What Discounts Does Erie Offer for Auto Insurance?
Last Updated on January 4, 2026
Erie Insurance is a strong regional carrier known for solid coverage and customer satisfaction in the states where it operates.
If you already have an Erie auto policy (or you’re shopping for one), the fastest way to lower your premium is to stack discounts and add-ons you actually qualify for. Erie’s official discount list varies by state and underwriting rules, so it’s smart to review the current options with an agent and compare them to your situation.
Below are the most common Erie auto insurance discounts and “savings features” that can reduce what you pay—plus tips to maximize them without cutting coverage you need. For Erie’s official overview, see Erie’s auto insurance discounts page.
Key Takeaways
- Bundling Is Usually the Biggest Saver: Combining auto with another Erie policy (and/or insuring multiple vehicles) is often the easiest way to reduce your premium.
- Rate Lock® Can Add Price Predictability: ERIE Rate Lock® is designed to keep your rate from changing at renewal unless you make certain major policy changes (availability varies by state).
- Claims-Free Features Can Pay Off: Options like First Accident Forgiveness and Diminishing Deductible can protect you from expensive renewal surprises after years of safe driving.
- Don’t Miss Youth and College Discounts: Erie may offer youthful driver, driver training, and college-away-at-school savings—especially useful when adding a teen or student to a family policy.
Erie Auto Insurance Discounts at a Glance
While the exact discount names and eligibility rules can vary by state, most Erie customers can potentially save in four main ways:
- Bundle and multi-car savings (multiple policies and/or vehicles)
- Claims-free and experience-based savings (clean record, years insured)
- Vehicle-based savings (safety and anti-theft features, storage/reduced use)
- Behavior and program savings (youthful driver programs, driver training, safe-driving rewards)
Top Erie Discounts and Savings Features
Multi-Policy and Multi-Car Discounts
Bundling is usually the biggest, most reliable discount for many households. Erie commonly discounts your premium when you insure more than one vehicle (multi-car) and/or combine auto with another Erie policy (like homeowners or renters).
If you’re trying to maximize this category, start here: multi-car discounts and bundling renters and auto insurance.
ERIE Rate Lock®
ERIE Rate Lock® is one of Erie’s best-known features. Instead of your premium changing every renewal, Rate Lock is designed so your rate generally only re-calculates when you make certain major policy changes—like adding/removing a vehicle or driver, or changing where the vehicle is principally garaged (your address/location). Erie also notes that the feature isn’t available in all states and is limited to three years in Virginia.
Rate Lock isn’t always the cheapest option in every scenario, but it can be valuable if you want predictable renewal pricing and fewer “surprise” increases. Learn more directly from Erie here: ERIE Rate Lock®.
First Accident Forgiveness
Erie offers “First Accident Forgiveness” in many states. In simple terms: if you meet the eligibility rules, you won’t be surcharged for your first at-fault accident. Erie’s discount page notes a common guideline of being an Erie customer for three or more years (though the waiting period can vary by state and product).
This can be a big deal, since an at-fault accident often leads to a noticeable premium increase at renewal. To understand how these programs generally work across insurers, see our guide to accident forgiveness.
Diminishing Deductible (ERIE Auto Plus®)
Erie’s Diminishing Deductible option (typically part of the ERIE Auto Plus® endorsement) can reduce your deductible over time for consecutive claim-free policy years. Erie describes it as a $100 reduction for each year you go without a claim, up to a maximum reduction of $500 (eligibility and rules vary by state).
If your deductible is $500 and you remain claim-free long enough, that can bring your deductible down to $0. If your deductible is higher than $500, this feature can still reduce it—just not all the way to zero. Here’s a plain-English breakdown of how this works: diminishing (disappearing) deductibles.
Driver-Based Discounts
Low Mileage and Reduced Use
If you drive less than the typical driver (work-from-home, short commute, second vehicle, seasonal use), you may qualify for a low-mileage or reduced-use discount. Erie also offers a “Vehicle Storage” / reduced usage discount in many states if a car will be stored and not driven for an extended period (Erie commonly lists 90 consecutive days or more).
If this applies to you, start with the basics here: how low mileage discounts work. Then ask your agent what Erie’s current mileage or storage thresholds are in your state.
Youthful Driver, Longevity, and Driver Training Discounts
Adding a teen or young adult is one of the most expensive changes you can make to an auto policy—so it’s worth hunting for every available credit. Erie commonly advertises multiple youth-related savings, such as:
- Youthful Driver Discount (often for unmarried drivers under 21 who live with their parents)
- Youthful Driver Longevity Discount (credit for consecutive years insured under an Erie family policy)
- Driving Training Discount (often for completing an accredited driver training course; availability varies by state)
If you’re rate-shopping for a teen/young driver, see our broader guide to cheapest car insurance for young drivers—then compare Erie’s credits against other carriers’ youth programs.
College Student Discount
If your student is living away from home and doesn’t have regular access to a vehicle, Erie may offer a college student discount for the time they aren’t driving. This is especially helpful when a student is still listed on the family policy but only drives during breaks or occasional trips home.
YourTurn® Safe-Driving Rewards
Erie also offers YourTurn®, a smartphone-based safe-driving rewards program. Unlike some telematics programs that primarily adjust your premium, YourTurn is positioned as a rewards app: you drive, get feedback, and earn redeemable rewards for safer driving behaviors (availability varies by state).
You can learn more about how it works here: YourTurn® by Erie Insurance.
Vehicle-Based Discounts
Safety and Anti-Theft Discounts
Erie commonly offers savings for vehicles with certain factory-installed safety features and anti-theft devices—think airbags, anti-lock brakes, and theft-deterrent systems. If you’re shopping for a car, safety tech can help on two fronts: it can reduce accident risk and may also reduce insurance costs.
More details on the types of features insurers like to see: safety features that can lower insurance.
Payment-Related Savings
Erie often advertises “Payment Perks,” including a discount for paying your premium in full instead of monthly installments. Even if it’s not the biggest discount on the page, it’s one of the easiest to qualify for if your budget allows it.
How to Maximize Erie Discounts
- Bundle first, then fine-tune: Start by bundling policies and vehicles, then layer on driver/vehicle credits.
- Ask about endorsements: Rate Lock® and Auto Plus® features can add value beyond a simple “percent off.”
- Update your policy when life changes: Moving, working from home, a new commute, a teen getting licensed, or storing a vehicle can all change eligibility.
- Re-shop periodically: Even with loyalty perks, it’s still smart to compare quotes every couple of years.
Final Word on Erie Auto Insurance Discounts
Erie offers a well-rounded mix of traditional discounts (multi-car, multi-policy, safety features) and standout “value features” like ERIE Rate Lock® and Diminishing Deductible. The catch is that availability and rules vary by state—so the only way to know what you qualify for is to review your policy with an agent.
If you want help adding discounts, updating your eligibility, or confirming what’s available where you live, contact Erie Insurance and ask for a discount review on your current auto policy.
