How much is auto insurance in Erie?

 

The average car insurance rate in Erie is $1,450 per year. That's less than the statewide average in Pennsylvania ($1,475) and less expensive than the national average of $1,548. Our guide to Erie auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to find out more.

 

AUTO INSURANCE: ERIE RATES VS. STATE + NATIONAL AVERAGES
Erie Average (annual) Pennsylvania Average United States Average
$1,450 $1,475 $1,548

 

Table of contents:
  • Insurance company
  • Age group
  • Gender and marital status
  • Driving record
  • Credit score

 

Erie car insurance costs by company

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Erie's cheapest rates. We've gathered the best cheap car insurance companies in Erie below. Remember that this list should only be seen as a starting point: it's important to compare quotes specific to your unique driving profile.

 

ERIE AUTO INSURANCE RATES BY COMPANY
Insurer Average Annual Rate
GEICO $811
Erie $1,008
Nationwide $1,222
State Farm $1,259
Progressive $1,883

 

Check out our guide to learn how to find the best cheap car insurance.

 

 

Erie auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Erie are drivers in their 50s, who pay an average of $1,268 per year. Drivers in their 60s pay marginally higher rates — $1,294 per year.

The Erie drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Erie is to celebrate your 20th birthday. In Erie, teenage drivers pay $4,385 — a full $3,091 more than the second-most expensive rate paid by an age group.

 

ERIE CAR INSURANCE RATES BY DRIVER AGE
Age Average Annual Rate
Teenagers $4,385
20s $1,894
30s $1,432
40s $1,364
50s $1,268
60s $1,294
70s $1,589

 

Learn more about the impact of age on car insurance premiums.

 

 

Erie car insurance rates by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Erie pay $127 less than single drivers for auto insurance.

Gender is another factor that can influence auto insurance rates.

 

ERIE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $1,450
Male $1,450
Single $1,450
Married $1,323
Divorced $1,450
Widowed $1,382

 

Learn more about the impact gender and marital status have on insurance costs.

 

 

Erie car insurance rates by violation history

 

If you want to keep your car insurance rates reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Erie, a reckless driving citation results in an average insurance rate increase of $686 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $550 increase, and a speeding ticket triggers a $154 rate hike.

 

AVERAGE ERIE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation Average Yearly Rate
DUI/DWI $2,000
Reckless Driving $2,136
At-fault Accident (damages < $1,000) $1,587
At-fault Accident (damages > $2,000) $2,287
Speeding Ticket (16-20 mph over speed limit) $1,604

 

Get more info on how a bad driving history can impact your car insurance costs.

 

 

Erie car insurance rates by credit level

 

A driver's credit level can be closely associated with their auto insurance rates. Erie drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price drop. In Erie, moving into the "Fair" credit tier corresponds to an average of $491 in savings on insurance each year.

 

ERIE CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit Level Average Rate (annual)
Very Poor $2,696
Fair $2,205
Good $1,836
Very Good $1,537
Exceptional $1,223

 

Get additional information on how credit impacts car insurance costs.

 

 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.