120+ more*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Reading, Pennsylvania, is $99 per month for liability-only coverage and $173 per month for full coverage. That’s slightly higher than in nearby Lancaster, where drivers pay $81 per month for liability coverage and $140 per month for full coverage.
But Philadelphia drivers pay much higher monthly rates of $165 for liability-only coverage and $288 for full coverage. That could be due to its higher population density: 11,937 people per square mile compared to 9,663 in Lancaster, according to U.S. census data. A denser population can lead to higher car insurance costs.
Reading drivers pay an average of $99 per month for liability-only insurance. That’s similar to the Pennsylvania state average of $90 per month.
The Commonwealth of Pennsylvania has the following minimum insurance requirements:[1]
$15,000 of bodily injury liability coverage per person
$30,000 of bodily injury liability coverage per accident
$5,000 in property damage liability coverage per accident
The table below shows the cheapest rates for liability-only auto insurance coverage in Reading.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $50 |
| State Farm | $54 |
| Erie | $64 |
| National General | $64 |
| First Acceptance | $66 |
| Auto-Owners | $68 |
| Progressive | $70 |
| Allstate | $73 |
| The General | $74 |
| Travelers | $83 |
| GEICO | $86 |
| Safeco | $90 |
| Direct Auto | $91 |
| Bristol West | $103 |
| USAA | $112 |
| Root | $119 |
| Dairyland | $124 |
| Chubb | $130 |
| GAINSCO | $138 |
| Liberty Mutual | $139 |
| State Auto | $150 |
| CSAA | $182 |
Liability policies average $99/mo.
Full-coverage car insurance costs an average of $173 per month in Reading, which is slightly higher than the state average of $162.
Reading’s location along the Schuylkill River puts it at risk for flooding. Parts of Reading, including the Penn Street and Bingaman Street bridges, are in a Special Flood Hazard Area (SFHA). Comprehensive insurance as part of a full-coverage policy can protect you if a flood damages your vehicle.
The data table below shows the cheapest rates for full-coverage car insurance in Reading.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $90 |
| Erie | $104 |
| Auto-Owners | $111 |
| Plymouth Rock | $120 |
| Travelers | $135 |
| Allstate | $136 |
| National General | $139 |
| GEICO | $141 |
| Safeco | $142 |
| Liberty Mutual | $159 |
| First Acceptance | $163 |
| Progressive | $163 |
| Direct Auto | $177 |
| Bristol West | $182 |
| USAA | $182 |
| Root | $192 |
| Chubb | $210 |
| The General | $220 |
| State Auto | $245 |
| GAINSCO | $259 |
| CSAA | $261 |
| Dairyland | $301 |
Reading has a greater population density than Lancaster. Lancaster is a smaller city than Reading, with an estimated population of 58,366 compared to Reading’s 95,832.
Reading also has a higher population density, with 9,663 people per square mile compared to Lancaster’s 8,031. A denser population can increase the likelihood of car accidents, which can, in turn, increase insurance costs.
The table below shows the overall average cost of car insurance in other Pennsylvania cities.
City | Average Monthly Quote |
|---|---|
| State College | $96 |
| Hanover | $98 |
| Chambersburg | $109 |
| Altoona | $110 |
| Lancaster | $111 |
| Pottsville | $111 |
| Bethlehem | $116 |
| Erie | $119 |
| York | $120 |
| Wilkes-Barre | $121 |
| Harrisburg | $124 |
| Pittsburgh | $125 |
| Phoenixville | $130 |
| Scranton | $132 |
| Bristol | $149 |
| Allentown | $153 |
| Chester | $196 |
| Philadelphia | $227 |
Reading has a moderate flood risk, with just over 20% of properties at some risk of flooding over the next 30 years, according to First Street data. Some parts of Reading have a higher flood risk than others, especially along the Schuylkill River. Even moderate flood damage can total a car.
The mean commute time in Reading is 24.1 minutes, which is less than the U.S. average of 27.2 minutes. Certain roadways in the Reading area, including U.S. Route 222 and U.S. Route 422, see more than 50,000 daily trips per year.[2] Busier roadways increase the risk of accidents, which can affect insurance costs.
*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can affect how much you pay for car insurance. Below are the cheapest car insurance companies in Reading for drivers with a clean record, a speeding ticket, an at-fault accident, and a driving under the influence (DUI) conviction.
Cheapest car insurance for Reading drivers with a clean driving record: Plymouth Rock
Cheapest car insurance for drivers with a speeding ticket in Reading: Plymouth Rock
Cheapest car insurance for Reading drivers with an at-fault accident: Plymouth Rock
Cheapest car insurance for drivers with a DUI in Reading: Plymouth Rock
Approximately 2.9% of Reading drivers have a speeding ticket, according to Insurify data. Another 4.3% have an at-fault accident on their record, while 0.6% have a DUI conviction. Berks County police departments typically increase DUI enforcement efforts over holiday weekends and other special events.
Even with an incident in your driving history, you can still find affordable car insurance in Reading. The following table shows the average monthly quote for people with different types of driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $136 |
| Speeding ticket | $153 |
| At-fault accident | $168 |
| DUI | $219 |
Pennsylvania uses speed cameras to catch drivers speeding more than 11 mph over the posted limit on highways undergoing construction. In Reading, that might include U.S. 422 between state Route 12 and Interstate 176, where construction will begin in late 2027.
Pennsylvania drivers have a 1-in-59 chance of colliding with a deer, the third-highest rate in the U.S.[3] Reading’s location near Nolde Forest, Mount Penn Preserve, and Antietam Lake Park makes it the ideal home for white-tailed deer. The City of Reading and Berks County have a deer-management hunting program to balance the deer population and reduce collisions.
Reading gets an average of just less than 30 inches of snow per year, according to Western Regional Climate Center data. During a snow emergency, plows focus on primary routes, like North and South 5th Street, Penn Street, Franklin Street, and Front Street. Residents can park for free in any Reading Parking Authority lot or garage during a snow emergency.
Several main arteries run through or near Reading. Two roads in particular — U.S. 222 and U.S. 422 — see more than 50,000 annual daily trips, according to Berks County data. Roads can get particularly busy in autumn, as visitors flock to the area for the Reading Liederkranz Oktoberfest and to see the fall foliage.
Reading drivers have an average annual mileage of 8,991 miles, according to Insurify data, which is less than the national average of 9,136 miles. Less time spent driving means a lower risk of accidents, which can decrease insurance costs.
See quotes from top insurers in minutes
Teen drivers in Reading pay an average of $169 per month for liability insurance and $296 for full coverage.
Pennsylvania’s graduated driver licensing law requires young teens to complete at least six months behind the wheel before applying for a junior license. The state restricts drivers younger than 18 from carrying multiple passengers or driving between 11 p.m. and 5 a.m.[4]
The table below shows the cheapest rates for teenage drivers in Reading.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $87 |
| State Farm | $101 |
| Erie | $112 |
| First Acceptance | $113 |
| Progressive | $120 |
| National General | $122 |
| Allstate | $125 |
| The General | $129 |
| Auto-Owners | $132 |
| GEICO | $150 |
| Travelers | $166 |
| Direct Auto | $171 |
| Root | $172 |
| Bristol West | $175 |
| Safeco | $178 |
| USAA | $197 |
| Dairyland | $206 |
| GAINSCO | $233 |
| Liberty Mutual | $234 |
| Chubb | $256 |
| State Auto | $345 |
| CSAA | $422 |
Approximately 10.7% of Reading residents are age 65 or older, according to U.S. census data.
Senior drivers in Reading pay monthly averages of $86 for liability policies and $150 for full-coverage policies.
The following data shows the cheapest car insurance quotes for senior drivers in Reading.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $41 |
| State Farm | $42 |
| Erie | $49 |
| National General | $50 |
| Auto-Owners | $54 |
| First Acceptance | $57 |
| Progressive | $61 |
| The General | $63 |
| Allstate | $63 |
| Travelers | $67 |
| GEICO | $68 |
| Direct Auto | $74 |
| Safeco | $78 |
| Bristol West | $86 |
| USAA | $91 |
| Chubb | $98 |
| Dairyland | $105 |
| Root | $110 |
| State Auto | $113 |
| Liberty Mutual | $115 |
| GAINSCO | $119 |
| CSAA | $135 |
Review these common questions and answers to improve your understanding of car insurance and find cheaper rates in Reading.
Car insurance in Reading, Pennsylvania, costs an average of $136 per month, according to Insurify data. Liability policies average $99 per month, and full-coverage policies average $173.
Plymouth Rock has the cheapest car insurance rates in Reading, at $50 per month for liability-only coverage.
The type of vehicle you drive and your annual mileage can affect car insurance rates in Reading. Your driving history, type of policy, and amount of coverage can also affect your rates. Bundling car insurance with home insurance, renters insurance, life insurance, or business insurance can save you money.
Some of the best car insurance companies in Reading include State Farm, Erie, and National General.
Pennsylvania requires drivers to have at least $15,000 per person and $30,000 per accident in bodily injury liability insurance coverage. Drivers must also carry at least $5,000 in property damage liability coverage per accident.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
