Predictability. It’s about being stable, steady and unchanging. Some might consider it boring, but when you’re paying your bills, predictability can be a very nice thing. That’s exactly what Erie Insurance’s Rate LockSM program does: gives you predictability and peace of mind by not raising your car insurance rates, even if you have car accidents or traffic tickets.

Rate Lock is an entirely optional program, and many drivers qualify. Even if you have other accidents on your record, you may still be able to enroll in Rate Lock. Then, you’ll know that even if you have an accident, your rates won’t change.

Your rates only change when you make a change to your policy, like moving to a new address, adding or removing a vehicle or adding or removing a driver. Otherwise, it’s all about stability, consistency and predictability. Which isn’t such a bad thing, after all.


ERIE Rate Lock does not guarantee continued insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.