- Estimated $1,609/year (~$134/month) for a standard $300k policy — well below the national average
- NAIC complaint ratio 0.72 (near industry average); A financial strength
- Availability: 12 states + DC · agent required
- Low premiums and generous standard coverage
- Available in only 12 states plus DC
About Erie Insurance homeowners insurance
Erie operates across the Mid-Atlantic and Midwest (plus DC), selling through local agents. It's known for low pricing, broad standard coverage, and its Rate Lock feature, which holds your premium steady until you change your policy. Within its footprint it's regularly among the cheapest highly-rated carriers.
Who Erie Insurance homeowners insurance is right for
Homeowners in Erie's coverage states who want low rates, generous standard coverage, and a local agent relationship.
How much does Erie Insurance homeowners insurance cost?
Erie Insurance homeowners insurance averages roughly $1,609/year (about $134/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — well below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.
Availability: 12 states + DC · agent required.
Erie Insurance homeowners insurance pros and cons
Pros
- Low premiums and generous standard coverage
- Rate Lock holds your premium steady between changes
- Strong agent network and claims reputation
Cons
- Available in only 12 states plus DC
- Requires a local agent — limited online self-service
- Smaller national footprint and brand presence
Bottom line: If you live in an Erie state, it belongs on your shortlist — low rates plus Rate Lock are a strong combination. Compare it with Auto-Owners and the direct carriers.
Erie’s recent rate filings
The actual rate changes Erie filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Erie filed 4 home rate changes across 4 states, averaging +4.6% and 11 auto rate changes across 6 states, averaging −0.0%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Home | IL | +7.1% | Aug 2026 | #ERPP-134891551 ↗ |
| Home | VA | +8.0% | Jan 2026 | #ERPP-134682697 ↗ |
| Home | OH | +2.3% | Dec 2025 | #ERPP-134602360 ↗ |
| Home | PA | +1.0% | Sep 2025 | #ERPP-134623801 ↗ |
| Auto | PA | +0.5% | Sep 2026 | #ERAP-134924958 ↗ |
| Auto | VA | −1.3% | Sep 2026 | #ERAP-134950961 ↗ |
| Auto | IL | 0.0% | Aug 2026 | #ERAP-134926673 ↗ |
| Auto | TN | 0.0% | Jul 2026 | #ERAP-134830669 ↗ |
| Auto | TN | 0.0% | Jul 2026 | #ERAP-134830669-2 ↗ |
| Auto | OH | −3.8% | Jun 2026 | #ERAP-134872060 ↗ |
| Auto | OH | 0.0% | Apr 2026 | #ERAP-134762298 ↗ |
| Auto | OH | 0.0% | Apr 2026 | #ERAP-134778141 ↗ |
| Auto | VA | 0.0% | Apr 2026 | #ERAP-134777464 ↗ |
| Auto | NY | 0.0% | Jan 2026 | #ERAP-134659417 ↗ |
| Auto | VA | +4.2% | Jan 2026 | #ERAP-134691371 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.
Compare Erie Insurance homeowners rates by state
Frequently asked questions
How much is Erie Insurance homeowners insurance?
Roughly $1,609/year (~$134/month) for a standard $300k-dwelling policy — well below the national average. Your exact price depends on your home, deductible, and claims history.
Is Erie Insurance good for homeowners insurance?
It carries an NAIC complaint ratio of 0.72 (near industry average) and A financial strength. If you live in an Erie state, it belongs on your shortlist — low rates plus Rate Lock are a strong combination. Compare it with Auto-Owners and the direct carriers.
Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Erie Insurance against other carriers.