Cheap Car Insurance in Erie, PA
Everything You Need to Know about Auto Insurance in Pennsylvania
Located in northwestern Pennsylvania, Erie is known for its proximity to Lake Erie and its strong manufacturing heritage with a focus on steel and railroad production.
Some of Erie’s most popular attractions include Presque Isle State Park, Erie Maritime Museum, Splash Lagoon Indoor Water Park Resort, the Erie Zoo, and the Tom Ridge Environmental Center.
If you want to drive legally in Erie, you must have active auto insurance in Pennsylvania. Continue reading to learn more about Erie auto insurance, including rate comparisons to other cities, penalties for driving without insurance, and a sampling of discounts available.
How Much Does Car Insurance Cost in Erie, PA?
Erie residents pay an average monthly liability-only premium of $30 and an average total coverage premium of $120. That’s lower than the national average of $52 and $168, respectively.
What Does It Mean If Pennsylvania Is No-Fault?
Pennsylvania is a no-fault state, which means all drivers are paid by their insurance company for things like medical expenses, no matter who is at-fault in an accident.
All drivers must carry liability insurance to cover this type of scenario, including any injury and property damage.
For the latest news on all of Pennsylvania’s insurance requirements, check with the Pennsylvania Department of Transportation or consult your provider.
Getting a Free Auto Insurance quote with Freeway is easy!
Affordable Car Insurance Rates Comparison by Cities in Pennsylvania
To learn the average monthly premiums paid in cities throughout the state of Pennsylvania, refer to our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Erie | $120 | $30 |
| Allentown | $130 | $30 |
| Lancaster | $110 | $30 |
| Philadelphia | $210 | $50 |
| Pittsburgh | $120 | $30 |
Affordable Erie Car Insurance Rates by Zip Code
Zip codes in Erie and surrounding areas pay different premiums thanks to varying claims rates, vandalism rates, and frequency of other scenarios that increase or decrease coverage risk in any region.
For the average monthly premium paid by Erie residents by zip code, see our breakdown below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 16428 | $70 | $30 |
| 16501 | $170 | $30 |
| 16502 | $120 | $30 |
| 16503 | $130 | $30 |
| 16504 | $110 | $30 |
| 16505 | $100 | $30 |
Low-Cost Car Insurance Rates by Age in Erie
Younger drivers will almost always pay higher premiums than drivers in their 30s, 40s, and 50s. Reasons for this include reliance on sportier or high-performance vehicles, a lack of a driving record, a higher rate of distracted driving, and overall riskier driving behaviors that insurance companies frown upon.
For the average monthly premium paid by Erie residents by age, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $260 | $100 |
| 20s | $160 | $30 |
| 30s | $100 | $30 |
| 40s | $90 | $30 |
| 50s | $90 | $30 |
| 60s | $90 | $30 |
| 70s | $110 | $30 |
* Methodology: The following demographic profile was used to determine average monthly premiums for this guide: a 30-year-old male with the minimum liability limits required by Pennsylvania state drivers. Many factors go into calculating the cost of your premium, such as vehicle type, coverage levels, location, credit score, and number of annual miles driven.
Driving Conditions in Erie
How Many Fatal Accidents Happen in Erie?
In 2021, there were eight fatal road traffic accidents in Erie involving a total of 11 vehicles and 16 people, resulting in eight fatalities.
How Are the Road Infrastructure and Bridges in Erie?
Erie’s Public Works department consists of many divisions focused on maintaining all of the city’s roads and infrastructure, with the primary responsibility falling under its Traffic Engineering Division. They are responsible for maintaining all traffic control signals and more than 300 regional roadways.
For more information on Erie’s Public Works programs, visit The City of Erie – Department of Public Works.
Minimum Car Insurance Requirements in Erie
Here are the liability-only requirements for all Pennsylvania drivers:
- Bodily Injury or Death for One Person: $15,000
- Bodily Injury or Death for Multiple People: $30,000
- Property Damage Per Accident: $5,000
- Personal Injury Protection (PIP): $5,000
What Are the Penalties for Driving Without Insurance in Erie, PA?
Penalties for driving without insurance in Erie are steep and severe:
- Minimum fine of $300 and up to $1,000 for repeated offenses
- 3-month driver’s license and registration suspension
- $79 restoration fee
While a car is under registration suspension, nobody else can drive it either. Which means the vehicle is effectively out of commission until the matter is resolved.
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Factors Allowed in Erie Car Insurance Rates
To determine how much you pay in premiums, providers use the following factors (not an all-inclusive list):
- Driving record
- Vehicle make and model
- Coverage and deductibles
- Credit score
- Deductible and coverage levels
- Age and marital status
- Annual mileage
- Occupation
Of these, your driving record is the biggest factor. Anyone with multiple at-fault accidents, DUI convictions, or traffic violations on their record will pay much higher premiums than drivers with clean driving records.
Here’s What You Need to Know When Driving in Pennsylvania
Here are some interesting stats and facts you may have been unaware of in Pennsylvania:
- Winter Weather. Pennsylvania sees harsh winters, so using snow tires for improved tractions on icy roads is recommended.
- Low Estimated Percentage of Uninsured Motorists. According to the Insurance Information Institute (III), Pennsylvania has one of the lowest percentage of uninsured drivers in the nation (6%). For perspective, the state with the highest percentage of uninsured motorists is Mississippi (29.4%).
- No SR-22 Requirement. Pennsylvania is one of 12 states that does not require an SR-22 after driving violations like DUIs or lapsed insurance.
Be well-versed in all of Pennsylvania’s driving laws to minimize your chances of filing a claim and driving up the cost of your premiums.
What are the Best Discounts for Car Insurance in Erie, PA?
There are many discounts Erie, Pennsylvania drivers can take advantage of, including but not limited to the following:
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Paid-in-full
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Autopay and paperless billing
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Arguably, the two most popular discounts available are good driver and multi-policy discounts, which reward policyholders for safe driving records and purchasing two or more policies under the same provider.
It’s highly recommended to call your provider every couple of months to see if you qualify for any new deals. Even a simple phone call could result in $20 or $30 off your monthly bill.
Get an Online Quote for Car Insurance in Erie Today!
Looking for coverage? Freeway Insurance is ready, willing, and able to help you explore all of your options.
To get started with Freeway Insurance, visit us online, at an Erie office near you or call (800) 777-5620 to receive a quote in less than 10 minutes. A new and more affordable policy could be minutes away!