MetLife vs. Erie Insurance

The Erie phone number is 1 (800) 458-0811 for customer support, and customer service representatives are available Monday to Friday, 8 AM to 11 PM or Saturday, 9 AM to 4:30 PM EST. You can also contact Erie by logging in to your Erie online account and use the chat function, email customer service, or visiting a local agent. 

How to Contact Erie

• Call 1 (800) 458-0811 to speak with a customer service representative
• Go to Erie's website and use the chat function
• Mail your request to Erie at Erie Insurance Group / 100 Erie Insurance Place / Erie, PA 16530-1104
• Visit an Erie agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Erie. For instance, to file a claim, you can file online or over the phone. However, to cancel your policy with Erie, you will most likely need to call 1 (800) 458-0811.

Erie Phone Numbers

To learn more, check out WalletHub's full review of Erie.

You cannot get Erie Insurance in Florida. Erie Insurance (based in Erie, Pennsylvania) only sells policies in 11 states and the District of Columbia. North Carolina and Tennessee are the southernmost states in which Erie operates.

If you are a permanent resident looking for cheap car insurance in Florida, Progressive, GEICO and Liberty Mutual offer some of the most competitive rates in the state to many drivers.

If you spend only part of the year in Florida and your car is registered in an area covered by Erie, you could get Erie auto insurance to protect you wherever you drive. As long as the policy meets Florida's minimum insurance requirements, it will cover you there, too.

Where You Can Get Erie Insurance:

• Illinois
• Indiana
• Kentucky
• Maryland
• North Carolina
• Ohio
• Pennsylvania
• Tennessee
• Virginia
• Washington DC
• West Virginia
• Wisconsin

Yes, Erie offers rideshare insurance in the form of a business-use endorsement. Erie's business-use endorsement is an optional add-on to a personal car insurance policy that covers rideshare drivers at every stage of the process, including while drivers are waiting for a ride request and once a passenger is in the car. To get a quote for Erie rideshare insurance or add rideshare coverage to your policy, contact a local Erie agent or call 800-458-0811.

In general, rideshare policies are important because the coverage provided by Lyft and Uber varies depending on where the driver is in the process of a ride. When a driver is online and waiting for a ride request, Uber and Lyft provide liability-only insurance.

Once the driver has accepted a ride request, Uber and Lyft provide up to $1 million in liability insurance, plus any other type of coverage required in the state. Both companies also provide collision and comprehensive insurance during this period for drivers who have these types of coverage on their personal policy. However, Uber and Lyft both have a deductible of $2,500. This deductible is significantly more expensive than the average car insurance deductible of $500.

Finally, Uber and Lyft don't provide any coverage for drivers when the app is not on. For more information, check out WalletHub's complete guide to rideshare insurance.

MetLife is rated A+ by AM Best, a credit rating agency that determines an insurance company's financial strength and ability to pay claims. MetLife also received a rating of 1.00 from the National Association of Insurance Commissioners (NAIC), meaning MetLife has an average number of consumer complaints.

MetLife Insurance Ratings

• AM Best: A+
• NAIC: 1.00
• BBB: C-
• Standard & Poor's: AA-
• Moody's: Aa3
• Average User Rating on WalletHub: 3.6/5

To learn more, check out MetLife's profile on WalletHub.

No, MetLife does not offer rideshare insurance anymore. MetLife no longer provides any kind of auto insurance coverage, since the company sold its home and auto insurance business to Farmers Insurance in April 2021.  

Current or prospective MetLife auto insurance policyholders can reach out to Farmers Insurance to ask about rideshare coverage, since Farmers does offer rideshare insurance. 

The main MetLife NAIC number is 65978. MetLife's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With MetLife's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need MetLife's NAIC number to report fraud or file an insurance claim, as well.

Although the main MetLife NAIC number is 65978, the NAIC has assigned a separate code for each of MetLife's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your MetLife insurance card. 

MetLife NAIC Numbers 

Yes, MetLife does offer free towing for customers who have the company's roadside assistance coverage. MetLife roadside assistance generally costs $5-$7 per year and includes towing services up to $50 for basic plan subscribers. MetLife customers can request roadside assistance online, or they can call 1-800-854-6011.

MetLife Roadside Assistance Covers:

• Towing services up to $50 for basic plan subscribers
• Jump starts
• Flat tire change
• Lockout services
• Winching

While MetLife's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Yes, Erie has accident forgiveness for car insurance customers. Erie accident forgiveness applies to one accident every three years, and it can be earned for free if you've been an Erie customer for at least three years.

Keep in mind that Erie accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past three years, the other named drivers cannot have an accident forgiven.

On average, Erie premiums go up by 50% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don't qualify for Erie accident forgiveness, there are still other ways to lower your rate after an accident.

To learn more, check out reviews and key information about Erie, as well as our guide to accident forgiveness.

Yes, Erie insurance rates are competitive, since the company is one of the five cheapest insurers nationally, according to WalletHub's cheap car insurance analysis. Erie car insurance costs an average of $403 per year, or $34 per month.

Erie's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.

Sample Erie Car Insurance Rates

Note: These rates are approximations based on sample quotes from Erie. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete Erie car insurance review.  

Erie offers gap insurance as part of its new car replacement coverage, which will pay off the difference between a leased or financed car's actual cash value and the remaining balance owed if your vehicle is totaled. Erie's new car replacement is part of an optional add-on called Auto Security.

Key Things to Know About Erie's Auto Security Coverage

• You can add Auto Security to your Erie policy at any time prior to a loss for an additional monthly fee.
• Policyholders must purchase comprehensive and collision coverage to be eligible for Auto Security.
• If your vehicle is not leased or financed, and it gets totaled within the first two years of ownership, Erie will reimburse you the cost to replace your vehicle with the newest comparable model year, minus any deductible.
• If your vehicle is leased or financed, Erie will pay the difference between your vehicle's cash value and your remaining loan/lease balance, instead of paying to replace the car.

If you don't want to purchase Auto Security from Erie to obtain gap protection, you could maintain your policy with Erie and purchase gap insurance from a dealership or a stand-alone company. However, dealership gap insurance is often the most expensive option, since the cost is usually added to your loan balance and charged interest.

For more information, check out WalletHub's complete guide to gap insurance.