Updated February 2026 • 5 min read
Erie Insurance consistently ranks among the highest-rated insurers for customer satisfaction and claims handling. Premiums average $100-180/month for auto and home bundles. If you are leaving Erie, it is likely for price — make sure you are not sacrificing claims quality for a cheaper rate.
As with any insurance cancellation: have your new auto and/or homeowners policy active before canceling Erie. No gap in coverage — this is non-negotiable for legal and financial protection.
Erie provides prorated refunds for prepaid premiums. If you paid annually, you receive the unused portion back. Refund timeline: 2-4 weeks. Goes to you or your mortgage escrow depending on who paid the homeowners premium.
Erie is one of the few insurers where "you get what you pay for" actually holds:
⚠️ Price vs. value: Some insurers are cheap until you file a claim. Erie is not the cheapest, but their claims handling is among the best. If you are switching purely on price, read reviews of your new insurer's claims process first. Saving $300/year is not worth it if your claim gets denied or delayed by months.
Erie operates in 12 states plus DC: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin. If you are moving outside these states, you have to switch — Erie will not follow you.
Cancel Erie through your local agent or 1-800-458-0811. Get replacement coverage first. But seriously consider whether the savings from switching are worth the potential difference in claims quality. Erie earned its reputation for a reason.
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