Cheap Car Insurance in Erie, PA (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 9, 2025
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Cheap Car Insurance in Erie, PA (July 2025)

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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 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 Policy
City, State
ZIP Code
$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
$42 $502 National General 39 December 28, 2024 Erie, PA 16510
$42 $506 National General 58 July 7, 2025 Erie, PA 16506
$43 $520 Embark General 68 March 8, 2024 Erie, PA 16508
$44 $528 Bristol West 57 January 24, 2024 Erie, PA 16511
$44 $528 Progressive 27 May 15, 2024 Erie, PA 16509
$44 $532 Progressive 48 August 15, 2024 Erie, PA 16510
$48 $580 National General 35 January 25, 2025 Erie, PA 16510
Last Updated Jul 9, 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.

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 Policy
City, State
ZIP Code
$33 $398 Progressive 28 September 28, 2024 Erie, PA 16508
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501
$61 $736 Progressive 50 April 2, 2025 Erie, PA 16508
$72 $868 First Acceptance 33 June 23, 2025 Erie, PA 16508
$75 $904 Progressive 33 July 7, 2025 Erie, PA 16508
$76 $906 National General 55 March 5, 2025 Erie, PA 16509
$76 $916 Progressive 38 May 24, 2025 Erie, PA 16509
$84 $1,004 National General 36 June 2, 2024 Erie, PA 16502
$94 $1,126 Progressive 31 November 7, 2024 Erie, PA 16508
$95 $1,144 Progressive 49 January 11, 2025 Erie, PA 16509
Last Updated Jul 9, 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
$33 $398 Progressive 28 Yes September 28, 2024 Erie, PA 16508
$44 $528 Progressive 27 No May 15, 2024 Erie, PA 16509
$56 $676 Progressive 28 No April 4, 2025 Erie, PA 16507
$60 $718 National General 26 No May 9, 2025 Erie, PA 16511
$65 $776 First Acceptance 25 No June 19, 2025 Erie, PA 16504
Last Updated Jul 9, 2025

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 Policy
City, State
ZIP Code
$37 $446 National General 49 No January 21, 2025 Erie, PA 16509
$39 $464 Progressive 30 No January 29, 2025 Erie, PA 16510
$42 $502 National General 39 No December 28, 2024 Erie, PA 16510
$44 $532 Progressive 48 No August 15, 2024 Erie, PA 16510
$52 $628 First Acceptance 33 No December 19, 2024 Erie, PA 16509
Last Updated Jul 9, 2025

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 Policy
City, State
ZIP Code
Has Full Coverage
$41 $492 Progressive 57 October 18, 2024 Erie, PA 16501 Yes
$42 $506 National General 58 July 7, 2025 Erie, PA 16506 No
$43 $520 Embark General 68 March 8, 2024 Erie, PA 16508 No
$44 $528 Bristol West 57 January 24, 2024 Erie, PA 16511 No
$57 $682 Progressive 55 March 5, 2025 Erie, PA 16509 No
Last Updated Jul 9, 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
$33 $398 Progressive 28 September 28, 2024 Yes Erie, PA 16508
$37 $446 National General 49 January 21, 2025 No Erie, PA 16509
$39 $464 Progressive 30 January 29, 2025 No Erie, PA 16510
$44 $532 Progressive 48 August 15, 2024 No Erie, PA 16510
$48 $580 National General 35 January 25, 2025 No Erie, PA 16510
$53 $632 First Acceptance 34 February 10, 2025 No Erie, PA 16507
$57 $684 Progressive 31 June 4, 2024 No Erie, PA 16502
$58 $694 Gainsco 35 July 13, 2024 No Erie, PA 16507
$58 $698 Bristol West 34 February 15, 2024 No Erie, PA 16509
$58 $698 Progressive 32 March 3, 2025 No Erie, PA 16511
Last Updated Jul 10, 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 $58 $694 Gainsco 35 July 13, 2024 Erie, PA 16507
<550 $67 $798 First Acceptance 40 October 25, 2024 Erie, PA 16502
<550 $68 $810 Progressive 29 April 15, 2024 Erie, PA 16510
Last Updated Jul 10, 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 $42 $502 National General 39 No December 28, 2024 Erie, PA 16510
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 $56 $676 Progressive 28 No April 4, 2025 Erie, PA 16507
At Fault With No Injury $61 $726 National General 32 No April 1, 2025 Erie, PA 16507
Last Updated Jul 9, 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 $67 $808 First Acceptance 37 June 9, 2024 Erie, PA 16504
Speeding under 15 $68 $810 Progressive 29 April 15, 2024 Erie, PA 16510
Speeding over 15 $76 $916 Progressive 38 May 24, 2025 Erie, PA 16509
Speeding over 15 $101 $1,214 Dairyland 25 July 7, 2024 Erie, PA 16510
Speeding over 15 $110 $1,324 Embark General 24 February 26, 2025 Erie, PA 16507
Last Updated Jul 9, 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.