Cheap Car Insurance in Erie, PA

Written by Xuyun Zeng and 1 other
Updated Mar 24, 2025
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Cheap Car Insurance in Erie, PA

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Erie presents unique driving challenges with its lake-effect snow, which can create hazardous winter road conditions. Heavy fog from Lake Erie can also reduce visibility, especially near the waterfront and along Interstate 90. 

As a smaller city, traffic is usually manageable, but icy roads can lead to delays. We’ve gathered data from Jerry customers in Erie to show you how rates can vary based on age, driving history and address. Our data should help you choose the best coverage for your vehicle.

Cheapest minimum coverage in Erie, PA

These are the cheapest quotes that drivers in Erie have received via Jerry for minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$36 $428 Gainsco 40 May 3, 2025 Erie, PA 16510
$37 $446 National General 49 January 21, 2025 Erie, PA 16509
$39 $464 Progressive 30 January 29, 2025 Erie, PA 16510
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
$44 $528 Progressive 27 May 15, 2024 Erie, PA 16509
$44 $528 Bristol West 57 January 24, 2024 Erie, PA 16511
$57 $680 Progressive 39 December 28, 2024 Erie, PA 16510
$58 $698 Bristol West 34 February 15, 2024 Erie, PA 16509
$62 $748 Progressive 45 June 28, 2024 Erie, PA 16504
$71 $852 Progressive 57 July 5, 2024 Erie, PA 16502
Last Updated May 5, 2025

Pennsylvania requires drivers to carry these minimum coverages:

  • $15,000 in bodily injury liability for injury to one person.
  • $30,000 for bodily injury liability for injury to several people in an accident.
  • $5,000 for property damage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Erie

Full coverage provides collision and comprehensive coverage, which means you’re insured against weather-related incidents, theft, vandalism and other damages to your vehicle. Here are the cheapest full coverage quotes that drivers in Erie have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
$57 $680 Progressive 39 December 28, 2024 Erie, PA 16510
$77 $918 Dairyland 25 July 7, 2024 Erie, PA 16510
$83 $996 Progressive 55 March 5, 2025 Erie, PA 16509
$84 $1,004 National General 36 June 2, 2024 Erie, PA 16502
$84 $1,004 Progressive 65 March 30, 2025 Erie, PA 16504
$98 $1,180 Progressive 31 April 30, 2025 Erie, PA 16510
$100 $1,200 National General 26 April 4, 2025 Erie, PA 16509
$108 $1,294 Progressive 38 February 23, 2025 Erie, PA 16510
$111 $1,331 The General 20 April 17, 2025 Erie, PA 16508
Last Updated May 5, 2025

Cheapest car insurance for young drivers in Erie (18-29 years old)

Young drivers typically pay the most for car insurance because insurers view their lack of driving experience as a risk. These are the cheapest quotes that young drivers in Erie have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$44 $528 Progressive 27 No May 15, 2024 Erie, PA 16509
$77 $918 Dairyland 25 Yes July 7, 2024 Erie, PA 16510
$80 $958 Progressive 21 No April 28, 2025 Erie, PA 16504
$92 $1,102 Progressive 26 No February 22, 2024 Erie, PA 16508
$92 $1,106 Progressive 25 No July 16, 2024 Erie, PA 16504
Last Updated May 5, 2025

Cheapest car insurance for mature drivers in Erie (30-54 years old)

Drivers between the ages of 30 and 54 typically pay lower insurance rates than younger drivers. Here are the cheapest quotes that mature drivers in Erie have received, based on Jerry’s quote data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$36 $428 Gainsco 40 No May 3, 2025 Erie, PA 16510
$37 $446 National General 49 No January 21, 2025 Erie, PA 16509
$39 $464 Progressive 30 No January 29, 2025 Erie, PA 16510
$57 $680 Progressive 39 Yes December 28, 2024 Erie, PA 16510
$58 $698 Bristol West 34 No February 15, 2024 Erie, PA 16509
Last Updated May 5, 2025

Cheapest car insurance for older drivers in Erie (55+ years old)

Drivers aged 55 and older usually pay a lower rate, but premiums typically rise when a driver hits 70 years old. Here are the cheapest quotes for older drivers in Erie, based on Jerry’s data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501 Yes
$44 $528 Bristol West 57 January 24, 2024 Erie, PA 16511 No
$71 $852 Progressive 57 July 5, 2024 Erie, PA 16502 No
$73 $872 Gainsco 68 March 8, 2024 Erie, PA 16508 No
$83 $996 Progressive 55 March 5, 2025 Erie, PA 16509 Yes
Last Updated May 5, 2025

Cheapest car insurance for drivers with clean records in Erie

Drivers with clean records typically get the best rates. Here are the cheapest quotes that drivers in Erie have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$36 $428 Gainsco 40 May 3, 2025 No Erie, PA 16510
$37 $446 National General 49 January 21, 2025 No Erie, PA 16509
$39 $464 Progressive 30 January 29, 2025 No Erie, PA 16510
$58 $698 Bristol West 34 February 15, 2024 No Erie, PA 16509
$62 $748 Progressive 45 June 28, 2024 No Erie, PA 16504
$73 $872 Gainsco 68 March 8, 2024 No Erie, PA 16508
$80 $958 Progressive 21 April 28, 2025 No Erie, PA 16504
$81 $970 National General 33 December 19, 2024 No Erie, PA 16509
$84 $1,004 Progressive 65 March 30, 2025 Yes Erie, PA 16504
$85 $1,016 The General 36 November 28, 2023 No Erie, PA 16503
Last Updated May 5, 2025

Cheapest car insurance for drivers with low credit scores in Erie

Pennsylvania allows insurers to use credit scores to help determine premiums, and drivers with low credit scores typically pay higher prices. Since insurers have different pricing models, shopping around can yield savings on your car insurance. Here are the cheapest quotes that drivers in Erie with low credit scores have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $37 $446 National General 49 January 21, 2025 Erie, PA 16509
<550 $41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
<550 $77 $918 Dairyland 25 July 7, 2024 Erie, PA 16510
<550 $81 $970 National General 33 December 19, 2024 Erie, PA 16509
<550 $84 $1,004 National General 36 June 2, 2024 Erie, PA 16502
Last Updated May 5, 2025

Cheapest car insurance for drivers with at-fault accidents in Erie

An accident typically results in a more expensive insurance premium, but each insurer has its own method for calculating this increase, so it’s wise to rate shop before your policy renews to get the best price. These are the cheapest quotes that drivers with at-fault accidents in Erie have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $44 $528 Bristol West 57 No January 24, 2024 Erie, PA 16511
At Fault With No Injury $44 $528 Progressive 27 No May 15, 2024 Erie, PA 16509
At Fault With No Injury $57 $680 Progressive 39 Yes December 28, 2024 Erie, PA 16510
At Fault With No Injury $77 $918 Dairyland 25 Yes July 7, 2024 Erie, PA 16510
At Fault With No Injury $97 $1,166 Progressive 47 No April 19, 2024 Erie, PA 16502
Last Updated May 5, 2025

Cheapest car insurance for drivers with speeding tickets in Erie

A speeding citation typically causes an increase in your insurance premium. These are the cheapest quotes that drivers with speeding tickets in Erie have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $77 $918 Dairyland 25 July 7, 2024 Erie, PA 16510
Speeding over 15 $91 $1,086 National General 37 June 9, 2024 Erie, PA 16504
Speeding over 15 $108 $1,302 Embark General 24 February 26, 2025 Erie, PA 16507
Speeding under 15 $111 $1,336 Progressive 36 August 25, 2024 Erie, PA 16506
Speeding over 15 $119 $1,432 The General 28 November 24, 2023 Erie, PA 16503
Last Updated May 5, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.