Compare Erie, PA Car Insurance Rates (2021)

Car insurance in Erie, PA averages $346 a month. Erie, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Erie car insurance rates, compare quotes from the top car insurance companies in Erie, PA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Erie is USAA
  • Average car insurance rates in Erie, PA are $4,147/year
  • The cheapest car insurance company in Erie for teen drivers is USAA

If you need to buy Erie, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Erie, PA is right here.

You’ll find Erie car insurance rates, the cheapest Erie, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Erie, Pennsylvania car insurance rates to Erie car insurance rates, Lancaster car insurance rates, and Reading car insurance rates.

Ready to find affordable Erie, PA car insurance today? Enter your ZIP code for fast, free Erie car insurance quotes.

Cheapest Erie, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Erie, PA car insurance rates? Every Erie, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Erie, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,439 $2,439 $2,267 $2,267 $8,452 $8,452 $2,664 $2,664
GEICO $1,934 $1,674 $1,834 $1,589 $4,895 $4,245 $1,945 $1,684
Liberty Mutual $4,009 $4,009 $3,675 $3,675 $11,667 $11,667 $5,083 $5,083
Nationwide $1,876 $1,876 $1,779 $1,779 $5,314 $5,314 $2,106 $2,106
Progressive $2,705 $2,705 $2,423 $2,423 $8,902 $8,902 $3,448 $3,448
State Farm $1,844 $1,844 $1,637 $1,637 $6,749 $6,749 $2,043 $2,043
Travelers $1,842 $1,842 $2,006 $2,006 $28,231 $28,231 $2,200 $2,200
USAA $1,184 $1,184 $1,068 $1,068 $3,626 $3,626 $1,572 $1,572

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Minimum Car Insurance in Erie, PA

Every driver must carry the minimum car insurance in Erie, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Erie, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Erie, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Erie, PA. Compare credit history car insurance rates in Erie from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Erie, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,045 $3,777 $3,045
GEICO $3,713 $2,093 $1,618
Liberty Mutual $7,800 $5,590 $4,936
Nationwide $3,245 $2,674 $2,387
Progressive $5,770 $4,067 $3,271
State Farm $4,369 $2,703 $2,133
Travelers $9,299 $8,433 $7,977
USAA $2,323 $1,731 $1,534

Cheapest Erie, PA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Erie, PA to rates for a clean record with top companies.

Annual Erie, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $4,478 $3,781 $3,781
GEICO $1,827 $3,114 $2,441 $2,518
Liberty Mutual $5,545 $6,411 $6,239 $6,239
Nationwide $2,002 $2,678 $3,724 $2,671
Progressive $3,952 $5,497 $4,070 $3,960
State Farm $2,792 $3,345 $3,068 $3,068
Travelers $6,040 $8,645 $10,949 $8,645
USAA $1,497 $2,073 $2,208 $1,673

Cheapest Erie, PA Car Insurance for Teen Drivers

Teen car insurance in Erie, PA can be expensive. Take a look at rates from the top car insurance companies in Erie for teenagers.

Annual Car Insurance Rates for Teen Drivers in Erie, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,452 $8,452
GEICO $4,895 $4,245
Liberty Mutual $11,667 $11,667
Nationwide $5,314 $5,314
Progressive $8,902 $8,902
State Farm $6,749 $6,749
Travelers $28,231 $28,231
USAA $3,626 $3,626

Cheapest Erie, PA Car Insurance for Seniors

Take a look at Erie, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Erie, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,267 $2,267
GEICO $1,834 $1,589
Liberty Mutual $3,675 $3,675
Nationwide $1,779 $1,779
Progressive $2,423 $2,423
State Farm $1,637 $1,637
Travelers $2,006 $2,006
USAA $1,068 $1,068

Cheapest Erie, PA Car Insurance Rates After a DUI

A DUI in Erie, PA increases car insurance rates. Compare Erie, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Erie, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,781
GEICO $2,441
Liberty Mutual $6,239
Nationwide $3,724
Progressive $4,070
State Farm $3,068
Travelers $10,949
USAA $2,208

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Cheapest Erie, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Erie, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Erie, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,875 $4,036
GEICO $2,437 $2,513
Liberty Mutual $5,953 $6,264
Nationwide $2,769 $2,769
Progressive $4,370 $4,370
State Farm $2,977 $3,160
Travelers $8,570 $8,570
USAA $1,809 $1,916

Cheapest Erie, PA Car Insurance Rates by ZIP Code

Erie car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Erie, PA.

Annual Car Insurance Rates by ZIP Code in Erie, Pennsylvania

ZIP Code Average Annual Rates
16501 $5,495
16502 $5,455
16503 $5,466
16504 $5,231
16505 $4,868
16506 $4,842
16507 $5,410
16508 $4,966
16509 $4,978
16510 $5,215
16511 $5,253
16515 $5,470
16541 $5,308
16546 $5,226
16565 $4,958

The Best Cheap Car Insurance Companies in Erie, PA

Take a look at a side-by-side comparison of the top car insurance companies in Erie, PA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Erie, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,956
GEICO $2,475
Liberty Mutual $6,109
Nationwide $2,769
Progressive $4,370
State Farm $3,068
Travelers $8,570
USAA $1,863

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Category Winners: Cheapest Car Insurance in Erie, Pennsylvania

Find the cheapest car insurance companies in Erie, PA for each category right here.

Best Annual Car Insurance Rates by Company in Erie, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Erie, PA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Erie car insurance rates. Find the cheapest Erie, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Erie, Pennsylvania

Insurance Company Low Medium High
Allstate $3,736 $3,988 $4,143
GEICO $2,259 $2,502 $2,663
Liberty Mutual $5,767 $6,159 $6,399
Nationwide $2,775 $2,808 $2,722
Progressive $3,955 $4,410 $4,744
State Farm $2,848 $3,116 $3,242
Travelers $8,543 $8,602 $8,564
USAA $1,734 $1,880 $1,974

What affects car insurance rates in Erie, Pennsylvania?

What factors can have an impact on Erie, PA car insurance? There are several reasons why Erie car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Erie, Pennsylvania.

Commute Time in Erie

The more time you spend in your car the higher the risk of an accident. The average commute length in Erie, PA is 17.9 minutes according to City-Data.

Traffic in Erie

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Erie, PA traffic data from INRIX ranks Erie as the 870th-most congested in the world.

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Compare Car Insurance Quotes in Erie, PA

Ready to find affordable Erie, Pennsylvania car insurance today? Enter your ZIP code for fast, free Erie, PA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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