Does Erie offer any discounts or incentives for safe driving?
Erie offers many discounts or incentives for safe driving, including a $0 deductible award if you are a safe driver with no claims or traffic violations in five years. You can also earn cash rewards through the Erie YourTurn® Rewards Program. Teen drivers can earn discounts from Erie by passing a defensive driving course.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Jul 12, 2023
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UPDATED: Jul 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Safe drivers who do not have any accidents, traffic infractions, or insurance claims over five years may reduce their deductible to $0
- Teen drivers under the age of 21 get a discount by passing a defensive driving course
- The YourTurn® Rewards Program pays cash rewards for safe driving
Does Erie offer any discounts or incentives for safe driving? In our Erie Insurance Review, we found that the company reduces deductibles automatically for policyholders who remain accident-free for five years.
If you maintain Erie insurance for 15 years, your rates will not be subject to an increased surcharge if you have an accident.
Erie Insurance also offers a defensive driver discount for teens (under 21 years old) who complete a defensive driving course. For incentives, the company has the YourTurn® Rewards Program and a deductible reduction reward.
This guide explores all of the discounts and incentives Erie Insurance offers for safe driving.
Erie Insurance Deductible Reduction
For each year of safe driving, up to five consecutive years, your deductible reduces by $100. So, if you start with a $500 car insurance deductible, after five years without an accident, infraction, or claim, you will have a $0 deductible.
You may also consider increasing your deductible to lower your Erie car insurance rates if you know you can qualify for a reduction every year.
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Erie Insurance Discount for Safe Driving with the YourTurn® Rewards Program
Erie offers a unique rewards program called YourTurn®. Auto insurance policyholders download the smartphone app and sign up for the tracking service. The app monitors your driving behavior. The company gives cash rewards every two weeks for safe driving,
How the Erie YourTurn® Program Works for Safe Drivers
After collecting two weeks of driving data, the program analyzes driving behaviors to determine driving smoothness. Your score will be better if you do not use hard braking, rapid acceleration, and hard cornering.
If you obey the speed limit, you will get a better score. The app also tracks phone use while driving based on movement and screen activation, and not using your phone while driving decreases distracted driving, improving your score.
Within the first month of using the app, drivers reduce phone distraction by an average of 30%. Hard braking decreases by 20%, with a 20% reduction in at-risk speeding.
The app features include your trip scores that show a list of recent trips and the score for each one. An optional feature lets you see your family members’ scores and view their latest location.
There are leaderboards to show how you rank against peers for phone distractions and speeding. You can monitor how you are trending, compare your best scores with others, and get cash rewards for achieving high scores and digital badges as milestones for safer driving.
The cash rewards are paid for the high scores every two weeks and posted to your choice of 25 gift cards. Alternatively, you can donate your earned rewards to charity.
Erie Insurance Driver Training Discount for 21 and Younger
If you are a young person under the age of 21, you can get a discount on Erie auto insurance by passing an accredited defensive-driving course.
Erie Insurance will ask for a certification proving young drivers passed the course, but this discount can help save money when searching for the best auto insurance for young adults.
Other Car Insurance Discounts from Erie
Erie has other discount programs, too. For example, you can save money by bundling insurance policies. Erie offers up to 20% off your car insurance rates if you bundle your Erie home and auto policies, and you can combine these savings with Erie safe driving discounts.
Frequently Asked Questions
How do young drivers get an Erie car insurance discount?
Young people can take an accredited defensive-driving course to get a discount. Also, rates gradually decrease each year a young driver goes without an accident or making a claim until age 24 when the policy switches to a mature driver category with lower rates.
Does Erie have discounts for older drivers?
The incentives for older drivers are to reduce deductibles by $100 per year up to a total of a $500 deductible reduction for safe driving.
Can any auto policyholder join the YourTurn® program?
Yes, this rewards program is available to everyone except Washington, DC, Kentucky, North Carolina, and New York drivers.
Are you looking for free insurance quotes?
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.