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Cheap Auto Insurance Quotes in Reading, PA (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Reading, PA
Reading, PA, residents as well as those in other Pennsylvania cities must have car insurance in order to drive. Average premiums for car insurance in Pennsylvania are $200 per month—about 12 percent less expensive than the national average. Pennsylvania premiums are in the middle of the pack, but there are cheaper car insurance options in Reading if you know where to look.
Insurify lets you compare insurance quotes from national car insurance brands like State Farm, GEICO, and Nationwide as well as your local insurance providers so you can find the cheapest possible car insurance in Reading. Car insurance comparison-shopping only takes a few minutes with Insurify, and saves you the stress and time of going to an insurance agency.
Where you live will determine how much you pay for car insurance, as premiums can vary from city to city as well as by neighborhood. Here’s what drivers pay on average in each major Pennsylvania city for car insurance so you can see how the rates compare to Reading.
Insurify lets you compare insurance quotes from national car insurance brands like State Farm, GEICO, and Nationwide as well as your local insurance providers so you can find the cheapest possible car insurance in Reading. Car insurance comparison-shopping only takes a few minutes with Insurify, and saves you the stress and time of going to an insurance agency.
Where you live will determine how much you pay for car insurance, as premiums can vary from city to city as well as by neighborhood. Here’s what drivers pay on average in each major Pennsylvania city for car insurance so you can see how the rates compare to Reading.
Quick Facts
- The average cost of car insurance in Reading is $150 per month, or $1800 annually.
- Car insurance in Reading is $0 more than the average cost of car insurance in Pennsylvania.
- The cheapest car insurance provider in Reading on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Plymouth Rock$121
Clearcover$128
National General$135
Safeco$135
GEICO$147
Cheapest Car Insurance in Reading, PA
Car insurance providers look at a lot of the same information, such as your age, residence, and credit score, to help determine your rate. But they weigh it differently, allowing some to offer your cheaper car insurance than others. The insurers below offer the cheapest rates on average in Reading, but you should still get a free quote from Insurify to estimate your individual price.
| Insurance Provider in Reading | Quotes |
|---|---|
| Plymouth Rock | $121 /mo |
| Clearcover | $128 /mo |
| National General | $135 /mo |
| Safeco | $135 /mo |
| GEICO | $147 /mo |
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Best Car Insurance in Reading, PA
Price is always an important factor when choosing an auto insurance company, but it should not be the only one. It’s also critical to look for an insurer that can reliably pay claims and offer outstanding customer service. Insurify evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Reading, so you can compare our results against your individual quotes for auto insurance coverage.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $128 /mo |
| Safeco | 86 | $135 /mo |
| Liberty Mutual | 82 | $180 /mo |
| Travelers | 80 | $91 /mo |
| National General | 58 | $135 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Pennsylvania Cities | |
|---|---|
| Philadelphia | $246/mo |
| Pittsburgh | $144/mo |
| Allentown | $153/mo |
| Erie | $137/mo |
| Reading | $157/mo |
| Pennsylvania | $167/mo |
Erie$137
Pittsburgh$144
Allentown$153
Reading$157
Average for PA$167
Philadelphia$246
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Pennsylvania
All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania[1] are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
- $5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $5,000 per accident for Medical Benefits
Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
Reading Car Insurance Rates by Driver Age
Age will almost always be one of the most important factors in determining your auto insurance premium. That’s because young drivers are typically less experienced behind the wheel and more likely to get into a car accident. In fact, teen drivers are almost three times as likely as drivers aged 20 and older to be in a deadly crash. Here’s what each age group can expect to pay on average on car insurance in Pennsylvania:
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $349 |
| 20s | $277 |
| 30s | $171 |
| 40s | $175 |
| 50s | $162 |
| 60s | $140 |
| 70s | $146 |
| 80s | $146 |
Reading Car Insurance Rates by Driving and Accident History
Car insurance companies view drivers with driving violations on their records as more high-risk to insure. Speeding tickets, DUIs, and car accidents are likely to increase your car insurance premium. Here’s what drivers with these infractions or others should expect to pay on average for car insurance versus drivers with a clean driving record in Reading, PA.
| Driving History | Avg. Monthly Cost |
|---|---|
| Clean Record | $155 |
| Speeding Ticket | $213 |
| At-Fault Accident | $200 |
| DUI | $307 |
Reading Car Insurance Rates by Credit Tier
Almost every car insurance company will use your credit score to determine your premium. Insurers use your credit history because research shows drivers with poor credit make up a higher percentage of paid claims. A strong credit score will help you pay less for your car insurance than someone with bad credit. Here’s what Reading motorists pay on average for car insurance based on their credit score:
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $136 |
| Good | $145 |
| Average | $169 |
| Poor | $210 |
See More: Bad Credit Car Insurance Pennsylvania
Find local Reading agents
Shadow Insurance Inc
3608 Saint Lawrence Ave,
Reading, PA 19606-2355Vision Insurance
200 Spring Ridge Dr Ste 101,
Reading, PA 19610-3334Reich Insurance Inc
6 Hearthstone Ct Suite 103,
Reading, PA 19606Chester Perfetto Agency Inc
40 Commerce Dr,
Reading, PA 19610-1068Contemporary Insurance Inc
1829 New Holland Rd Ste 12,
Reading, PA 19607-2229Fran Kelly Professional Liability LLC
31 Larchwood Rd,
Reading, PA 19610-1946The Rigg Darlington Group
420 N Park Rd Ste 102,
Reading, PA 19610-2900Farrara Insurance Agency
124 West Greenwich Street,
Reading, PA 19601-2719Cross Keys Insurance Inc
10C Wingco Lane,
Reading, PA 19605MGS Insurance Agency
606 Museum Rd,
Reading, PA 19611-1427
Reading, PA DMV Information
The Pennsylvania Department of Transportation Reading Driver and Photo License Center is at 530 E Lancaster Ave #5, Shillington, PA, 19607. The hours are Monday through Saturday, 8:30 a.m. to 4:15 p.m., and the phone number is 1 (717) 412-5300. You can skip the line and renew your driver's license or vehicle registration online.
Public Transportation in Reading, PA
Most Reading residents drive, and there are highways and state routes to aid travel and traffic flow. Public transportation serves a significant part of the community. The Berks Area Regional Transportation Authority (BARTA) buses people around town and helps the disabled and elderly.
Does the bus take too long? Rideshare services such as Uber and Lyft might fit the bill. Traditional taxis like Reading Metro and La Mexicana Express can also get you to your destination.
How to get the best and cheapest car insurance in Reading, PA
Too many people in Reading get twisted like Tom Sturgis pretzels when shopping for car insurance. You can skip the headache and tie down a deal that saves a lot of "cheese." Try Insurify to get the best rates and compare dozens of insurance quotes in just a few seconds.
When your city ranks second for DUIs and moving violations in Pennsylvania and sixth for speeding tickets and most suspended licenses, buying an insurance policy becomes a simple decision. Use Insurify to get a car insurance price that''s as picturesque as the Pagoda.
FAQs - Reading, PA Car Insurance
You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Reading. The best part is you only have to enter your information once online, opposed to answering the same questions from multiple local agents over and over again. The average Insurify user saves $585 per year just by switching to a cheaper provider they found on the platform. Car insurance in Reading, Pennsylvania, costs an average of an average of $168 per month. Your rate will depend on your coverage, deductible, age, gender, credit score, and driving history, however. Let Insurify give you insurance solutions. You can find cheap car insurance in Reading by comparing rates with Insurify. There are more than 88,000 Reading residents, and a majority (more than 74 percent) own cars. Since driving is the main mode of transportation in Reading, the chances of car accidents are greater. As far as your own factors, prior car accidents, speeding tickets, or bad credit can increase your car insurance premium. Buying full coverage for your vehicle could cost twice what you’d pay for a liability-only policy.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Reading Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Reading, Pennsylvania below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Reading drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Reading
#22
City with the Most Speeding Tickets Rank in Pennsylvania
#29
City with the Most Moving Violations Rank in Pennsylvania
#23
City with the Most DUIs Rank in Pennsylvania
#17
City with the Most Suspended Licenses in Pennsylvania
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Reading drivers rank 28 in the number of car accidents per driver across all cities in Pennsylvania.
- Rank within state: #28
- Percent of drivers in Reading with an accident: 9.29%
- Drivers in Reading, PA with an accident in their driving history pay on average 27.92% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Reading drivers rank 22 in the number of speeding infractions per driver.
- Rank within state: #22
- Percent of drivers in Reading with a speeding ticket: 6.25%
- Drivers in Reading, PA with a speeding ticket in their driving history pay on average 35.06% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Reading drivers rank 23 in the number of DUI’s per driver across all cities in Pennsylvania.
- Rank within state: #23
- Percent of drivers in Reading with a DUI: 1.8%
- Drivers in Reading, PA with a DUI in their driving history pay on average -93.51% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Reading is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Reading drivers rank 8 in rude driving infractions.
- Rank within state: #8
- Percent of drivers in Reading with a reckless driving violation: 2.26%
- Drivers in Reading, PA with a reckless driving violation in their driving history pay on average 30.52% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Reading drivers rank 3 in clean driving records across all cities in Pennsylvania.
- Rank within state: #3
- Percent of drivers in Reading with clean record: 83.76%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Reading drivers rank 9 in failure to yield violations per driver across all cities in Pennsylvania.
- Rank within state: #9
- Percent of drivers in Reading with a failure to yield violation: 0.16%
- Drivers in Reading, PA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Reading drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in Reading with a reckless driving offense: 0%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Reading drivers rank 26 in hybrid and electric vehicle ownership across all cities in Pennsylvania.
- Rank within state: #26
- Percent of drivers in Reading with a hybrid/electric vehicle: 0.35%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022