For a 40-year-old driver with a clean record, car insurance in Erie, PA, averages about $189 a month ($2,268 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 7% under Pennsylvania’s $204 monthly average. Erie Insurance has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $154 a month.
Erie costs a little less than Pittsburgh and about 7% less than the Pennsylvania average: full coverage for our benchmark driver runs about $189 a month, $3 below Pittsburgh. Use these figures as a benchmark when you compare car insurance quotes in Erie, PA.
Our data covers 10 Erie ZIP codes, including Millcreek Township. Erie Insurance is headquartered in the city, and among the five major insurers we compared it has the lowest full-coverage average here.
Cost data comes from the auto rates insurers file with state regulators, priced across all 10 Erie ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Erie, PA, runs about $189 a month ($2,268 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $52 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 7% lower.
Erie Insurance has the lowest full-coverage average among the five insurers in our Erie rate data. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie Insurance, Encova and State Farm. Four of the seven price Travelers below Erie Insurance, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, averages run from about $28 to $89 a month among these five insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Erie
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Erie Insurance | $341 | $28 | $1,848 | $154 |
| Progressive | $507 | $42 | $2,152 | $179 |
| GEICO | $577 | $48 | $2,263 | $189 |
| State Farm | $639 | $53 | $2,367 | $197 |
| Allstate | $1,062 | $89 | $2,714 | $226 |
| Travelers* | $415 | $35 | $1,539 | $128 |
| Nationwide* | $581 | $48 | $1,849 | $154 |
| Westfield Insurance* | $258 | $22 | $2,129 | $177 |
| USAA (military families)* | $531 | $44 | $2,314 | $193 |
| Erie average | $625 | $52 | $2,268 | $189 |
This table uses Erie ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 10 Erie ZIP codes we price, full coverage for our driver ranges from about $180 a month in 16506 and 16509 to $203 in 16503, a gap of $282 a year. Millcreek ZIP codes 16506 and 16509 are the cheapest in our data, while 16503 and 16507, on the city’s east side and bayfront, are the most expensive.
Lowest-priced Erie ZIP codes
Highest-priced Erie ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Erie’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 16502 | $631 | $53 | $2,355 | $196 | +4% |
| 16503 | $655 | $55 | $2,440 | $203 | +7% |
| 16504 | $645 | $54 | $2,291 | $191 | +1% |
| 16505 | $619 | $52 | $2,196 | $183 | -3% |
| 16506 | $592 | $49 | $2,158 | $180 | -5% |
| 16507 | $648 | $54 | $2,387 | $199 | +5% |
| 16508 | $635 | $53 | $2,258 | $188 | -1% |
| 16509 | $598 | $50 | $2,162 | $180 | -5% |
| 16510 | $613 | $51 | $2,206 | $184 | -3% |
| 16511 | $618 | $52 | $2,232 | $186 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $64 a year on average in our Erie data, with the same $500 deductibles. That’s about $5 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie Insurance charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Erie ZIP codes, full coverage averaged $2,315 a year nine months earlier and $2,268 in rates as of Aug. 31, 2026, a 2.0% drop. State Farm cut its Erie average 10.0% and Progressive 1.7%, while Allstate raised its average 2.6%; Erie Insurance’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 4.6%.
Erie is a mid-sized city, and its rates come in below both Philadelphia’s and Pittsburgh’s. Erie County averages about $193 a month for full coverage in our data, just above the city.
Winters are the big local risk. Lake-effect snow off Lake Erie makes for slick roads, so comprehensive and collision coverage earn their keep here even though full coverage costs less than the state average.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Pittsburgh, the nearest city we publish a guide for, is about 117 miles south and costs about $3 a month more. Every other Pennsylvania city we publish a guide for is more than 200 miles away. Closer to home, North East averages about $194 a month, Edinboro $198 and Corry $211, and Meadville, in Crawford County, $203. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Erie follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $625 a year ($52 a month) in Erie, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $2,204 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in Erie, PA, costs about $189 a month ($2,268 a year) for full coverage and $52 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s 7% below the Pennsylvania average of $204 a month.
Erie Insurance has the lowest full-coverage average among the five major insurers we compared in Erie, at about $154 a month, followed by Progressive at $179. Travelers, which we list with a *, comes in lower in our table. For liability-only coverage, averages run from about $28 to $89 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
Slightly. In our data, Erie full coverage averages about $189 a month, about $3 a month less than Pittsburgh ($192) for the same driver and car, and about 7% below the Pennsylvania average.
In our data, 16506 and 16509 share the lowest full-coverage average in Erie, at about $180 a month, and 16503 the highest, at about $203. The ZIP code table on this page lists all 10.
In our Erie data, full coverage (100/300/100 with $500 deductibles) averages about $189 a month and liability-only coverage at 15/30/5 limits about $52, a difference of about $137 a month ($1,643 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Erie must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Erie full coverage fell 2.0% over the past nine months, from about $2,315 to $2,268 a year. State Farm cut its Erie average 10.0% and Progressive 1.7%, while Allstate raised its average 2.6%. Liability-only coverage at 15/30/5 limits rose 0.5%.
For our benchmark driver, full coverage in Erie averages about $189 a month. Nearby, Pittsburgh averages about $192, Harrisburg about $170 and York about $170. Harrisburg and York are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
