What Discounts Does Erie Offer?

Erie is cheap for drivers who have full coverage policies. Drivers can also save even more with Erie by taking advantage of discounts for things like having multiple policies from Erie or for having a vehicle equipped with safety features. Erie is not one of the cheapest car insurance companies overall, though, and young drivers specifically may find cheaper rates elsewhere.

Average Rates for Erie Car Insurance vs. Top Competitors

Note: Premiums are representative of a full coverage in NY; individual premiums will vary.

Erie may not be one of the cheapest car insurance companies for most drivers, but it does offer a variety of discounts, like discounts for taking a driver training course or for paying your policy in full. Plus, Erie rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto. 

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.

Yes, Erie offers a defensive driving course discount for drivers under the age of 21 who have completed an accredited driver training course. By voluntarily taking an approved defensive driving course, Erie car insurance customers in eligible states can get a discount, though the exact amount varies between each state. Once the discount expires, drivers can renew it by taking another course.

Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete. 

To learn more, check out WalletHub's guide to Erie discounts.

Erie does not offer a good driver discount, but drivers can earn rewards worth up to $10 every two weeks by using YourTurn, the company's telematics program. YourTurn tracks a driver's habits on the road, like their acceleration and braking, and determines the exact reward based on the driver's score.

Good drivers can also benefit from Erie's diminishing deductible program, known as the Auto Enhancement Endorsement. For each consecutive year that a driver goes without filing a claim, the endorsement reduces their collision deductible by $100, up to a maximum amount of $500. However, eligibility for the program varies by state.

If you can't qualify for YourTurn or the Auto Enhancement Endorsement, there are still other ways for you to save on your premium. For example, Erie offers a multi-vehicle discount for drivers who insure more than one car on their policy.

To learn more, check out WalletHub's guide to Erie discounts.

Erie does not advertise a marriage discount, though married drivers do pay less for Erie car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 8% less for Erie coverage than the same driver without a husband or wife. Married people also typically qualify for more Erie discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Erie rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Erie policy.

To get a Erie quote, you can go online or call (800) 458-0811.

Erie does not offer a safe driver discount. The closest thing Erie Insurance has to a safe driver discount is its telematics program YourTurn, which tracks driving habits like braking and acceleration, and rewards safe drivers with up to $10 every two weeks. But there is no safe driver discount that directly reduces a driver's premium.

Even though Erie doesn't offer a safe driver discount, you can still take advantage of other opportunities to save on your rate. For example, Erie offers a multi-car discount for drivers who insure two or more vehicles on their policy.

 To learn more, check out WalletHub's guide to Erie discounts.

Erie offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Specific age requirements vary, and the discount is only available in states that legally mandate it.

Even if Erie doesn't offer a mature driver discount in your state, there are still other ways for you to lower your premium. For example, Erie offers a multi-policy discount, which gives a discount to drivers who have a life or home insurance policy with Erie in addition to their auto insurance.

To learn more, check out WalletHub's guide to Erie discounts.

Erie is so expensive because of agent commissions and rising costs overall for insurance companies. At $1,123 per year per year, the average Erie car insurance policy is a lot more expensive than the national average of $671 per yearfor a policy with minimum coverage.

Erie insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. For example, teenagers pay an average of $5,110 per year for Erie insurance, compared to $1,123 per year for older drivers. Additionally, drivers who have recently had an at-fault accident pay an average of $1,685 per year for Erie coverage, which is 50% more than drivers with a clean record.

Factors That Can Make Erie Insurance More Expensive

• Commissions for agents
• Rising costs overall for insurance companies
• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Erie policy, there are ways for you to lower your rate. For example, you can take advantage of Erie discounts or reduce your coverage. In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Erie is charging you a high premium, you may be able to find a cheaper policy with another insurer.

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

No, Erie does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Erie premium, such as by taking advantage of their multi-car discount, safe driving discount, or reduced usage discount.

For more information about saving on your insurance, check out WalletHub's complete guide to Erie discounts.

The Erie insurance payment perk discount is a discount for paying annual premiums in one lump sum. Erie does not disclose how much their payment perk discount is, but the average pay-in-full discount ranges from 6% to 14%. Erie offers a wide range of discounts which can help make their already inexpensive premiums even more affordable.

Erie Insurance offers discounts for things like:

• Having multiple policies through them.
• Your vehicle being in storage.
• Having anti lock brakes, airbags, and other safety features.
• Taking an approved driver safety course.

To learn more, check out Erie's profile and read WalletHub's full review of Erie Insurance.

You can get the Erie pay-in-full discount by paying your entire auto insurance premium in one lump sum. The pay-in-full discount allows drivers to save on their car insurance premium by choosing to pay for the entire cost of their policy up front rather than opting for installments. Keep in mind that Erie's pay-in-full discount is not available in some states.

If you cannot pay your entire premium up front, you can still take advantage of other discounts. For example, Erie has a multi-policy discount for drivers who have a qualifying life or home insurance policy in addition to their auto insurance.

To learn more, check out WalletHub's guide to Erie discounts.