Will my car insurance rates increase if I file a claim with Erie? (2024)
Your car insurance rates will likely increase if you file a claim with Erie. On average, Erie insurance rates go up 41% after an accident, but it depends on various factors, such as driving record and who was at fault. However, the Erie Rate Lock feature can prevent rates from increasing after an accident.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Jun 5, 2024
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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.
UPDATED: Jun 5, 2024
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
- Erie Insurance’s Rate Lock can help prevent rate increases after a claim
- Erie weighs many factors when setting your rates, such as claims history
- Erie offers various ways to save money on car insurance premiums
You may be wondering, “Will my car insurance rates increase if I file a claim with Erie?” Yes, most of the best car insurance companies, Erie included, raise rates after you file a claim. Expect to see rates increase by around 41% after you file an Erie claim.
Keep reading to learn the answer to this question, as well as related tips with guidance on how to file a car insurance claim. If your rates went up after filing a claim with Erie and you need cheap car insurance, enter your ZIP code into our free quote comparison tool above to instantly compare costs from the top providers in your area.
Insurance Rates May Increase if You File a Car Insurance Claim With Erie
Will my insurance rates increase if I file a car insurance claim with Erie?
Yes, you’ll usually end up seeing higher rates if you file a claim with Erie, usually around 41% more. However, the amount your rates go up depends on various circumstances.
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In general, when you file a car insurance claim, your auto insurance company will weigh a number of factors, including:
- Who was at fault in the accident
- How badly your vehicle was damaged
- If you have made other claims before
Check out the table below to see how much you could pay for Erie insurance before and after an accident:
Full Coverage Car Insurance Monthly Rates for Clean Record vs. One Accident by Provider
| Insurance Company | Clean Record | One Accident | Dollar Increase | Percent Increase |
|---|---|---|---|---|
| Allstate | $160 | $225 | $65 | 41% |
| American Family | $117 | $176 | $59 | 50% |
| Erie | $58 | $82 | $24 | 41% |
| Farmers | $139 | $198 | $59 | 42% |
| Geico | $80 | $132 | $52 | 65% |
| Liberty Mutual | $174 | $234 | $61 | 34% |
| National General | $161 | $266 | $105 | 65% |
| Nationwide | $115 | $161 | $47 | 40% |
| Progressive | $105 | $186 | $81 | 77% |
| State Farm | $86 | $102 | $16 | 19% |
| The General | $232 | $327 | $95 | 41% |
| Travelers | $99 | $139 | $40 | 40% |
| USAA | $59 | $78 | $19 | 32% |
| U.S. Average | $119 | $173 | $53 | 45% |
If your vehicle had minor damage, and your driving record is clean, your insurance rates with Erie will probably not increase as much as if you were at fault and your vehicle was totaled. Read our guide titled “What should I do if my vehicle is deemed a total loss?” to find out more.
Other Reasons Your Insurance Rates Can Increase With Erie
As it notes on the Erie Insurance website, there are other reasons your insurance rates may increase if you file a car insurance claim. For instance, like most products, the cost of vehicle parts has been hit by inflation. Parts are as much as 10% higher than before, so it is more costly for Erie Insurance to pay for repairs.
Check out the table below to the average percentage effect certain factors have on your rates:
Common Factors That Impact Car Insurance Rates
| Factors Insurance Companies Consider | Percent Effect on Rates |
|---|---|
| Driving Record and Claim History | 35% |
| Age, Martial Status, and Gender | 25% |
| Car Make/Model | 18% |
| Insurance Carrier & Policy Options | 9% |
| Location | 8% |
| Credit | 3% |
| Occupation | 2% |
Repair costs have also increased, and they are taking longer to complete. This means you might need a rental car longer, which will drive up the cost of your claim.
Learn More: Does my car insurance cover rental reimbursement if my car is being repaired?
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How to Prevent Your Car Insurance Rates Increasing if You File a Car Insurance Claim With Erie
According to the Erie Insurance website, the insurance company offers a feature called Erie Rate Lock. If you add this type of car insurance coverage to your police, your rates will not change, even if you make a collision auto insurance claim.
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Erie Insurance will not change your rates until you request certain changes to your policy, including adding or removing a driver. If you would like to learn more about the Erie Rate Lock feature, call your agent if you have one.
Other Ways to Save on Erie Auto Insurance
If you find that your car insurance rates increase after filing a claim with Erie Insurance, you might be able to offset this rise in other ways. For example, you could ask your agent if you have one, if you qualify for any pay plan car insurance discounts, and you might also consider increasing your car insurance deductible.
If you carry comprehensive and collision coverage on your car insurance, you will see a deductible listed on your policy as a dollar amount. Read to learn what exactly a deductible is and some factors in determining the best one for you. https://t.co/CnQa25N0it
— Erie Insurance (@erie_insurance) November 22, 2022
If you are driving far less than you did in the past, you might be eligible for a lower premium cost.
If you have home and/or life insurance with Erie, you could also ask how to save money by bundling insurance policies.
More About Why Rates Go Up After Filing an Erie Claim
Being in a car accident is hard enough; the last thing you want to see is an increase in your insurance rates if you file a car insurance claim with Erie. The insurance company will look at a number of factors before making any decisions, so if it was a minor fender bender with minimal damage, your rates may not increase very dramatically.
If your rates do go up, ask about increasing your car insurance deductibles, pay plan discounts, and the Erie Rate Lock program, all of which may help you save money on your premiums. Enter your ZIP code into our free quote tool below to instantly compare your Erie insurance quote against top competitors.
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Frequently Asked Questions
Will my car insurance rates increase if I file a claim with Erie?
A top question readers ask is, “Does Erie Insurance raise rates after a claim?” Yes, like most of the best car insurance companies, Erie will likely raise your rates if you file a claim. Expect rates to go up by around 41% after filing a claim, but it ultimately depends on various factors, such as accident severity and fault.
How much does Erie Insurance go up after an accident?
On average, Erie auto insurance rates increase by around 41% after an accident claim. So, while you’ll pay around $58 monthly for full coverage with a clean record, rates go up to $82 after an accident.
Does it matter when I file an Erie insurance claim?
You should file an insurance claim as soon as possible after the accident.
Learn More: How to Correctly Handle a Car Accident
What happens if I make a lot of claims on my Erie insurance?
Filing a lot of insurance claims may cause your insurance company to not renew your policy.
Why did my Erie insurance rates go up $100?
Two common reasons your rates may have gone up unexpectedly is due to inflation or because you got a moving violation.
Looking to compare rates after an unexpected premium increase? Enter your ZIP code below to instantly compare quotes from the top providers near you.
Is Erie Rate Lock worth it?
Yes, Erie Rate Lock could be worth it if you’d like stable insurance costs and think you could incur rate increases from accidents or traffic violations. While the Erie rate protection endorsement costs extra, it could be worthwhile in the long run to avoid a 41% rate increase if you get in an accident.
Is Erie good at paying claims?
Erie insurance reviews show customers are satisfied with Erie claims handling. Acocrding to a recent J.D. Power study, Erie score 893 out of 1,000 for claims satisfaction, higher than the industry average of 873. Learn more about what customers say in our Erie insurance review & complaints.
Why is Erie Insurance so cheap?
Erie often has lower rates due to its smaller, more exclusive market, which allows the company to carefully manage risk and keep rates cheap.
Does your insurance go up after a claim that is not your fault?
Yes, even if you file a claim that isn’t your fault, your auto insurance rates can still go up. However, some states, such as California, have laws preventing insurers from hiking rates for policyholders that file claims that weren’t their fault.
Read More: Best California Car Insurance
What is the Erie Insurance controversy?
Recently, independent insurance agents in Maryland accused the company of punishing them for selling policies to Black and Hispanic consumers in populated cities such as Baltimore. Erie claims these areas were too risky to insure.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
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.