Auto Insurance

You love your car - the make, model and color. Find out how we can help protect it. And if you have a motorcycle, snowmobile, RV or ATV, we can cover that, too. 
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OUR COVERAGE

We strive to exceed your expectations and provide service with a human touch.

Here are just a few extras that are available with every Erie Insurance auto policy.

 

Built-In Extras

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.)

OPTIONAL

Personal item coverage

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

OPTIONAL

Windshield repair

If a damaged windshield can be fixed rather than replaced, you won't have to pay your comprehensive deductible.

 

OPTIONAL

Rental car expenses

Rental car expense coverage is included with comprehensive coverage and can be added easily to collision coverage.

OPTIONAL

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 physical damage coverage.

ADDITIONAL 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.
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Collision
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 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.

Liability
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.

Comprehensive
Foul Balls?

When life throws you a curveball, comprehensive 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. 

 

Our Agents


We have more than 12,100 agents dedicated to helping you choose coverage that’s right for you.


Shirt

Licensed Professionals

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

Location Marker

Local presence

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

Mobile

Claims assistance

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

ERIE Rate Lock®

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 New York customers.

Discounts
Start with competitive prices and then add more ways to save.
20%
A typical multi-policy discount is around 20%. There may be differences by state.
ERIE offers multi-policy discounts from 14% to 30%, 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*
If you’re a safe driver with a good driving record, you could get a discount on your auto coverage.
If we insure two or more of your cars, you could qualify for a discount. (All the vehicles in your household must be owned and used by the driver we insure.)
If you’re not using your car for at least 90 consecutive days during the policy period, you could be eligible for a discount. (Not available in Kentucky.)
You can save on your insurance coverage if your car is equipped with safety equipment like factory-installed air bags, anti-theft devices and antilock brakes. (Not available in Kentucky.)
You can save by paying your auto premium in one lump sum.
A discount is available if you have a qualifying life insurance policy or home policy in addition to your ERIE auto insurance. (Not available in New York.)
Unmarried drivers under 21 who reside with their parents could be eligible for additional savings. (Not available in North Carolina.)
*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.

COMPARE

We believe that the
proof is in the policy.1

 

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, you can expand your auto coverage for just pennies a day. (Great buy, especially if you own several cars.) Stand-alone feature with per vehicle fees.
COVERAGE OPTIONS
Transportation Expense

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

 A daily dollar limit and the payment ends upon the settlement.
Road Service
 Yes, reasonable towing and required labor costs at the site where your car breaks down.5 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.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 (24 months+) is totaled, it can cover the balance of an auto loan (but not carry-over balances), or it can replace an older car with a vehicle two years newer.6 Limited. The coverage replaces your older car with a vehicle just one model year newer. ERIE replaces with a model two years newer.
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.
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.
 


1This 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.

2Available 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.

3Coverage 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.Diminishing deductible is not available in North Carolina.

4The five 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.

5Limitations apply in North Carolina and Virginia.

6Not available in North Carolina.

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