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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.

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.

Local Presence

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

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.

Policy rates of a typical competitor increase over a 4 year period, while a policy with ERIE Rate Lock remains the same.

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.


A typical multi-policy discount is around 20%. There may be differences by state.

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

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

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

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

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

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.

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

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

1All 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.

2Not available in Kentucky.

3Not available in North Carolina.

4Not available in North Carolina or Kentucky.

5Claims/Violation Free Discount.


We believe that the proof is in the car insurance policy.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.4 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.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 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.

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.

4The 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.

5Limitations apply in North Carolina and Virginia.

6Not available in North Carolina or New York.

7Not available in all states.

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Car Insurance auto insurance ERIE’s auto insurance policy helps protect you against financial loss if you have a car accident. Erie Insurance