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 car insurance 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 car insurance quotes that drivers in Erie have received via Jerry for minimum coverage.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $21 | $246 | Progressive | 58 | March 9, 2025 | Erie, PA | 16509 |
| $21 | $256 | Progressive | 38 | June 17, 2025 | Erie, PA | 16510 |
| $36 | $432 | National General | 42 | June 20, 2025 | Erie, PA | 16503 |
| $37 | $442 | National General | 35 | June 12, 2025 | Erie, PA | 16507 |
| $37 | $446 | First Acceptance | 48 | June 29, 2025 | Erie, PA | 16509 |
| $41 | $490 | Embark General | 47 | June 29, 2025 | Erie, PA | 16502 |
| $44 | $530 | First Acceptance | 44 | June 26, 2025 | Erie, PA | 16503 |
| $48 | $570 | First Acceptance | 41 | June 2, 2025 | Erie, PA | 16502 |
| $49 | $588 | First Acceptance | 40 | June 20, 2025 | Erie, PA | 16502 |
| $57 | $686 | First Acceptance | 42 | May 6, 2025 | Erie, PA | 16507 |
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
Read more: Best car insurance companies
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $53 | $632 | Progressive | 38 | June 17, 2025 | Erie, PA | 16510 |
| $54 | $642 | Progressive | 38 | June 17, 2025 | Erie, PA | 16510 |
| $56 | $674 | Progressive | 47 | June 29, 2025 | Erie, PA | 16502 |
| $72 | $858 | Progressive | 51 | May 29, 2025 | Erie, PA | 16502 |
| $74 | $892 | Embark General | 44 | June 23, 2025 | Erie, PA | 16508 |
| $79 | $950 | Safeco | 58 | March 9, 2025 | Erie, PA | 16509 |
| $86 | $1,034 | National General | 41 | June 3, 2025 | Erie, PA | 16511 |
| $90 | $1,078 | Progressive | 44 | June 26, 2025 | Erie, PA | 16503 |
| $92 | $1,108 | Embark General | 34 | March 13, 2025 | Erie, PA | 16507 |
| $94 | $1,124 | First Acceptance | 49 | June 18, 2025 | Erie, PA | 16505 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $65 | $780 | Embark General | 28 | No | February 1, 2025 | Erie, PA | 16509 |
| $69 | $832 | The General | 26 | No | April 23, 2025 | Erie, PA | 16509 |
| $79 | $942 | Bristol West | 29 | No | March 12, 2025 | Erie, PA | 16508 |
| $79 | $944 | The General | 22 | No | March 6, 2025 | Erie, PA | 16503 |
| $91 | $1,092 | First Acceptance | 22 | No | March 6, 2025 | Erie, PA | 16506 |
More: Cheap car insurance for teens
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $27 | $324 | Safeco | 47 | No | June 29, 2025 | Erie, PA | 16502 |
| $36 | $432 | National General | 42 | No | June 20, 2025 | Erie, PA | 16503 |
| $37 | $442 | National General | 35 | No | June 12, 2025 | Erie, PA | 16507 |
| $37 | $446 | First Acceptance | 48 | No | June 29, 2025 | Erie, PA | 16509 |
| $44 | $530 | First Acceptance | 44 | No | June 26, 2025 | Erie, PA | 16503 |
Learn more: Cheap car insurance in Pennsylvania
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 seniors in Erie, based on Jerry’s data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $62 | $738 | Bristol West | 62 | April 3, 2025 | Erie, PA | 16503 | No |
| $79 | $950 | Safeco | 58 | March 9, 2025 | Erie, PA | 16509 | Yes |
| $95 | $1,142 | National General | 55 | February 22, 2025 | Erie, PA | 16508 | Yes |
| $98 | $1,178 | ROOT | 66 | July 8, 2025 | Erie, PA | 16508 | Yes |
| $108 | $1,296 | Progressive | 58 | July 7, 2025 | Erie, PA | 16506 | Yes |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $27 | $324 | Safeco | 47 | June 29, 2025 | No | Erie, PA | 16502 |
| $36 | $432 | National General | 42 | June 20, 2025 | No | Erie, PA | 16503 |
| $37 | $442 | National General | 35 | June 12, 2025 | No | Erie, PA | 16507 |
| $37 | $446 | First Acceptance | 48 | June 29, 2025 | No | Erie, PA | 16509 |
| $44 | $530 | First Acceptance | 44 | June 26, 2025 | No | Erie, PA | 16503 |
| $53 | $632 | Progressive | 38 | June 17, 2025 | Yes | Erie, PA | 16510 |
| $54 | $642 | Progressive | 38 | June 17, 2025 | Yes | Erie, PA | 16510 |
| $57 | $686 | First Acceptance | 42 | May 6, 2025 | No | Erie, PA | 16507 |
| $62 | $738 | Bristol West | 62 | April 3, 2025 | No | Erie, PA | 16503 |
| $65 | $780 | Embark General | 28 | February 1, 2025 | No | Erie, PA | 16509 |
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 | $52 | $628 | First Acceptance | 33 | December 19, 2024 | Erie, PA | 16509 |
| <550 | $58 | $694 | Gainsco | 35 | July 13, 2024 | Erie, PA | 16507 |
| <550 | $68 | $810 | Progressive | 29 | April 15, 2024 | Erie, PA | 16510 |
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 | $50 | $602 | National General | 27 | No | May 15, 2024 | Erie, PA | 16509 |
| At Fault With No Injury | $53 | $630 | First Acceptance | 61 | No | November 23, 2024 | Erie, PA | 16503 |
| At Fault With No Injury | $61 | $726 | National General | 32 | No | April 1, 2025 | Erie, PA | 16507 |
| At Fault With No Injury | $63 | $754 | Progressive | 45 | No | October 12, 2024 | Erie, PA | 16502 |
| At Fault With No Injury | $67 | $802 | National General | 27 | No | June 26, 2025 | Erie, PA | 16502 |
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 under 15 | $62 | $742 | First Acceptance | 33 | March 14, 2025 | Erie, PA | 16507 |
| Speeding under 15 | $68 | $810 | Progressive | 29 | April 15, 2024 | Erie, PA | 16510 |
| Speeding under 15 | $106 | $1,272 | National General | 36 | August 25, 2024 | Erie, PA | 16506 |
| Speeding over 15 | $116 | $1,390 | National General | 24 | February 26, 2025 | Erie, PA | 16507 |
| Speeding over 15 | $123 | $1,482 | Progressive | 37 | June 9, 2024 | Erie, PA | 16504 |
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.
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.
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.
