How do you file a claim with Erie?

Erie gives auto and home insurance policyholders two ways to file a claim by phone. They can contact their Erie agent or call the 24/7 claims center at 800-367-3743. Life insurance customers can file a claim by contacting their Erie agent or by calling 800-458-0811.

Is Erie a sustainable company?

Through The Giving Network, Erie and its employees volunteer time and money with organizations focused on community building, environmental responsibility and safety. These initiatives include partnering with United Way and the American Red Cross, as well as supporting other culture and arts organizations, entrepreneurship, education and environmental responsibility. In 2024, The Giving Network supported 920 charities and matched 33,000 gifts from employees.

Why is Erie car insurance so cheap?

Erie has kept its car insurance rates low in recent years by focusing on a low-risk customer group, particularly those with excellent credit and clean driving records. However, investor reports indicate that Erie's combined ratio was above 100 percent in both 2024 and the first half of 2025. In simple language, this means that Erie is currently paying out more in claims and expenses than collecting in premiums — which could mean rate hikes in the near future.

Does Erie insurance offer high-risk insurance?

Erie does not focus on high-risk insurance customers. While you may be able to get insurance through Erie with a ticket or other incident on your driving record, you're unlikely to receive the company's famously low rates, as those are reserved for Erie's preferred low-risk customers. If you're seeking high-risk auto insurance, Erie may not be the best fit for you.

Is Erie car insurance better than State Farm?

Erie and State Farm offer similar advantages to car insurance customers: a reputation for stellar customer service and low rates. However, Erie works with independent agents while State Farm exclusively uses its own captive agents. Regardless, local agents are available for both carriers, making them a good fit for anyone who prefers building an agent relationship to managing their policy through an app. Both carriers offer competitive rates, with Erie typically offering lower rates. Its average full coverage premiums are 15 percent less than State Farm's. However, Erie only does business in 12 states and Washington, D.C. and has much less robust digital systems than State Farm.

Insurance Reviews

Erie insurance review 2025

Written by

R.E. Hawley,

Edited by

Natasha Cornelius, CLU,

Reviewed by

Mark Friedlander

Updated on Sep 25, 2025

Daily Tech Finance is always editorially independent. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .Our is to ensure everything we publish is objective, accurate and trustworthy.

Daily Tech Finance's take

Erie Insurance focuses on low-risk customers with good credit and clean records, so it's not for everyone — but for eligible shoppers in Erie's 12-state operating region and D.C., this service-focused carrier may be among the best.

Auto

Avg. annual premium for full coverage $2,261

Avg. annual premium for min coverage $742

Home

Avg. annual premium for $300k dwelling coverage $2,498

Avg. annual premium for $750k dwelling coverage $5,362

Insurance rates are known to fluctuate frequently, but you can rely on Daily Tech Finance to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.

Rates updated as of Sep 2025

Read our full methodology
Auto score

4.1
Rating: 4.1 stars out of 5

Cost & ratings
4.3 / 5

Coverage
3.5 / 5

Support
4.2 / 5

Home score

4.3
Rating: 4.3 stars out of 5

Cost & ratings
4.4 / 5

Coverage
4.3 / 5

Support
4.0 / 5

Life score

3.3
Rating: 3.3 stars out of 5

Ratings
4.0 / 5

Coverage
3.5 / 5

Accessibility
1.5 / 5
- Below-average rates for auto insurance
- Home insurance is more expensive than national average
- Excellent customer satisfaction indicators from J.D. Power and NAIC
- High level of service and coverage compared to competitors
Erie writes car, home and renters insurance policies in Washington, D.C. and the following states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie also sells life insurance in Washington, D.C. and all the aforementioned states, except New York.
- Customer service: 1-800-458-0811
- Claims: 1-800-367-3743 (auto/home) or 1-800-458-0811 (life)
- Emergency roadside service: 1-800-367-3743, option 2
- Erie agency locator available at: https://www.erieinsurance.com/find-an-agent

News

What's new with Erie?

In the summer of 2025, Erie faced 14 class-action lawsuits associated with an alleged data breach that was believed to have compromised customer privacy. As of August, however, the Erie Times-News reported that all but four of the lawsuits had been dropped when it was determined that no customer data had been compromised in the cyberattack.

Compare Erie with other insurers

Erie may be a great option for some shoppers, but it's not the right fit for everyone. Here's how Erie Insurance compares to two close competitors.

Featured Erie Rating: 3.9 stars out of 5 3.9 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 4.2 stars out of 5 4.2 Coverage Rating: 3.8 stars out of 5 3.8 Support Rating: 3.2 stars out of 5 3.2 Read Review	Allstate Rating: 4.1 stars out of 5 4.1 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3.6 stars out of 5 3.6 Coverage Rating: 4.5 stars out of 5 4.5 Support Rating: 4.6 stars out of 5 4.6 Read Review	Travelers Rating: 4.1 stars out of 5 4.1 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3.9 stars out of 5 3.9 Coverage Rating: 4.2 stars out of 5 4.2 Support Rating: 4.4 stars out of 5 4.4 Read Review
OVERVIEW Daily Tech Finance identified key carrier features, coverage offerings, discounts and more
Only available in 12 states and Washington, D.C., Erie provides affordable auto and home insurance with coverage options beyond the industry standard. Read More	Allstate earned the 2025 Daily Tech Finance Award for Best for First-Time Homeowners and may be a great fit for anyone outside of Erie’s coverage network seeking multiple types of insurance. Read More	A wider geographic range and more home insurance endorsements than Erie could give Travelers an advantage for some customers who prefer to manage their auto and home insurance in one place. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
Stellar J.D. Power scores Erie Rate Lock Guaranteed replacement cost	Highly-rated mobile tools Two usage-based programs Teen driver training program	Robust coverage options Numerous potential discounts Home insurance endorsements
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
$2,261	$3,354	$2,222
J.D. POWER AUTO SCORE J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
733/1000	691/1000	684/1000
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$2,498	$2,573	$2,787
J.D. POWER HOME SCORE J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
705/1000	665/1000	678/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A+(Superior)	A+(Superior)	A++(Superior)

Table of contents

Compare with other companies
Car insurance review
Home insurance review
Life insurance review
Real customer feedback
FAQs
Methodology

Erie car insurance review

For 2025, Erie's auto insurance product earned a Daily Tech Finance Score of 4.1 out of 5.0, reflecting the carrier's reputation for stellar customer service, efficient claims handling and high-quality coverage. The primary factor bringing Erie's Daily Tech Finance Score down from the maximum possible 5.0 points is its limited geographic availability: Erie only sells car insurance in 12 states in the Northeast, Midwest and South along with Washington, D.C.

Robust coverage options and affordable pricing make up the bedrock of Erie's auto insurance offering. Custom coverage options include full window glass repair coverage, pet injury coverage, diminishing deductibles and accident forgiveness. Erie also offers a unique Rate Lock feature, which allows policyholders to avoid future rate increases.

Pros and cons of Erie car insurance

If Erie car insurance is available in your state, consider the following advantages and disadvantages of their auto insurance product.

Pros

Extremely high customer satisfaction and claims scores from J.D. Power
Erie Rate Lock may help prevent future rate hikes
Full coverage packages include multiple endorsements by default

Cons

Only available in 12 states and D.C.
Limited digital tools
Fewer discounts than competitors

Erie car insurance cost

According to average premium data from Quadrant Information Services, the average monthly cost of full coverage car insurance from Erie is $188. For state minimum coverage, the monthly average is $62. That's 15 percent less than the national average for full coverage and 8 percent less than the national average for state minimum coverage.

Compare Erie car insurance rates

In general, Erie's car insurance premiums are lower than those of most competitors. However, keep in mind while requesting quotes that Erie serves customers in a more limited geographic region.

USAA

$172

$50

Nationwide

$159

$57

American Family

$256

$81

Travelers

$185

$60

Auto-Owners

$157

$41


Erie	$188	$62
State Farm	$223	$75
Progressive	$182	$61
Geico	$181	$49
Allstate	$279	$82
USAA	$172	$50
Nationwide	$159	$57
American Family	$256	$81
Travelers	$185	$60
Auto-Owners	$157	$41

Erie car insurance quotes by driver profile

While Erie's base premiums are lower than most competitors, these low rates may be reserved for drivers with Erie's ideal desired profile: drivers with good credit and a clean driving record. Drivers with past tickets or accidents, or those with poor credit, may receive higher quotes from Erie.


Good driver, good credit	$2,261	$2,671
Good driver, poor credit	$4,824	$4,693
Speeding ticket with good credit	$2,520	$3,272
At-fault accident with good credit	$2,572	$3,841
DUI conviction with good credit	$4,141	$5,233

*All rates displayed are average annual rates.

Erie car insurance quotes by age

Drivers under age 25 typically see higher premiums than more experienced drivers. Erie may be a competitive option for younger drivers, especially those on a family policy, provided their information otherwise matches Erie's desired customer profile.

Age 40

$2,261

$2,671

Age 60

$2,040

$2,415


Age 16	$4,977	$5,710
Age 18	$4,433	$4,925
Age 20	$3,974	$5,398
Age 25	$2,819	$3,294
Age 30	$2,462	$2,850
Age 40	$2,261	$2,671
Age 60	$2,040	$2,415

*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Evaluating how well an insurance carrier meets the needs of its policyholders can be difficult. To help get a better picture, we look at third-party ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC). J.D. Power conducts regular studies of customer satisfaction and auto claims satisfaction for insurers across the U.S., rating each carrier on a 1,000-point scale. The NAIC tracks customer complaints for each insurer and compares the rate of complaints to the carrier’s size, issuing a complaint index score with an industry baseline of 1.00.

In ratings from both organizations, Erie shows a consistent record of excellent customer service, with the highest J.D. Power customer satisfaction score in multiple regions and a complaint rate below the industry average for its size.

Erie auto claims satisfaction

Erie earns high customer satisfaction scores in the regions where it writes policies. In the J.D. Power 2025 U.S. Auto Insurance Study, Erie Insurance ranks at the top for the Mid-Atlantic and North Central regions. It doesn’t rank quite as well in the Southeast region, earning a fifth-place ranking, but the company’s score is still above the region’s average score. When it comes to how happy policyholders are specifically with the claims process, Erie Insurance ranks third overall in the 2024 U.S. Auto Claims Satisfaction Study.

Erie auto insurance customer complaints

Erie's NAIC complaint index scores have stayed below the industry average for the past three years. This indicates that Erie receives fewer customer complaints than insurers of a similar size.
Vehicle storage discount

If you plan to store your insured vehicle for 90 days or more, Erie may be able to reduce your premium to reflect limited usage (not available in Kentucky).

Paid-in-full discount

Erie may extend a discount to policyholders who pay their annual car insurance premium in one lump sum, rather than monthly installments.

Erie Rate Lock

In states where it’s available, this endorsement freezes your auto insurance premium year after year so that your rate can only increase if you add or remove a driver or vehicle or change the address where your car is garaged.

Youthful driver discounts

Drivers under 21 could earn multiple discounts from Erie, either for spending multiple consecutive years on another Erie policy or for completing an approved driver training course.

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Daily Tech Finance. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Erie home insurance review

Erie's home insurance reveals the same strengths and weaknesses as its auto insurance product, earning a similar Daily Tech Finance Score of 4.3 out of 5.0. While limited regional availability and poor digital tools reduced Erie's score for home insurance, its excellent customer service record and affordable rates give it a significant competitive edge in its operational area.

Guaranteed replacement cost is a standard feature of all Erie home insurance policies. Flood insurance, which typically has to be purchased from a separate company, is available as a policy endorsement from Erie.

Pros and cons of Erie homeowners insurance

Home insurance from Erie may be a good option for many homeowners, but it's worth considering some of the drawbacks.

Pros

Guaranteed dwelling replacement cost coverage is standard on Erie homeowners policies
Ranked fourth in J.D. Power's 2024 U.S. Home Insurance Study
Standard home insurance policies include up to $500 in pet coverage

Cons

Limited discount opportunities
Few optional coverages available
Not available in all states

Erie home insurance cost

Data from Quadrant Information Services indicates that the average cost of home insurance from Erie is $2,498 per year for $300K in dwelling coverage. Compared with the national average of $2,408 per year, Erie's average rates are 4 percent more than average.

Compare Erie homeowners insurance rates

Erie may have higher home insurance premiums than some other major insurers, while its average rates are lower than those of other top-rated carriers. However, keep in mind that these averages may vary based on your location and risk factors specific to your home.

Nationwide

$2,073

-335

Chubb

$3,257

849

American Family

$1,980

-428

Progressive

$2,711

303

Auto-Owners

$2,084

-324


Erie	$2,498	90
State Farm	$2,186	-222
Allstate	$2,573	165
USAA	$1,248	-1160
Travelers	$2,787	379
Nationwide	$2,073	-335
Chubb	$3,257	849
American Family	$1,980	-428
Progressive	$2,711	303
Auto-Owners	$2,084	-324

Erie home insurance quotes by dwelling coverage

Erie's home insurance rates tend to be slightly higher than average, but those rates vary depending on the amount of dwelling coverage you purchase.


$150K dwelling	$1,439	$1,442
$300K dwelling	$2,498	$2,408
$350K dwelling	$2,861	$2,724
$450K dwelling	$3,564	$3,357
$750K dwelling	$5,362	$5,237

*All rates displayed are average annual rates.

Third-party ratings from expert organizations can offer insight into how well home insurance companies meet their customers’ needs. In the case of Erie’s home insurance offerings, we looked to the J.D. Power 2025 U.S. Property Claims Satisfaction Study and the NAIC Complaint Index to get a feel for customer satisfaction.

Erie homeowners claims satisfaction

Erie ranked above the industry average for claims satisfaction in J.D. Power's annual study. However, the company ranked higher in previous years, suggesting that customers may be less satisfied with Erie's claims handling than in the past. Still, Erie sits well above the national average in both the 2025 U.S. Property Claims Satisfaction Study and the 2024 U.S. Home Insurance Study.

Erie home insurance customer complaints

Erie's NAIC complaint index scores from 2022 to 2024 tell a similar story. While the carrier's complaint rate has remained low for an insurer of its size, 2023 saw an uptick in complaints. While 2024 saw a lower rate of complaints, this slight volatility may indicate some dissatisfaction among Erie's home insurance customers.
Safety features discount

You may earn a discount if your home is equipped with safety features like smoke alarms, security systems and an automatic sprinkler system.

Advanced quote discount

Obtain an Erie homeowners insurance quote seven to 60 days before your current policy’s renewal date and you might earn a discount.

Multi-policy discounts

Bundling your auto or life insurance policy with your home insurance can potentially translate into savings.

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Answering a few quick questions to check your availability with Erie

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Erie life insurance review

In addition to home and auto insurance, Erie offers three life insurance products: term life, whole life and Erie's exclusive ERIExpress Life, which is available as either a term or whole life insurance policy. If you're looking for quick life insurance quotes, Erie may be an option worth checking out.

The ERIExpress life insurance product offers a few benefits compared to traditional term or whole life insurance policies, which are also available through Erie. ERIExpress requires no medical exam for applicants, includes an automatic accelerated death benefit rider and can be purchased for a five-year term, the shortest term that Erie offers. However, coverage is only available in amounts from $10,000 to $500,000, which may not be adequate for all families.

Pros and cons of Erie life insurance

Erie may be the best life insurance company for some shoppers, especially if you already have home and/or auto insurance through the company — but it's not the right choice for everyone.

Pros

ERIExpress offers term and whole life insurance with no medical exam
Term and whole life insurance available
Multi-policy discounts for home and auto customers

Cons

Only advertises one rider
Online quoting not available
Not available in all states

- LTC accelerated death benefit rider: Only available for certain whole life policies, this rider allows policyholders to use a portion of the policy’s death benefit to help pay for long-term care medical expenses.

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What Daily Tech Finance staffers have to say about Erie

"Erie's online experience makes it very easy to pay my auto insurance bill. There's a clear callout on how much is due & when, that when clicked takes you to an experience where it only takes 2 clicks to make your payment. They do a good job reminding you when your bill is due, sending both an email and physical mail about a month ahead of the payment date. I pay my home insurance out of the escrow account within my mortgage provider. It seems like Erie is efficient in communicating with the mortgage provider so that when rates increase a bit (and as such the old escrow payments no longer would fully cover the cost) they adjust the monthly escrow payment quickly to accommodate."

—BRAYDEN SIMS, SENIOR DIRECTOR OF SEO AND ERIE CUSTOMER FOR FOUR YEARS

Frequently asked questions

Erie gives auto and home insurance policyholders two ways to file a claim by phone. They can contact their Erie agent or call the 24/7 claims center at 800-367-3743. Life insurance customers can file a claim by contacting their Erie agent or by calling 800-458-0811.
Through The Giving Network, Erie and its employees volunteer time and money with organizations focused on community building, environmental responsibility and safety. These initiatives include partnering with United Way and the American Red Cross, as well as supporting other culture and arts organizations, entrepreneurship, education and environmental responsibility. In 2024, The Giving Network supported 920 charities and matched 33,000 gifts from employees.
Erie has kept its car insurance rates low in recent years by focusing on a low-risk customer group, particularly those with excellent credit and clean driving records. However, investor reports indicate that Erie's combined ratio was above 100 percent in both 2024 and the first half of 2025. In simple language, this means that Erie is currently paying out more in claims and expenses than collecting in premiums — which could mean rate hikes in the near future.
Erie does not focus on high-risk insurance customers. While you may be able to get insurance through Erie with a ticket or other incident on your driving record, you're unlikely to receive the company's famously low rates, as those are reserved for Erie's preferred low-risk customers. If you're seeking high-risk auto insurance, Erie may not be the best fit for you.
Erie and State Farm offer similar advantages to car insurance customers: a reputation for stellar customer service and low rates. However, Erie works with independent agents while State Farm exclusively uses its own captive agents. Regardless, local agents are available for both carriers, making them a good fit for anyone who prefers building an agent relationship to managing their policy through an app.

Both carriers offer competitive rates, with Erie typically offering lower rates. Its average full coverage premiums are 15 percent less than State Farm's. However, Erie only does business in 12 states and Washington, D.C. and has much less robust digital systems than State Farm.

Methodology

Daily Tech Finance utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Daily Tech Finance used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Daily Tech Finance Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Daily Tech Finance utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following homeowner characteristics:

Dwelling coverage:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

40% Ratings

40% Coverage

20% Accessibility

Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

R.E. Hawley

Senior writer, Insurance

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