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How much is car insurance in Erie?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Erie is about $11 a month cheaper than it is for the rest of Pennsylvania.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Erie is rather affordable. The average monthly payment for the United States as a whole is about $20 more expensive than in Erie.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Erie so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement age in Erie.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Erie, although men do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Erie, a driving record with a single accident will usually get you a rate around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $61 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$54|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Erie, with drivers paying around $57 per month for insurance.
Car owners, on the other hand, by and large pay around $62 per month, while truck and van drivers can expect to pay about $61 a month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Erie are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Erie is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
One other element taken into consideration is your housing situation. In Erie, homeowners can expect to pay around $14 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Erie, PA
Recent trends in car insurance for Erie drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Erie decreased from 2016-2019, when they hit a low of $52. This changed in 2020, when rates started to rise. This pattern has continued through the present, where rates recently reached $59.
How does Erie compare to neighboring areas?
Why are car insurance rates in Erie different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Crime rates
- Availability of off-street parking
- Number of drivers
- Area laws
- Road Safety (frequency of car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Erie?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Erie.
Erie Insurance FAQs
What factors affect car insurance quotes in Erie?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Erie different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Erie?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Erie?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Erie or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?