Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Erie after a DUI is USAA
  • Average car insurance rates in Erie, PA are $346/month
  • The cheapest car insurance company in Erie for teen drivers is USAA

Average car insurance rates in Erie, Pennsylvania are $346 a month. But with a little research you can get a great deal from the top car insurance companies in Erie, PA. Before you buy Erie, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Erie car insurance rates with Reading car insurance rates, Scranton car insurance rates, or Harrisburg car insurance rates to make sure you’re getting the best Erie, PA car insurance quotes available.

Need affordable Erie, PA car insurance? Enter your ZIP code to compare Erie car insurance quotes from multiple car insurance companies near you.

Erie, PA Minimum Car Insurance Coverage

Erie, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

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

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Erie, PA Car Insurance Rates by Coverage Level

Some Erie drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Erie, Pennsylvania car insurance rates may be based on the coverage you need.

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

Erie, PA Car Insurance Rates by Age, Gender, and Marital Status

Erie, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Erie, PA car insurance, get quotes from multiple car insurance companies in the Erie area and see how these criteria affect your 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

Erie, PA Car Insurance Rates for Teens

How much is Erie, Pennsylvania car insurance for teens? Compare rates from top Erie car insurance companies below to help find the cheapest teen car insurance in Erie, PA.

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

Erie, PA Car Insurance Rates for Seniors

Before seniors buy Erie, Pennsylvania car insurance, they should make sure to shop around. Some Erie, PA car insurance companies may offer discounts or other savings options for senior car insurance.

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

Erie, PA Car Insurance Rates by Credit History

How does your credit history affect Erie, PA car insurance rates? Review the numbers here to find out.

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

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Erie, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Erie, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Erie.

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

Erie, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Erie, PA car insurance rates. Compare rates below to see which Erie car insurance company has the best rates for drivers with a DUI.

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

Erie, PA Car Insurance Rates by ZIP Code

Just like Erie car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Erie, PA car insurance rates fluctuate by ZIP code.

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

Erie, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Erie, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Erie companies based on commute time.

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

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Erie, PA Cheapest Car Insurance Rates

How do the top Erie, Pennsylvania car insurance companies’ average rates stack up against the Erie average monthly car insurance rates of $346? Take a look and see.

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

Erie, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Erie, Pennsylvania car insurance companies to help you find one that best fits 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

Other Factors Affecting Erie, PA Car Insurance Rates

Before you buy Erie, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Erie, PA Commute Time

How does your Erie, PA commute time compare with the average driver? In Erie, the average commute is 17.9 minutes.

Erie, PA Traffic

Spending time in Erie traffic can lead to higher car insurance rates. According to INRIX data, Erie, PA ranks as the 870th-most congested with traffic in the world.

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Erie, PA Car Insurance Quotes

Compare Erie, PA car insurance quotes from multiple companies by entering your ZIP code now.