McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Erie is cheap in part because it offers an optional feature called Erie Rate Lock, which keeps your rate the same year after year until you modify your policy, by changing your address or adding a new vehicle or driver, for example. Erie also automatically gives policyholders First Accident Forgiveness after three years. First Accident Forgiveness will not raise your rates after an accident you were at fault for, and you can only get it if you don’t have Erie Rate Lock on your policy.
Erie is particularly cheap for drivers who have full coverage policies, according to WalletHub research, though Erie is not one of the cheapest car insurance companies overall. Young drivers are especially likely to find cheaper rates elsewhere.
Average Rates for Erie Car Insurance vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
| $216 per month | $422 per month | |
| $238 per month | $455 per month | |
| $129 per month | $336 per month |
Note: Premiums are representative of a full coverage in NY; individual premiums will vary.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find a good deal is to compare quotes from multiple insurers and take advantage of every discount.
To learn more, check out WalletHub's review of Erie and see Erie's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did my Erie rate go up?
Your Erie rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Erie to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Erie may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and...
read full answer by Candace Baker, Car Insurance WriterDoes Erie use telematics?
Yes, Erie uses telematics with YourTurn, a program that tracks your driving habits using a mobile app. You can get a when you sign-up for YourTurn, and the better you drive, the more you can save with Erie.
How Erie's YourTurn Works
- Tracks hard acceleration, hard braking, hard cornering, speeding, miles driven, and phone usage while driving
- Uses a mobile app for tracking
- Has a just for signing up
- ...
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