside Service

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes, reasonable towing and required labor costs at the site where your car breaks down. 5Learn more about emergency road service coverage.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Typically, only up to a certain dollar amount.

Pricing And Deductible Options

Pricing And Deductible Options

New Car Protection

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes, If your new vehicle (up to 24 months old) is a total loss after an accident, it will be replaced with a new vehicle of the latest model year.6 Read more about new and used car replacement.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Limited. It may only be available for the first year after the vehicle is purchased. With ERIE, it’s up to two years.

Pricing And Deductible Options

Pricing And Deductible Options

Better Car Protection

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes. If your car is totaled it can replace an older car with a vehicle two years newer.6 Plus, with Lease Loan Protection if your car (24 months+) is totaled, it can cover the balance of an auto loan (not including carry-over balances).

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Limited. The coverage replaces your older car with a vehicle just one model year newer. ERIE replaces with a model two years newer.

Pricing And Deductible Options

Pricing And Deductible Options

Ridesharing

TYPICAL ERIE AUTO POLICY

TYPICAL ERIE AUTO POLICY

Yes. This optional, low-cost add-on provides secondary coverage when you use your private vehicle with a transportation network company, such as Uber and Lyft.7 Learn more about ridesharing coverage.

TYPICAL COMPETITOR POLICY

TYPICAL COMPETITOR POLICY

Maybe. Coverage may be available with additional purchase.

VEHICLE OPTIONS

VEHICLE OPTIONS

Pricing And Deductible Options

Additional/Replacement Autos or Trailers

TYPICAL ERIE AUTO POLICY

Yes, automatic coverage to the end of policy period on the owned vehicles that we insure.

TYPICAL COMPETITOR POLICY

Usually limited to only 30 days.

Pricing And Deductible Options

Motorcycles and Other Miscellaneous Vehicles

TYPICAL ERIE AUTO POLICY

Yes. When you insure a miscellaneous vehicle like a motorcycle with us and you buy a second one (has to be a similar type), automatic coverage applies to the end of the policy period.

TYPICAL COMPETITOR POLICY

Usually limited to only 30 days.

Pricing And Deductible Options

Coverage for Non-owned Autos

TYPICAL ERIE AUTO POLICY

Yes, covers cars, moving vans (used for personal use), trailers or temporary substitutes.

TYPICAL COMPETITOR POLICY

Usually doesn't include moving vans.

This information is a summary and does not include all coverages and benefits that are available or apply to all states. Coverages, benefits, limits and deductibles may vary. Talk to an ERIE agent for state-specific policy information.

Available after the policyholder has been insured with ERIE for three years. Available immediately in North Carolina and with the ERIE Rate Protect policy in New York.

Coverage must be purchased to be added to an auto policy. The deductible is reduced by $100 for each claims-free year up to a maximum reduction of $500. In New York, comprehensive deductible cannot be reduced to less than $50 and collision deductible cannot be reduced to less than $100.

The six classes of rental car options are not available in Virginia and North Carolina. With transportation expenses, it is included in Virginia with comprehensive coverage and is optional with collision. In North Carolina, restrictions apply. Transportation expenses are only covered with vehicle theft claims. The limit is $15 per day and up to $450 per loss.

Limitations apply in North Carolina and Virginia.

Not available in North Carolina or New York.

Not available in all states.

See related stories fromour blog

What Determines the Price of My Auto Insurance?

Is Your New Car Covered Under Your Auto Insurance Policy?

Am I Covered When I Lend My Car to Friends or Family?

AUTO INSURANCE QUOTE

Find out if ERIE is right for you. Get a car insurance quote today. An agent will be in touch.

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About Erie

Erie Insurance Group has earned A.M. Best's rating of A+ (Superior). Erie Family Life Insurance Company has earned A.M. Best's rating of A (Excellent). A.M. Best is a respected provider of financial ratings for insurance organizations. Such rating refers only to the overall financial status and is not a recommendation of the company.

YourTurn® by Erie Insurance

When was the last time you got paid for doing the responsible stuff you do anyway? Doing the laundry, eating your veggies, or driving safely. Actually we can help with that last one with the free YourTurn app from Erie Insurance. You can earn rewards every two weeks just for driving responsibly. Redeem your rewards for gift cards for more than 25 of your favorite retailers. You can even choose to donate them to charity. Not only can YourTurn pay you for responsible driving, it's the perfect incentive for young drivers to stay off their phones, take it easy on the acceleration, and watch those hard turns. And if for some reason you or your teen driver end up a little short of the goal this month, no worries, your premium is never affected by YourTurn app data. So while we can't reward you for letting your daughter choose the radio station, we can at least pay you for avoiding the temptation to speed home. YourTurn from Erie Insurance-- talk to your ERIE agent to sign up and download the app today.

[MUSIC PLAYING]~~~~~~~~~~~~~ Erie Insurance Exchange, Erie Insurance Co., Erie Insurance Property & Casualty Co., Flagship City Insurance Co. and Erie Family Life Insurance Co. (Erie, PA) or Erie Insurance Co. of New York (Rochester, NY). Go to erieinsurance.com for company licensure and product details.

*Terms, conditions and exclusions apply. See your policy for details.