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Pennsylvania Auto Insurance

Erie Insurance's auto policy provides outstanding protection with loads of features at a great price.

The two cities that define Pennsylvania are located on opposite sides of the state. In the southeastern corner, Philadelphia is a living representation of American history. The Liberty Bell is an iconic landmark, along with other historic sites like Independence Hall. A few hundred miles away, Pittsburgh features a working-class feel but offers plenty of its own attractions. The Carnegie Science Center and The Andy Warhol Museum are just a couple of many great destinations. At Erie Insurance, we offer auto coverage for Pennsylvania drivers who can’t wait to get out and see their state.

Your Coverage Needs

Since 1925, ERIE has been providing drivers in Pennsylvania with auto insurance coverage that has dozens of extra auto policy features (many at no additional cost to you) and flexibility that lets you customize your auto policy to best fit your needs.

As a driver in Pennsylvania, you may need:

Pennsylvania Auto Insurance: Stacked and Unstacked

Stacking coverage allows you to increase the amount of uninsured or underinsured motorist coverage by the number of vehicles on your auto insurance policy.

If you select the stacked option in Pennsylvania, limits can be added together for each auto insured. For example, the stacked coverage limits are $15,000 per person and $30,000 per accident for each car you insure. If you owned two vehicles, then the stacked coverage is $30,000/$60,000. There is an additional cost to stack coverage.

If you select the unstacked option, the stated limits apply per accident regardless of the number of autos you insure. In the example above, the $15,000/$30,000 limits apply.

Reducing Your Premium

In addition to the coverage you need, ERIE also offers discounts to help reduce your rates.

  • Earn a discount with factory-installed safety features like anti-lock brakes, passive restraints and anti-theft devices.
  • Save when you insure multiple cars or have multiple policies with ERIE.
  • Earn a discount based on reduced usage or 100% farm use.
  • Save when you select a payment plan that offers savings.

In addition to these (and other) auto insurance discounts, ERIE offers discounts when you bundle your home, business, life insurance1 and annuity products. 

Affordable Car Insurance

Cheap auto insurance doesn’t have to mean poor protection and service. Erie Insurance provides affordable car insurance with plenty of opportunities to reduce and avoid increases to your car insurance costs while maintaining quality coverage—all from an insurer that’s recognized for customer service and financial stability.

Talk to a car insurance agent in Pennsylvania about these other ERIE products and how you might qualify for additional discounts.


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.

We are new to ERIE. We couldn’t be happier. It’s a nice balance of really nice, responsive people who are very knowledgeable and a good quality product at a reasonable price point.

Sue P.


Our pledge is to help protect your car from the hood to the hubcaps. Coverage from ERIE will also look after you, your passengers and the stuff in your car, too.

Local Presence

With over 455 agencies in your community, you're sure to find the right fit.

Expert Advice

An ERIE agent will get to know you and help you determine the right amount of coverage to suit your needs.

Claims Assistance

It can be a stressful time, but ERIE agents are there to help you through the claims process.

  • 1

    Not available in New York. 

    See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.

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Find out if ERIE is right for you. A Pennsylvania agent will be in touch.