Erie, PA Auto Insurance (2024)
The average Erie, PA auto insurance rates are $346 per month. The minimum auto insurance in Erie is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Erie, Pennsylvania, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Erie is USAA
- The average commute length in Erie is 17.9 minutes
- Average auto insurance rates in Erie, PA for senior drivers are $2,071 per year
Erie, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Erie can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Erie, Pennsylvania, including driving record, credit, commute time, and more.
Compare auto insurance in Erie to other Pennsylvania cities, including Allen auto insurance rates, York auto insurance rates, and Bethlehem auto insurance rates to see how Erie, Pennsylvania auto insurance rates stack up.
Before you buy Erie, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Erie, Pennsylvania auto insurance quotes.
Minimum Auto Insurance in Erie, Pennsylvania
Erie, Pennsylvania auto insurance laws require that you have at least the Pennsylvania minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Erie, Pennsylvania.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Erie, Pennsylvania Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Erie, Pennsylvania are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,439 | $2,439 | $2,267 | $2,267 | $8,452 | $8,452 | $2,664 | $2,664 |
| Geico | $1,934 | $1,674 | $1,834 | $1,589 | $4,895 | $4,245 | $1,945 | $1,684 |
| Liberty Mutual | $4,009 | $4,009 | $3,675 | $3,675 | $11,667 | $11,667 | $5,083 | $5,083 |
| Nationwide | $1,876 | $1,876 | $1,779 | $1,779 | $5,314 | $5,314 | $2,106 | $2,106 |
| Progressive | $2,705 | $2,705 | $2,423 | $2,423 | $8,902 | $8,902 | $3,448 | $3,448 |
| State Farm | $1,844 | $1,844 | $1,637 | $1,637 | $6,749 | $6,749 | $2,043 | $2,043 |
| Travelers | $1,842 | $1,842 | $2,006 | $2,006 | $28,231 | $28,231 | $2,200 | $2,200 |
| USAA | $1,184 | $1,184 | $1,068 | $1,068 | $3,626 | $3,626 | $1,572 | $1,572 |
Cheap Erie, Pennsylvania Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Erie, Pennsylvania is a challenge. Take a look at the annual teen auto insurance rates in Erie, Pennsylvania.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,452 | $8,452 |
| Geico | $4,895 | $4,245 |
| Liberty Mutual | $11,667 | $11,667 |
| Nationwide | $5,314 | $5,314 |
| Progressive | $8,902 | $8,902 |
| State Farm | $6,749 | $6,749 |
| Travelers | $28,231 | $28,231 |
| USAA | $3,626 | $3,626 |
Cheap Erie, Pennsylvania Auto Insurance for Seniors
What are senior auto insurance rates in Erie, Pennsylvania? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,267 | $2,267 |
| Geico | $1,834 | $1,589 |
| Liberty Mutual | $3,675 | $3,675 |
| Nationwide | $1,779 | $1,779 |
| Progressive | $2,423 | $2,423 |
| State Farm | $1,637 | $1,637 |
| Travelers | $2,006 | $2,006 |
| USAA | $1,068 | $1,068 |
Cheap Erie, Pennsylvania Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Erie, Pennsylvania compared to the annual auto insurance rates with a clean record in Erie, Pennsylvania.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,781 | $4,478 | $3,781 | $3,781 |
| Geico | $1,827 | $3,114 | $2,441 | $2,518 |
| Liberty Mutual | $5,545 | $6,411 | $6,239 | $6,239 |
| Nationwide | $2,002 | $2,678 | $3,724 | $2,671 |
| Progressive | $3,952 | $5,497 | $4,070 | $3,960 |
| State Farm | $2,792 | $3,345 | $3,068 | $3,068 |
| Travelers | $6,040 | $8,645 | $10,949 | $8,645 |
| USAA | $1,497 | $2,073 | $2,208 | $1,673 |
Cheap Erie, Pennsylvania Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Erie, Pennsylvania is not easy. Compare the annual rates for DUI auto insurance in Erie, Pennsylvania to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,781 |
| Geico | $2,441 |
| Liberty Mutual | $6,239 |
| Nationwide | $3,724 |
| Progressive | $4,070 |
| State Farm | $3,068 |
| Travelers | $10,949 |
| USAA | $2,208 |
Cheap Erie, Pennsylvania Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Erie, Pennsylvania annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,045 | $3,777 | $3,045 |
| Geico | $3,713 | $2,093 | $1,618 |
| Liberty Mutual | $7,800 | $5,590 | $4,936 |
| Nationwide | $3,245 | $2,674 | $2,387 |
| Progressive | $5,770 | $4,067 | $3,271 |
| State Farm | $4,369 | $2,703 | $2,133 |
| Travelers | $9,299 | $8,433 | $7,977 |
| USAA | $2,323 | $1,731 | $1,534 |
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Cheap Erie, Pennsylvania Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Erie, Pennsylvania can vary. Compare the annual cost of auto insurance by ZIP code in Erie, Pennsylvania to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 16501 | $5,495 |
| 16502 | $5,455 |
| 16503 | $5,466 |
| 16504 | $5,231 |
| 16505 | $4,868 |
| 16506 | $4,842 |
| 16507 | $5,410 |
| 16508 | $4,966 |
| 16509 | $4,978 |
| 16510 | $5,215 |
| 16511 | $5,253 |
| 16515 | $5,470 |
| 16541 | $5,308 |
| 16546 | $5,226 |
| 16565 | $4,958 |
Cheap Erie, Pennsylvania Auto Insurance Rates By Commute
Commute length and annual mileage affect Erie, Pennsylvania auto insurance. Find the cheapest annual Erie, Pennsylvania auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,875 | $4,036 |
| Geico | $2,437 | $2,513 |
| Liberty Mutual | $5,953 | $6,264 |
| Nationwide | $2,769 | $2,769 |
| Progressive | $4,370 | $4,370 |
| State Farm | $2,977 | $3,160 |
| Travelers | $8,570 | $8,570 |
| USAA | $1,809 | $1,916 |
Cheap Erie, Pennsylvania Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Erie, Pennsylvania? Check out the comparison of annual Erie, Pennsylvania auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,736 | $3,988 | $4,143 |
| Geico | $2,259 | $2,502 | $2,663 |
| Liberty Mutual | $5,767 | $6,159 | $6,399 |
| Nationwide | $2,775 | $2,808 | $2,722 |
| Progressive | $3,955 | $4,410 | $4,744 |
| State Farm | $2,848 | $3,116 | $3,242 |
| Travelers | $8,543 | $8,602 | $8,564 |
| USAA | $1,734 | $1,880 | $1,974 |
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Best By Category: Cheapest Auto Insurance in Erie, Pennsylvania
Compare the cheapest auto insurance companies in Erie, Pennsylvania in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Erie, Pennsylvania Auto Insurance Companies
What auto insurance companies in Erie, Pennsylvania are the cheapest? Compare the top Erie, Pennsylvania auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,956 |
| Geico | $2,475 |
| Liberty Mutual | $6,109 |
| Nationwide | $2,769 |
| Progressive | $4,370 |
| State Farm | $3,068 |
| Travelers | $8,570 |
| USAA | $1,863 |
What affects auto insurance rates in Erie, Pennsylvania?
There are a lot of reasons why auto insurance rates in Erie, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Erie, Pennsylvania. Many local factors may affect your Erie auto insurance rates.
Erie Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Erie, Pennsylvania commute length is 17.9 minutes according to City-Data.
Erie Traffic
How does Erie, Pennsylvania rank for traffic? According to Inrix Erie, Pennsylvania is the 870th most congested worldwide.
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Compare Erie, Pennsylvania Auto Insurance Quotes
Before you buy Erie, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Erie, Pennsylvania auto insurance quotes.
Frequently Asked Questions
What is Erie, PA Auto Insurance?
Erie, PA Auto Insurance refers to the automobile insurance policies offered by Erie Insurance Group specifically designed for residents of Erie, Pennsylvania. These policies provide coverage for vehicles, drivers, and potential liabilities in case of accidents or other incidents involving insured vehicles.
What types of auto insurance coverage does Erie offer in Pennsylvania?
Erie Insurance offers a range of auto insurance coverage options in Pennsylvania, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and rental car reimbursement. They also offer additional optional coverages such as roadside assistance, pet coverage, and personal item coverage.
What does liability coverage in Erie, PA Auto Insurance entail?
Liability coverage in Erie, PA Auto Insurance protects you financially if you’re found responsible for causing an accident. It includes two main components: bodily injury liability, which covers medical expenses and other costs associated with injuries to others, and property damage liability, which covers the costs of repairing or replacing other people’s property damaged in an accident you caused.
What is collision coverage, and should I consider adding it to my Erie auto insurance policy?
Collision coverage is an optional coverage that pays for the repairs or replacement of your vehicle if it is damaged in a collision, regardless of who is at fault. Adding collision coverage to your Erie auto insurance policy can provide extra financial protection and peace of mind, especially if you have a newer or more valuable vehicle.
Can I get Erie auto insurance if I have a poor driving record or previous accidents?
While eligibility requirements may vary, Erie Insurance generally provides auto insurance coverage to drivers with various driving records, including those with previous accidents or violations. However, it’s important to note that having a poor driving record might result in higher premiums compared to drivers with clean records.
Does Erie Insurance offer any discounts on auto insurance in Pennsylvania?
Yes, Erie Insurance offers various discounts on auto insurance in Pennsylvania. These discounts may include multi-policy discounts for bundling multiple insurance policies, safe driver discounts, vehicle safety feature discounts, good student discounts, and discounts for completing approved driver safety courses. Contact an Erie Insurance agent or visit their website for specific details on available discounts.
How can I obtain a quote for Erie auto insurance in Erie, PA?
To obtain a quote for Erie auto insurance in Erie, PA, you can contact an Erie Insurance agent directly or visit the Erie Insurance website. Provide the necessary information about yourself, your vehicle, and your desired coverage, and they will provide you with a personalized quote based on your specific needs and circumstances.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.