Auto Insurance
CAR INSURANCE COVERAGES AND REVIEWS
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Accidents Happen
Collision insurance covers your car or truck when it's in an accident with another vehicle. It also covers you when you hit an object like a tree or a pole that’s not covered under comprehensive car insurance.
DID YOU KNOW?
When you give permission to a friend or relative to borrow your car and they get in a fender bender, your auto policy could provide coverage. Ask an agent how ERIE’s auto policy can help protect you.
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LIABILITY MISHAPS
Liability insurance helps protect drivers when they’re responsible for an accident that injures other people or damages other people’s property. Drivers are required to have this coverage 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. Ask an agent about ERIE’s personal catastrophe liability policy.
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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
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
You can count on our agents to help you make good decisions about your insurance protection.
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.
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
If you’re a safe driver with a good driving record, you could get a discount on your auto coverage5.
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 policy1 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 insurance2.
Young drivers
Unmarried drivers under 21 who reside with their parents may be eligible for additional savings on their car insurance3.
Annual payment plan
You can save by paying your auto premium in one lump sum.
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1
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.
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2
Not available in Kentucky.
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3
Not available in North Carolina.
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4
Not available in North Carolina or Kentucky.
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5
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 |
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ERIE Rate Lock |
Yes. Learn more about our ERIE Rate Lock option. |
No. |
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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. |
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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. |
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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. |
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COVERAGE OPTIONS |
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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. |
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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. |
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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. |
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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. |
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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. |
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VEHICLE OPTIONS |
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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. |
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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. |
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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
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 Forgiveness2
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 $500.3
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
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
Roadside Service
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
Typically, only up to a certain dollar amount.
Pricing And Deductible Options
New Car Protection
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
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
Better Car Protection
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
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
Ridesharing
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
Maybe. Coverage may be available with additional purchase.
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.
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1
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.
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2
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.
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3
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.
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4
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.
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5
Limitations apply in North Carolina and Virginia.
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6
Not available in North Carolina or New York.
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7
Not available in all states.
AUTO INSURANCE QUOTE
Find out if ERIE is right for you. Get a car insurance quote today. An agent will be in touch.