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Auto Insurance
Auto Insurance
Discover car insurance that fits the way you want to live. We’re here to protect the car you love. And if you have a motorcycle, snowmobile, RV or ATV, we can cover that, too.
Car Insurance coverages and reviews
Car coverage explained
Learn about included benefits and how you can customize your auto coverage.
Auto coverage by state
Learn more about the specific requirements for auto insurance in your state.
Auto insurance reviews
Learn why more than 90% stay with us year after year.
Accidents happen
Liability mishaps
Foul balls
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.
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.
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
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.
YourTurn® by Erie Insurance
Learn how you can become a safer driver and have the chance to earn some great rewards with YourTurn®.
Our agents
We have more than 13,000 agents dedicated to helping you choose coverage that's right for you..
Licensed Professionals
You can count on our agents to help you make good decisions about your insurance protections.
Local Presence
Our agents have offices in your neighborhood and are part of your community. Explore home insurance coverage by state.
Claims assistance
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
ERIE Rate Lock®
Car insurance rates are bound to rise.
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).
Discounts
Start with competitive prices, then add more ways to save.
A typical multi-policy discount is around 20%. There may be differences by state.
ERIE offers multi-policy discounts from 15% to 25%, depending on your state, when you insure your auto and home with us. Ask about ERIE’s multi-policy discount and other discounts to see what you could save.
Savings 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[1]
Safe driving discount
If you’re a safe driver with a good driving record, you could get a discount on your auto coverage.[5]
Car safety equipment discounts
Multi-car discount
If we insure two or more of your cars, you could qualify for a discount.
Multi-policy discount
A discount is available if you have a qualifying life insurance policy[1] or home policy in addition to your ERIE auto insurance.
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 insurance.[2]
Young drivers
Unmarried drivers under 21 who reside with their parents may be eligible for additional savings on their car insurance.[3]
Annual payment plan
You can save by paying your auto premium in one lump sum.
Compare
We believe that the proof is in the car insurance policy[6]. 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 |
|---|---|---|
PRICING AND DEDUCTIBLE OPTIONS ERIE Rate Lock | TYPICAL ERIE AUTO POLICY Yes. Learn more about our ERIE Rate Lock option. | TYPICAL COMPETITOR POLICY No. |
PRICING AND DEDUCTIBLE OPTIONS First Accident Forgiveness[7] | 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 Costs extra. |
PRICING AND DEDUCTIBLE OPTIONS Diminishing Deductible | TYPICAL ERIE AUTO POLICY Yes, reduced by $100 for each consecutive claims-free policy year, up to a maximum of $500.[8] | TYPICAL COMPETITOR POLICY Sometimes available and costs extra. |
PRICING AND DEDUCTIBLE OPTIONS Bundled Coverages | TYPICAL ERIE AUTO POLICY Yes, if you own several cars you can expand your auto coverage for just pennies a day. | TYPICAL COMPETITOR POLICY 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.[9] Read 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.[10] Learn 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.[11] 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.[11] 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.[12] 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. |
