Erie Insurance Rates:

Erie, PA home insurance is about $590 to $797, about $49-$66/month. Our detailed research indicates shoppers can save as much as $277 by comparing different quotes

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Erie Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $470/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 2410 sqft Seasonal Residence Constructed In 1969 with Hardwood Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2780 sqft Rental Property Constructed In 1947 with Stone Flooring, Composition Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Bath 2920 sqft Vacation Property Constructed In 1950 with Stone Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1390 sqft Seasonal Residence Constructed In 1967 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $700/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 4150 sqft Rental Property Constructed In 1943 with Hardwood Flooring, Metal Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/10 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1170 sqft Rental Property Constructed In 1952 with Wood Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Erie, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
16508 $89,900 $700
16504 $84,500 $700
16502 $70,700 $690
16507 $59,200 $680
16503 $47,600 $680
16506 $160,300 $730
16509 $139,400 $720
16511 $114,500 $710

Erie Rates & Quotes Analysis:

Erie Area Estimated House Insurance
Thompson St, E 13th St, Clayton Ave, Hampton Ave, Wagner Ave, E 20th St, Skyline Dr, State Rte 505, Tower Ln, Superior Ave$716
Brewster St, Downing Ave, Scott St, Florida Ave, Norman Way, E 18th St, Goodrich St, Burton Ave, Pierpont Ave, Lovell Pl$688
Bolivar St, Amber Ct, Devoe Ave, Nancy Ave, Merline Ave, Ross St, Anna Ct, Columbia Cir Ave, Crescent Dr, Woodland Hills Dr$694
Cranch Ave, Southgate Dr, E 22nd St, E 34th St, Schaal Ave, Miller Ave, Glendale Ave, Hess Ave, Grimm Dr, E 18th St$683
Monoca Dr, Colorado Dr, Columbia Cir, Cottage Ave, E Metcalf St, Shenley Dr, Groveland Ave, Camphausen Ave, E 36th St, E 42nd St$713

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,355 Homes (18% of total homes ) built between 1950 to 1959 in Erie are paying home insurance between $1,305-$1,315. Places close to Erie, PA such as Erie County, Millcreek, Lawrence Park are more expensive by $23, $50, $14 respectively while Mina(NY) and French Creek(NY) are cheaper by $194 and $210 respectively for similar homes.
  • Bedrooms: 17,395 3 bedrooms homes (39% of total homes ) in Erie are paying about $611. Areas near to Erie such as Millcreek, Northwest Harborcreek, Summit are costlier by $10, $17, $19 respectively whereas Wesleyville and Wattsburg are more economical by $8, $9 respectively for similar homes.
  • Auto Insurance Bundling: 3,030 Households (13% of all households) in Erie have 3 or more vehicles available and when it is bundled with home insurance you can save $173 compared to Erie County ($176), Millcreek ($180), Wesleyville ($173).
  • Senior Discounts: 9,972 seniors (more than 55 years) occupied housing units (46% of total) in Erie get discounts between $103 to $106. The comparative concessions in proximate regions such as Erie County, Millcreek and Wesleyville are $106, $108 and $103 respectively.
  • New Homes discounts: New homes such as the 11,199 homes built between 2000 to 2009 in Erie can save $138 in contrast with Erie County ($141), Millcreek ($144), Wesleyville ($138).

Erie Homeowners insurance Facts

  • Erie, PA has 21,645 owner occupied houses which is 53.6% of all units whereas Erie County, Millcreek and Wesleyville have 67.9%, 70.09% and 74.2% respectively.
  • Erie, PA homeowners yearly insurance price at $694 is 0.83% of the typical house value of $83,600 which is in contrast with 0.61% in Erie County, 0.49% at Millcreek & 0.85% in Wesleyville.
  • Homeowners in Erie, PA pay 0.93% of their income ($75,000 or more) in insurance whereas homeowners in Erie County, Millcreek and Wesleyville pay 0.94%, 0.96% and 0.92% respectively.
  • Erie, PA’s insurance is 5.9% of monthly housing costs of $976/month, for owners with a mortgage compared to 5.12% in Erie County, 4.54% at Millcreek & 5.57% in Wesleyville. But, for households without a mortgage, insurance is 13.4% of costs ($432 in Erie, PA) in contrast with 13.12% in Erie County, 13.15% at Millcreek & 12.81% in Wesleyville.

Erie, PA Home Values & Insurance rates

For example, insurance for 1,277 Homes (5.0% of total homes ) valued between $50,000 to $59,999 in Erie, PA is about $430. Rates in nearby areas in such as Erie County, Millcreek, Lawrence Park are cheaper by $112, $178, $73 respectively while Wesleyville and Wattsburg are costlier by $12 and $26 respectively for similar homes.

Erie, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,361 15.0% $201
$50,000 to $59,999 1,277 5.0% $430
$60,000 to $69,999 2,558 12.0% $534
$70,000 to $79,999 2,551 11.0% $617
$80,000 to $89,999 2,954 13.0% $700
$90,000 to $99,999 1,909 8.0% $784
$100,000 to $124,999 3,010 14.0% $909
$125,000 to $149,999 1,350 6.0% $1138
$150,000 to $174,999 829 3.0% $1346
$175,000 to $199,999 398 1.0% $1554
$200,000 to $249,999 427 2.0% $1866
$250,000 to $299,999 268 1.0% $2283
$300,000 to $399,999 393 1.0% $2900

Renters Insurance in Erie

  • Average Renters Insurance in Erie :  $225($18/month)

  • Median Gross Rent in Erie :  $617

  • Erie Renters Insurance to Median Rent Ratio:  2.92%

  • Average household size of renter-occupied unit :  2.19

Erie Renters Insurance as a Percentage of Rent

Erie Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 345 1.0% $356
$200 to $299 1,314 7.0% $806
$300 to $499 3,269 18.0% $1256
$500 to $749 7,726 42.0% $1931
$750 to $999 3,566 19.0% $2681
$1,000 to $1,499 1,357 7.0% $3806
$1,500 or more 402 2.0% $5456

Rent Affordability in Erie:

Approximately 48.0% (9,049) of households are spending more than 35% of their income on gross rent in Erie

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,877 10.0%
15.0 to 19.9 percent 1,928 10.0%
20.0 to 24.9 percent 1,871 9.0%
25.0 to 29.9 percent 2,363 12.0%
30.0 to 34.9 percent 1,651 8.0%
35.0 percent or more 9,049 48.0%

Erie Renters Insurance Discounts:

Erie Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Erie, PA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,985 47.0% $22.5
2 vehicles available 2,766 14.0% $33.75
3 or more vehicles available 600 3.0% $45.0

Protective device discount in Erie Up to :  $33

Claims-free discount in Erie Up to :  $45