5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
3+ years experience in insurance and personal finance editing
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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The average cost of liability car insurance in Reading is $101 per month, or $1,211 per year. Liability car insurance premiums are higher in Reading compared to the statewide average of $92 per month but comparable to the national average is $104 per month.
Because Reading is one of the more densely populated cities in Pennsylvania, car insurance premiums are more expensive. Additionally, Reading has a relatively high vehicle theft rate compared to other Pennsylvania cities, which can contribute to higher car insurance premiums.[1]
Here’s what you should know about finding cheap car insurance in Reading, including comparing quotes and coverage options.
Quick Facts
Mile Auto, State Farm, and Foremost have the cheapest liability coverage in Reading.
Reading drivers pay an average of $219 per month for full-coverage insurance, which is higher than the state average of $194 and the national average of $213.
Pennsylvania is a “choice” no-fault state. Drivers can choose from limited- or full-tort coverage. If you choose limited tort, you’ll need to file a claim with your own insurer after an accident for medical expenses and other losses.[2]
3 of the cheapest car insurance companies in Reading
Many insurers sell insurance coverage to drivers in Reading. But the right car insurance company will depend on your unique needs, budget, and personal situation. To pick the best car insurance in Reading for your personal needs, it’s a good idea to compare multiple companies and get personalized rate quotes.
Start your search with a few of the cheapest companies in Reading. The quotes below reflect statewide average rates in Pennsylvania.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Foremost
3.5
$163
$59
Cheap rates
Mile Auto
3.5
$72
$53
Infrequent drivers
State Farm
4.5
$103
$55
Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$176/mo
Foremost has one of the cheapest liability-only insurance premiums in the city, on average. The company also offers good customer service, including 24/7 claim handling and 24/7 towing and roadside assistance. Foremost offers three discounts: policy bundling, enrolling in paperless statements, and insuring multiple vehicles.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo
If you drive fewer than 10,000 miles per year, Mile Auto can help you get the most affordable car insurance. Mile Auto exclusively offers pay-per-mile car insurance, so your premium depends on the distance you travel. Every month, you’ll send a picture of your car’s odometer to the insurance company, and it’ll use that information to calculate your rate.
Pros
Good option for infrequent drivers
No vehicle tracking device needed
Cons
Not the cheapest option for people who drive more than 10,000 miles annually
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo
State Farm is the best car insurance company in Reading for customer satisfaction. State Farm earned an above-average customer satisfaction rating in the J.D. Power 2023 U.S. Auto Insurance Study in the Mid-Atlantic region. In terms of cost, State Farm’s car insurance premiums in Reading are below the citywide average.
The company also offers various discounts, including savings for young drivers, bundling car insurance and homeowners insurance, smart students, taking a defensive driving course, and many others. State Farm offers limited endorsements, though.
Pros
Excellent ratings for customer satisfaction and claims satisfaction
Check out other companies and their rates before making a decision.
Perry - April 22, 2024
Verified
Pricing
Be careful of the price quoted. It can change.
Sandra - April 21, 2024
Verified
Fair
They are the cheapest car insurance around.
…
How to get the cheapest car insurance in Reading
Car insurance companies consider a variety of factors to calculate car insurance rates, including your gender, age, ZIP code, and credit score. If you want cheap car insurance in Reading, here are some ways to save money:
Look for discounts. Many car insurance companies offer discounts that can help you get the best deal on auto insurance.
Choose higher deductibles. For policies that require a deductible — such as collision and comprehensive insurance — selecting a higher deductible will lower your monthly premium.
Bundle your policies. You can typically get a better rate when you bundle multiple insurance policies together, like car insurance with home insurance, renters insurance, or life insurance.
Maintain a clean driving record. People with a clean driving record, with no recent accidents or traffic violations, often qualify for a low rate.
Shop around. To get the cheapest car insurance in Reading, shop around and compare quotes from a few different insurance companies. Many insurance businesses offer online quotes, or you can call an agent.
Find Cheap Car Insurance in Reading
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Cheapest liability-only car insurance in Reading: Mile Auto
Pennsylvania requires drivers to purchase liability-only car insurance. It covers your financial obligations when you cause a car accident that results in someone else’s injuries or property damage. Liability-only insurance doesn’t cover your medical expenses or your vehicle repairs after an at-fault accident.
In Reading, the average cost of liability-only car insurance is $101 per month. Minimum coverage is the cheapest type of insurance you can have, but some insurers have lower rates than others.
Below, you can compare the cheapest car insurance companies in Reading for liability-only insurance.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
60
State Farm
62
Foremost
65
Erie
72
National General
73
Auto-Owners
78
Safeco
81
Midvale Home & Auto
92
Travelers
94
GEICO
97
Progressive
97
The General
108
Allstate
109
Plymouth Rock
114
Direct Auto
116
Liberty Mutual
117
Dairyland
124
Nationwide
124
USAA
127
State Auto
131
Bristol West
146
Chubb
146
CSAA
193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Reading: Mile Auto
Full-coverage car insurance includes liability, collision, comprehensive, and medical payments insurance. It provides more protection than minimum coverage — specifically, it covers your vehicle repairs and injuries after an at-fault crash.
Full-coverage auto policies are optional, but many lenders require them if you lease or finance your vehicle. For most drivers, it’s a good idea to pay extra for full coverage, as it provides more financial protection for your losses.
The average cost of full-coverage car insurance in Reading is $219 per month. In the table below, you can see which car insurance companies in Reading have the cheapest rates for full coverage.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
81
State Farm
113
Erie
131
Travelers
133
Safeco
135
Auto-Owners
141
Plymouth Rock
154
Midvale Home & Auto
157
Nationwide
162
Liberty Mutual
170
Foremost
176
GEICO
176
Progressive
177
Direct Auto
185
Allstate
198
State Auto
219
National General
226
CSAA
231
USAA
231
The General
254
Chubb
267
Infinity
268
Bristol West
272
Dairyland
291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Pennsylvania
Vehicle owners in Pennsylvania must carry a minimum amount of personal liability insurance. Because Pennsylvania is a no-fault state, drivers must also have a minimum of $5,000 in personal injury protection (PIP). PIP automatically covers medical expenses for you and your passengers after an accident, regardless of fault.[3]
Here are the specific requirements Pennsylvania drivers must meet.
In addition to the required coverages, many Reading car insurance companies also offer endorsements which can provide more protection. Some of the most common add-on coverages include:
Collision insurance
Collision insurance covers your vehicle after a collision with another vehicle or accident, regardless of fault.
Comprehensive insurance
Comprehensive insurance kicks in to cover vehicle damage related to non-collision incidents, including severe weather, vandalism, and theft.
Roadside assistance
Roadside assistance covers basic roadside repairs if you get stranded. It will pay for things like a battery replacement, fuel delivery, and flat-tire changes.
Gap insurance
Gap insurance can provide peace of mind if you lease or finance your car. If you total your vehicle or someone steals it, gap insurance pays the difference between the car’s diminished value and what you still owe the lender.
Accident forgiveness
Accident forgiveness waives your first at-fault crash so it doesn’t affect your rate. To get accident forgiveness, many insurers require that drivers have a clean record for a certain amount of time.
Cheapest car insurance for drivers with an incident
Reading drivers with an incident on their record, such as speeding tickets and at-fault accidents, usually pay higher car insurance rates than drivers with a clean record. More serious violations, like driving under the influence (DUI), have the biggest effect on premiums.
Insurers view drivers with incidents on their record as high-risk. For example, after a speeding ticket or accident, there is a greater chance of a second incident. To offset the increased risk of a claim, insurers charge higher rates for these drivers. On average, Reading drivers with a past incident pay $101 per month for liability coverage and $219 for full-coverage insurance.
Below, you can see the average cost of liability-only car insurance from several insurance companies in Reading for drivers with a clean record, a speeding ticket, an at-fault accident, and a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Mile Auto
60
80
87
96
State Farm
62
72
79
96
Erie
72
94
100
101
National General
73
87
96
113
Auto-Owners
78
96
102
121
Safeco
81
105
114
125
Travelers
94
114
123
145
GEICO
97
115
125
150
Progressive
97
120
130
150
The General
108
134
144
167
Allstate
109
129
140
168
Direct Auto
116
142
154
179
Liberty Mutual
117
150
162
181
Dairyland
124
153
163
192
Nationwide
124
149
161
192
USAA
127
151
163
196
Bristol West
146
177
188
226
Chubb
146
176
189
226
CSAA
193
238
263
298
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is one of the biggest factors that can affect car insurance premiums in Reading. Teen drivers pay the most expensive rates for car insurance. New drivers lack experience on the road and have a higher accident rate than any other age group.[4]
For most drivers, rates decrease around age 35 but increase around age 70. This is because older drivers are more likely to face injury in a crash and may have impairments, like vision changes, that can affect their ability to drive safely.[5]
In the table below, you can see the average cost of car insurance for Reading drivers in different age groups.
Age
Average Monthly Quote
Teens
$370
20s
$267
30s
$219
40s
$192
50s
$172
60s
$161
70s
$150
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Reading car insurance quotes by credit tier
In Pennsylvania, car insurance companies can use credit-based insurance scores to calculate premiums. In general, drivers with excellent credit scores pay the lowest rates, whereas drivers with poor creditpay the highest rates. Statistically, drivers with bad credit file more insurance claims, which makes them riskier to insure.[6]
In the table below, you can see the monthly average car insurance rates for Reading drivers in different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Reading car insurance FAQs
Before you start shopping for car insurance quotes, you should determine how much auto coverage you need. The following information should help answer your remaining questions about finding cheap car insurance in Reading.
How much is car insurance in Reading?
The average cost of car insurance in Reading is $101 per month for liability coverage and $101 for full-coverage insurance. How much you pay for coverage will ultimately depend on factors such as your driving record, credit history, age, and more.
Which company has the cheapest car insurance in Reading?
With a liability insurance rate of $60 per month, Mile Auto is the cheapest car insurance company in Reading.
State Farm and Foremost also have cheap coverage options, with respective liability rates of $62 and $65 per month. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Reading?
State Farm is the best car insurance company in Reading, thanks to an AM Best financial strength rating of A++ (Superior), low average rates, and high customer satisfaction. The average cost of coverage from State Farm in Pennsylvania is $55 per month for liability coverage and $180 for full coverage.
Other top insurance companies in Reading include GEICO, Progressive, Mile Auto, and Foremost.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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