Erie Car Insurance – 2024 Rates + Cheapest to Insure

• Erie car insurance cost averages $1,730 per year, or about $144 per month, for a full-coverage policy.
• Auto insurance rates for a few popular models in Erie include the Hyundai Elantra at $157 per month, Chevrolet Equinox at $133, and Jeep Grand Cherokee at $144.
• For cheap auto insurance in Erie, Pennsylvania, compact crossovers and SUVs like the Mazda CX-5, Volkswagen Tiguan, Hyundai Venue, and Subaru Crosstrek cost less than most other vehicles.
• A few models with the most affordable car insurance in Erie in their segment include the Nissan Titan, Chevrolet Tahoe, Acura Integra, Honda Passport, and Jaguar E-Pace.

How much is car insurance in Erie, PA?

Average auto insurance cost in Erie is $1,730 per year, which is 8.5% less than the overall national average rate of $1,883. The average monthly cost of car insurance in Erie is $144 for a full coverage policy.

In the state of Pennsylvania, the average car insurance expense is $1,842 per year, so the average cost in Erie is $112 less per year. When prices are compared to other cities in Pennsylvania, the average cost to insure a vehicle in Erie is around $36 per year cheaper than in Pittsburgh, $80 per year less than in Reading, and $112 per year cheaper than in Allentown.

The chart below goes into more detail for drivers age 20 to 60 by including rates for three different policy deductible limits. These extra rates can help you understand how car insurance cost increases with lower deductibles, and decreases when the policy has higher deductibles.

The average cost of auto insurance per month in Erie is $144, and ranges from $101 to $337 for the driver ages and deductible levels shown in the chart above.

Auto insurance rates can be extremely variable and are impacted by many factors. Since there is so much rate volatility, this emphasizes the need to get accurate car insurance quotes when shopping around for the cheapest car insurance policy.

The age of the driver has the biggest impact on the price you pay for car insurance. The list below illustrates these differences by showing the difference in average car insurance rates based on the age of the driver.

Erie, PA, car insurance cost for drivers age 16 to 60

• 16 year old – $6,162 per year or $514 per month
• 17 year old – $5,969 per year or $497 per month
• 18 year old – $5,349 per year or $446 per month
• 19 year old – $4,873 per year or $406 per month
• 20 year old – $3,480 per year or $290 per month
• 30 year old – $1,846 per year or $154 per month
• 40 year old – $1,730 per year or $144 per month
• 50 year old – $1,536 per year or $128 per month
• 60 year old – $1,438 per year or $120 per month

The rates listed above for teenage drivers used a male as the rated driver. The next chart gets more specific and separates average car insurance cost for teenagers by gender. Females are generally cheaper to insure, especially up to age 20.

Auto insurance for a female 16-year-old driver in Erie costs an average of $403 less per year than male drivers, while at age 19, the cost is still $753 less per year.

The cost to insure popular vehicles in Erie

The auto insurance rates mentioned up to this point are the average cost across all 2024 model year vehicles, which is suitable for making big picture comparisons like the cost difference between two locations. Average car insurance rates are excellent when answering questions like “are auto insurance rates in Erie cheaper than in Philadelphia?” or “are auto insurance rates in Pennsylvania cheaper than in Colorado?”.

For deeper cost comparisons, however, we will get better data if we look at the specific vehicle being insured. Each make and model has it’s own exposure profile for determining car insurance prices and this data makes it possible to perform cost comparisons.

The chart below displays average insurance rates in Erie for some of the more popular models.

Which cars have cheap insurance in Erie, Pennsylvania?

When rates are compared for all models, the vehicles with the most affordable auto insurance rates in Erie, PA, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average car insurance quotes for those models cost $1,406 or less per year, or $117 per month, for full coverage car insurance.

A few other models that are ranked high in our car insurance price comparison are the Acura RDX, Buick Envista, Volkswagen Tiguan, and Nissan Murano.

The average insurance cost is somewhat higher for those models than the small SUVs that rank near the top, but they still have average rates of $1,484 or less per year ($124 per month) in Erie.

The table below breaks down the vehicles with the cheapest overall insurance rates in Erie, sorted by average cost.

A list of 25 vehicle models with cheap Erie car insurance doesn’t really provide a detailed summary of the cost of car insurance in Erie. A better way to analyze car insurance rates for many more vehicles is by breaking them out by automotive segment.

The section below discusses the average cost of auto insurance for each different vehicle segment. The average rates shown should provide a good understanding of which types of cars, trucks, and SUVs that have the overall best Erie car insurance rates. After the chart, the next six sections break out the cheapest rates for individual models in each unique segment.

Car insurance rates by automotive segment

If you’re shopping around for a different vehicle, it’s a good idea to know which types of vehicles have more affordable auto insurance rates in Erie.

For example, you may be curious if midsize SUVs are cheaper to insure than small SUVs or if full-size pickups are cheaper to insure than midsize pickups.

The chart below shows average auto insurance rates by segment in Erie. Typically, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the least expensive average rates, while exotic high-performance models have the most expensive insurance.

Auto insurance rates by segment are handy to make a general comparison, but rates range quite significantly within each vehicle segment shown above.

For example, in the midsize luxury car segment, average Erie insurance rates range from the Lexus IS 300 costing $1,782 per year for full coverage insurance to the BMW M8 costing $2,916 per year.

As another example, in the large truck segment, rates range from the Nissan Titan at $1,620 per year to the Toyota Tundra costing $2,058 per year, a difference of $438 within that segment.

In the following sections, we will remove much of this variability by looking at the cost of auto insurance in Erie for specific vehicles.

Cheapest car insurance rates in Erie, PA

Ranking at the top for the lowest-cost Erie auto insurance rates in the sedan or hatchback segment are the Subaru Impreza, Honda Civic, Nissan Sentra, Toyota GR Corolla, and Nissan Leaf. Rates for these vehicles average $1,592 or less per year, or around $133 per month.

Other cars that have affordable insurance rates are the Hyundai Ioniq 6, Kia K5, Toyota Prius, and Honda Accord, with an average cost to insure of $1,676 per year or less.

Additional models that make the list include the Toyota Corolla, Mitsubishi Mirage G4, Volkswagen Arteon, Kia Forte, and Subaru Legacy, which average between $1,676 and $1,790 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage auto insurance in Erie on this segment for a good driver will start around $125 per month, depending on your location and insurance company.

The lowest-cost compact car to insure in Erie is the Toyota GR Corolla at $1,504 per year. For midsize 2024 models, the Hyundai Ioniq 6 has the best rates at $1,590 per year. And for large cars, the Chrysler 300 has the best rates at $1,642 per year.

The comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Erie, starting with the Toyota GR Corolla at $125 per month and ending with the Mazda 3 at $149 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Erie car insurance quotes from top car insurance companies in Pennsylvania.

Cheapest SUVs to insure in Erie

Taking the top ranking in Erie for cheapest average insurance in the non-luxury SUV segment is the Subaru Crosstrek, with a cost of $1,278 per year. Second place is the Chevrolet Trailblazer costing $1,302 per year, and the third most affordable is the Kia Soul, at an average of $1,352 per year.

Not the cheapest, but still very affordable, are models like the Buick Envision, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with average insurance cost of $1,420 per year or less.

From a cost per month standpoint, auto insurance rates in Erie on this segment for a safe driver starts at an average of $107 per month, depending on the company and where you live.

When the SUV segment is analyzed by vehicle size, the most budget-friendly non-luxury compact SUV to insure in Erie is the Subaru Crosstrek at $1,278 per year, or $107 per month. For midsize 2024 models, the Honda Passport has the best rates at $1,376 per year, or $115 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the most affordable rates at $1,628 per year, or $136 per month.

The comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Erie, starting with the Subaru Crosstrek at $107 per month and ending with the Honda HR-V at $126 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Erie car insurance quotes from top car insurance companies in Pennsylvania.

Cheapest sports cars to insure in Erie, Pennsylvania

Ranking highest for the most affordable Erie car insurance rates in the performance and sports car segment are the Subaru WRX, Ford Mustang, Mazda MX-5 Miata, Toyota GR86, and BMW Z4. Car insurance rates for these vehicles average $1,940 or less per year, or around $162 per month.

Additional sports cars that rank well are the Lexus RC F, Toyota GR Supra, Subaru BRZ, and Nissan Z, with average cost of $2,068 per year or less.

On a monthly basis, full-coverage insurance on this segment in Erie starts at around $134 per month, depending on your company and location. The table below ranks the twenty sports cars with the most affordable insurance in Erie, starting with the Mazda MX-5 Miata at $1,602 per year and ending with the Porsche Taycan at $2,932 per year.

Don’t see rates for your sports car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Pennsylvania.

Cheapest pickup trucks to insure

The Chevrolet Colorado ranks #1 as the most affordable pickup to insure in Erie, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,482 per year for a policy with full coverage.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the GMC Sierra 2500 HD, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average rates of $1,780 per year or less.

From a monthly standpoint, full-coverage car insurance in this segment starts at an average of $124 per month, depending on where you live.

The table below ranks the pickups with the lowest-cost insurance rates in Erie.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Looking for rates for a different pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Pennsylvania.

Cheapest luxury car insurance rates

The four most affordable luxury car models to insure in Erie are the Acura Integra at $1,540 per year, BMW 330i at $1,764 per year, Mercedes-Benz CLA250 at $1,782 per year, and Lexus IS 300 at $1,782 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Genesis G70, Cadillac CT4, Lexus ES 350, and Lexus RC 300, with an average car insurance cost of $1,820 per year or less.

Ranked in the lower half of the top 20, models like the Lexus ES 300h, Audi S3, BMW 228i, BMW 330e, and Lexus ES 250 average between $1,820 and $1,942 per year for insurance in Erie.

Auto insurance rates in this segment for a good driver can cost as low as $128 per month, depending on the company.

If ranked by vehicle size, the most affordable small luxury car to insure in Erie is the Acura Integra at $1,540 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,782 per year. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,050 per year.

The rate comparison table below ranks the luxury cars with the lowest-cost insurance rates in Erie, starting with the Acura Integra at $1,540 per year and ending with the Audi S3 at $1,942 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Erie car insurance quotes from top-rated companies in Pennsylvania.

Cheapest luxury SUV insurance rates

The #1 ranking in Erie for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, with an average cost of $1,448 per year. Second place is the Lexus NX 250 at $1,532 per year, the third most affordable is the Cadillac XT4, at an average of $1,564 per year, and ranking fourth is the Jaguar E-Pace, costing an average of $1,618 per year.

Not the cheapest to insure, but still ranked well, are models like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with average insurance cost of $1,668 per year or less.

Ranked from 10th to 20th place, models like the Infiniti QX60, Lexus RX 350, Cadillac XT6, Infiniti QX50, and Land Rover Evoque average between $1,668 and $1,736 to insure per year in Erie.

As a cost per month, auto insurance in this segment for the average driver starts at around $121 per month, depending on where you live.

The table below ranks the luxury SUVs with the most affordable average car insurance rates in Erie, starting with the Acura RDX at $1,448 per year and ending with the Lexus NX 350 at $1,736 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Erie car insurance quotes from top-rated car insurance companies in Pennsylvania.

The highs and lows of car insurance

In an effort to clarify the amount car insurance cost can deviate for different drivers (and also underscore the importance of getting price quotes from multiple companies), the sections below have detailed rates for four popular models in Erie: the Nissan Sentra, Nissan Rogue, Toyota Highlander, and Honda Accord.

The example for each vehicle displays average rates for different driver profiles to show the cost difference based on a number of different rated drivers.

Nissan Sentra insurance rates

In Erie, Nissan Sentra insurance averages $1,584 per year, or around $132 per month, and has a range of $1,316 to $3,602 annually for the driver characteristics in the next insurance cost chart.

The Nissan Sentra is classified as a compact car, and other models in that segment include the Hyundai Elantra, Volkswagen Jetta, and Honda Civic.

Nissan Rogue insurance rates

Nissan Rogue insurance in Erie averages $1,556 per year (about $130 per month) and has a range of $1,294 to $3,552 for the sample risk profiles in the chart shown below.

The Nissan Rogue belongs to the compact SUV segment, and other models in the same segment include the Honda CR-V, Subaru Forester, Chevrolet Equinox, and Ford Escape.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Erie averages $1,572 per year, or around $131 per month, and varies from $1,310 to $3,598 annually.

The Toyota Highlander is considered a midsize SUV, and other popular models include the Kia Sorento, Ford Edge, Kia Telluride, and Jeep Grand Cherokee.

Honda Accord insurance rates

Honda Accord insurance in Erie costs an average of $1,672 per year, or about $139 per month, and has a range of $1,388 to $3,844 per year.

The Honda Accord is considered a midsize car, and other similar models include the Nissan Altima, Hyundai Sonata, and Chevrolet Malibu.

Helpful tips to save on auto insurance

Erie drivers are always searching for ways to reduce the monthly expense for insurance So run through the tips in the list below and maybe you can save a little cash on your next policy.

• Your choice of occupation could save you money. The large majority of car insurance companies offer discounts for being employed in occupations like college professors, nurses, accountants, architects, members of the military, and others. If you qualify, you could save between $52 and $168 on your car insurance premium, depending on your age.
• Compare car insurance rates before buying a car. Different vehicle models can have significantly different car insurance rates, and insurance companies can price policies with a wide range of costs. Check rates before you buy in order to avoid any surprises when buying coverage for your new car.
• Qualify for discounts to lower insurance cost. Discounted rates may be available if the insureds insure their home and car with the same company, belong to certain professional organizations, drive a vehicle with safety or anti-theft features, are accident-free, insure multiple vehicles on the same policy, or many other discounts which could save the average Erie driver as much as $292 per year on their insurance cost.
• Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Violations and tickets cost more than a fine. If you want to get the cheapest auto insurance in Erie, it’s necessary to be an excellent driver. As a matter of fact, just a couple minor moving violations have the consequences of increasing insurance policy rates by at least $462 per year.
• If your car is older, remove unneeded coverages. Removing physical damage coverage from older vehicles will reduce the cost of car insurance considerably.