Our auto policy includes everything you'd expect and a lot of things you might not.
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.)
You'll be taken care of in a roadside emergency and when you need more robust rental car 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.)
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.
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.
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 or apply to all states. 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.
We have more than 13,000 agents dedicated to helping you choose coverage that’s right for you.
You can count on our agents to help you make good decisions about your insurance protection.
Our agents have offices in your neighborhood and are a part of your community.
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
Car insurance rates are bound to rise.
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).
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 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.
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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.
If we insure two or more of your cars, you could qualify for a 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.
Unmarried drivers under 21 who reside with their parents may be eligible for additional savings on their car insurance3.
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.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.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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