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erie insurance

“A regional gem with real loyalty perks, but not for everyone.”

balance MIXED VERDICT
Check it at Erie Insurance open_in_new

6.8

Inside Scoop Score

Mixed · 6.8 / 10

auto_awesome INSIDE SCOOP

The Inside Scoop

THE VERDICT

Erie Insurance punches above its weight in customer service and agent relationships, ranking 4th nationally out of 79 insurers and 2nd in customer experience according to MoneyGeek. Rate Lock is a genuinely rare feature that saves loyal, clean-record drivers real money over time. But the digital experience is stuck in a previous decade, claims satisfaction is inconsistent on complex cases, availability is limited to 12 states, and a 2025 cyberattack left some customers locked out of their accounts for weeks.

Anchored by MoneyGeek's review

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Rate Lock is genuinely rare

Erie's Rate Lock prevents premium increases due to inflation or general rate hikes, only adjusting for actual policy changes — something virtually no major national insurer offers.

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Strong agent-based customer service

MoneyGeek ranks Erie 2nd nationally for customer experience, and multiple Reddit users and body shop owners confirm Erie is unusually easy to work with on standard collision claims.

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Solid financial and institutional ratings

Erie holds an A+ rating from both AM Best and the BBB, signaling strong financial stability and low risk of insolvency.

warning WATCH OUTS

Before You Buy — What Nobody Tells You

We analyzed the expert reviews and owner discussions to surface the surprises buyers only learn after.

  • heart_broken

    Cyberattack broke app access for weeks

    A June 2025 security incident knocked out Erie's online systems and left customers unable to log in for weeks, with even agents reverting to legacy systems — and some users reporting the app still inaccessible long after.

    — from r/ErieInsurance, r/milwaukee

    lightbulb Keep your agent's direct phone number handy; Erie's old-school agent model means you can still transact by phone even when digital systems are down.

  • construction

    Can be dropped without warning by zip code

    At least one long-term customer of over 10 years reported being dropped mid-policy with no warning due to Erie quietly pulling out of their zip code — no claim filed, just gone.

    — from r/milwaukee

    lightbulb If you live in an urban or high-risk zip code, ask your agent directly about Erie's current appetite in your area before renewing or switching.

  • emergency_share

    Rate Lock does not mean rate freeze forever

    Erie's celebrated Rate Lock still allows premium changes if you move, add a driver, or change coverage — buyers sometimes assume it is an unconditional freeze until they trigger one of those changes.

    — from MoneyGeek top reviewer transcript

groups VERDICT

Who it's for

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Best For

Homeowners or drivers in Erie-eligible states with clean records, good credit, and a preference for working with a local agent who actually picks up the phone.

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Skip If

Drivers with poor credit, recent violations, or anyone over 65 looking for the lowest rate; also a hard pass for anyone who wants a fully digital, app-first insurance experience.

forum REDDIT

Voices of Reddit

erie insurance claim coverage information agent customers systems customer local been continue claims care experience working outage contact available policy june tank team issues equipment need first replaced agents updates notice additional security teams loss email phone issue policyholders company access provide reviews activity other ongoing cost house network well
Praised Criticized Mentioned · Drawn from 5 threads · 18 comments · Biggest gripe: "issues" (8×)
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"Last year they dropped me without any warning."

r/milwaukee
smart_display VIDEO REVIEWS

Video reviews

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1:49
person

Erie Auto Insurance Review

AutoInsuranceDotCom • 2088

"Welcome to AutoInsurance.com! In today's video, we provide an in-depth insider review of Erie car insurance. While Erie might not ..."

rocket_launch TIKTOK

TikTok takes

@erie_insurance

Whether you’re a seasoned driver or just starting out, here are some tips for safe driving in these tricky wet conditions that start as soon as autumn begins! 🍁💦 #WetLeaves #AutumnDriving #CarSafety #SlipperyRoads

favorite 14

@moneygeek.official

This insurance company says your rate won’t increase… even if you file a claim. Here’s how Erie’s Rate Lock actually works. Curious to know more about Erie? Our full-length review is up on YouTube! #carinsurance #insurance #erieinsurance #moneytips #ratelock #erieratelock

favorite 8

@aaafarmtables

Insurance company scam #erieinsurance #caraccident #crash #insurance #scam #fyp #foryoupage #storytime #story

favorite 233

Show 5 more expand_more

@burger_mama

NC and insurance companies are robbing us blind - I’m so mad #erieinsurance can f all the way off on their 38% increase. Oh and #northcarolina passing a 42% increase in premiums. F u all. #insurance #homeownership #homeownersinsurance

favorite 2.1K

@longnecker.datacom

The 2026 Insurance Trap is real. ⚠️ IS YOUR ERIE BUSINESS NEGLIGENT? ⚠️ 2026 Insurance Trap Breakdown. Your cyber insurance provider isn’t your friend, they’re looking for any technical loophole to deny your claim. In this 3-minute breakdown, I’m showing you the "Nightmare" server room forensics will use to flag you as Negligent. Inside the video: 🛡️ The "Zombie Device" high-speed highway. 🛡️ Why unmanaged switches = "Keys to the Kingdom." 🛡️ The Longnecker Standard for 2026. Don’t wait for a breach to find out you aren’t covered. Let’s get to work. 📞 #EriePA #CyberSecurity #LongneckerDataCom #CyberInsurance #SmallBusiness #Infrastructure #TechAuthority #NetworkSecurity #CEO #ZombieDevice

favorite 4

@brenton.insurers

Erie’s Rate Lock can be a great way to keep more money in your pocket! #insurance #homeowners #homepurchase #wisconsin #homeownersinsurance

favorite 3

@armstrongins.agency

Oh, no! You're vehicle's windshield or window glass is damaged. 😫 If you're insured with @erie_insurance and have the right coverage, the good news is that getting it repaired is easy and fast! Thanks to Safelite Solutions, they help make the repair process convenient - they'll come to you OR meet you at our office's parking garage! #insurance #glassclaim #crackedwindshield #safelite #safeliterepairsafelitereplace #erieinsurance #local #alleganycounty #westernmd #mountainmaryland #Frostburg #itsjustcoolerhere

favorite 4

@virknavideep11

Replying to @Manrit_kaur #employeeinsurance#ei#navdeep#virk#navideep#finance#cra#BeTheReasonVisa#vacationpay

favorite 216

menu_book Editorial reviews · 5 expand_more
article
U.S. News & World Report
Editorial

Erie Car Insurance Review for 2026

Erie received high marks for customer service and claims handling in our survey. Erie scored 4.3 out of 5 in our rating of the best car insurance companies ...

article
Erie Insurance
Editorial

Erie Insurance Reviews

"Erie Insurance is great and responds quickly when I need to make a claim. Wouldn't think about going with any other company!" Scott M. Weston, WV Service

article
InsuredBetter.com
Editorial

Erie Insurance Company Reviews 2026 | Pros & Cons

We award Erie Insurance a final rating of three out of five stars. Erie's high ratings of an “A+” through both AM Best and the Better Business Bureau (BBB) are ...

article
Trustpilot
Editorial

Erie Insurance Reviews 46

Erie insurance is the worst insurance company. This insurance company does not fulfill its responsibilities. Poor TrustScore 2 out of 5 46 reviews

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LendingTree • Mar 19, 2026
Editorial

Erie Car and Home Insurance Review

Erie is a great company, with low rates for both car and home insurance and good coverage options. costs $44 a month is $131 a month.

format_quote What people are saying · 3 expand_more

"In a world where insurers usually raise rates annually even if you don't file a claim, Rate Lock is huge for peace of mind."

person

MoneyGeek top reviewer transcript

"Was with Erie for over 10 years and never filed a claim. Last year they dropped me without any warning due to our zip code."

person

r/milwaukee

"Erie received high marks for customer service and claims handling, scoring 4.3 out of 5 in our rating of best car insurance companies."

person

U.S. News and World Report

Erie is a legitimately good insurer if you fit the mold — but that mold is narrow, regional, and decidedly not built for the digital age.

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Scoped 15 days ago across 39 sources on 5 platforms.