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.
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.
Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.
When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.
Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
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The average monthly car insurance premium in Reading, Pennsylvania, is $144 for a minimum-coverage policy. But your car insurance rates will vary depending on factors like your age, gender, credit score, claim history, and insurance company.
To help you find the best and most affordable auto insurance in Reading, Insurify compared some of the top insurers based on features like coverage options, discounts, and price. However, the best insurer is different for every person.
Quick Facts
The average full-coverage policy in Reading costs $231 per month, which is $22 lower than the national average of $253.
Clearcover offers the cheapest liability-only insurance in Reading, at $90 per month.
Shopping around and comparing quotes from multiple insurers is the best way to find a policy that meets your budget and coverage needs.
Best car insurance companies in Reading
Many companies sell car insurance in Reading, Pennsylvania. But the best car insurance company is different for every driver.
The table highlights some of the best car insurance companies in Reading, as well as their average premiums for liability-only and full-coverage auto insurance.
Find Cheap Car Insurance in Reading, PA
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Insurance Company
Best For
Average Monthly Quote: Liability Only
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.
Liberty Mutual
Best overall
$151
3.8
Travelers
Best value
N/A
4.3
Clearcover
Most affordable
$90
3.1
Mile Auto
Commuters
$N/A
3.4
State Auto
Families
$N/A
3.8
Progressive
Students
$132
4.0
Direct Auto
Business owners
$151
3.2
The General
High-risk drivers
$154
3.4
Safeco
Luxury-car owners
N/A
3.7
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Liberty Mutual is the best car insurance company overall in Reading, based on Insurify’s research. The company offers a big selection of coverage options, which makes it easy to customize a policy that meets your needs. A variety of discounts are also available for potential savings.
Liberty Mutual has an Insurify Quality (IQ) Score of 3.8 out of 5. Although the company stands out for its excellent coverage options and discounts, it has above-average premiums and was rated below average in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.
Pros
Customizable coverage and many discounts available
Mobile app allows for easy policy management
Cons
Below-average J.D. Power rating for customer satisfaction
Travelers is the best-value car insurance company in Reading, Pennsylvania. Although the company doesn’t have the cheapest rates, its average rate for full-coverage car insurance is below the citywide average rate.
Travelers has the highest IQ Score (4.3) out of the insurance companies Insurify reviewed. It’s also rated above average by J.D. Power for overall customer satisfaction in the Mid-Atlantic region. In addition to low rates, Travelers sells many endorsements, like new-car replacement coverage, gap insurance, and accident forgiveness.
Pros
Many available coverage options
Above-average J.D. Power rating for overall customer satisfaction
Cons
Below-average J.D. Power claims satisfaction rating
Rideshare coverage only available in Colorado and Illinois
Most affordable car insurance in Reading: Clearcover
Clearcover has the cheapest car insurance rates in Reading, based on Insurify’s analysis of recent rate data for the city. The average liability-only premium is $90 per month, which is much lower than the citywide average of $144 per month.
Clearcover’s IQ Score is 3.1, which makes it the lowest-rated company Insurify reviewed. The company doesn’t offer many endorsements, so it may not be the best insurer if you want to customize your policy. And because the company operates entirely online, no in-person agents are available.
Pros
Fast claims processing
Mobile app allows for easy policy management
Cons
No in-person agents
Few available endorsements
Best car insurance in Reading for commuters: Mile Auto
Mile Auto is an excellent car insurance company to consider if you have a short commute to work or school. The company specializes in pay-per-mile car insurance, so your premium is based on the distance you drive. Mile Auto is also a good option if you drive infrequently.
With Mile Auto, you pay a flat monthly fee and an additional fee for each mile driven. The company says that drivers can save between 30% and 40% on their premium when they get a policy from Mile Auto. However, the company only offers a few endorsements, like roadside assistance and rental car reimbursement.
Pros
Pay-per-mile car insurance
Potential for policy savings
Cons
Few available endorsements
No in-person agents
Best car insurance in Reading for families: State Auto
State Auto is a great car insurance option for families. The company sells several tiers of coverage based on the amount of protection you want. For example, the AutoXtended Premier policy includes full-coverage insurance plus cell phone coverage, pet coverage, locksmith coverage, and other unique endorsements.
State Auto also offers a telematics-based safe driver rewards program called State Auto Safety 360. If you demonstrate safe driving habits, you could save up to 50% on your car insurance premium.
Pros
Several coverage tiers available
Safe driver rewards program available
Cons
Few third-party ratings
High number of complaints based on National Association of Insurance Commissioners (NAIC) complaint index
Best car insurance in Reading for students: Progressive
Progressive is a great car insurance company for students in Reading. The company offers savings for students with good grades who attend school more than 100 miles away from home. Parents who insure drivers younger than 18 on their policy can also receive a discount.
Progressive is one of the largest car insurance companies on the market, and it has an IQ Score of 4.0. The company offers a variety of helpful online tools and resources, like the Name Your Price Tool and the AutoQuote Explorer tool. Young drivers can also enroll in the Snapshot safe driver rewards program to save an average of $156 per year.
Pros
Good discounts for students
One of the largest car insurance underwriters
Cons
Below-average J.D. Power rating for customer satisfaction
More complaints than expected for its size, according to NAIC data
Best car insurance in Reading for business owners: Direct Auto
If you own a business with vehicles in Reading, you might consider a commercial auto insurance policy from Direct Auto. The company sells commercial car insurance with several endorsement options, like collision coverage, comprehensive coverage, and fire/theft coverage.
Direct Auto also offers many discounts for commercial auto insurance. You can score savings for affiliation memberships, paying in full, purchasing a new policy, and more.
Pros
Multiple endorsements
Liability coverage limits of up to $1 million
Cons
Quotes for commercial car insurance not available online
Very high number of complaints, based on NAIC data
Best car insurance in Reading for high-risk drivers: The General
The General is an excellent car insurance company for high-risk drivers in Reading. The company specializes in nonstandard car insurance, which makes it a good option for drivers struggling to get auto insurance based on their driving record, credit score, or criminal history.
The General has an IQ Score of 3.4, which falls somewhere in the middle of the other companies Insurify reviewed. Additionally, the company’s average premiums are higher than the citywide average rates in Reading, and there aren’t many coverage options available.
Pros
Coverage available for high-risk drivers
Quotes available online
Cons
Above-average rates
Few coverage options
Best car insurance in Reading for luxury-car owners: Safeco
If you own a luxury vehicle, Safeco is a good car insurance company to consider. The company, which is owned by Liberty Mutual, sells several endorsements that can be beneficial if you have a high-value car, like new-vehicle replacement coverage and guaranteed car repairs when you choose an auto body shop in Safeco’s network.
Safeco also offers several unique benefits, like a disappearing deductible and claim-free cashback program. Because luxury vehicles are often more expensive to insure, these perks could help reduce your premium. You could also get discounts for having a clean driving record, bundling your policies, insuring a vehicle with safety features, and several others.
Pros
Several available coverages for high-value cars
Quotes available online
Cons
Below-average J.D. Power rating for claims satisfaction
More complaints than expected for its size, according to NAIC data
How Insurify rates car insurance companies
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this data, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represents averages across all driver ages, genders, credit scores, and driver profiles for Reading drivers.
How to shop for the best car insurance in Reading
The best car insurance company in Reading is different for every driver. Use these tips to find the best car insurance in Reading for your situation:
Consider your coverage needs. Think about how much coverage and what type of coverage you need. Look for insurance companies that offer the endorsements you want, like accident forgiveness or gap insurance.
Look at the discounts available. Most car insurance companies in Reading offer discounts. Review the discounts offered to see how many are available and which ones you’re eligible for.
Read customer reviews. Before you purchase a car insurance policy, read reviews of the company online. Sites like Trustpilot and the Better Business Bureau (BBB) publish reviews and complaints for many insurance companies.
Get multiple quotes. Car insurance rates vary by insurance company. Getting quotes from several insurers will help you find the cheapest policy for your circumstances.
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How to get the cheapest car insurance in Reading
Here are some ways to get the best cheap car insurance in Reading for your situation:[1]
Bundle your policies. Most insurance companies will give you a discount for bundling your car insurance with a homeowners, renters, or condo insurance policy.
Choose high deductibles. Raising your deductibles for collision and comprehensive insurance will lower your monthly or annual premium. Just make sure your deductible is an amount you can afford to pay out of pocket if you need to file a claim.
Maintain a clean driving record. Drivers with no recent accidents or traffic violations can usually get a discount on their car insurance premiums.
Compare rates. Compare personalized rate quotes from several insurance companies to see which insurer can give you the best deal for the coverage you want.
Liability-only vs. full-coverage insurance in Reading
Full-coverage car insurance covers your liabilities and pays for your vehicle’s repairs after an at-fault accident. The comprehensive portion of your policy covers theft, vandalism, weather-related damage, fires, and other non-collision incidents.[3]
A full-coverage policy is usually optional. But if you lease or finance your vehicle with an auto loan, your lender will often require a full-coverage policy.
Because full coverage provides more protection, the rates are more expensive than liability-only policies. Premiums also depend on the insurance company. For example, Travelers’ average rate for full coverage is $130 cheaper than Liberty Mutual’s average full-coverage premium.
Insurance Company
Average Quote: Liability Only
Average Quote:
Full Coverage
Mile Auto
N/A
$100
Travelers
N/A
$106
State Auto
N/A
$131
Clearcover
$90
$161
Safeco
N/A
$173
Plymouth Rock
$119
$175
Direct Auto
$151
$185
Midvale Home & Auto
$111
$188
Progressive
$132
$197
Liberty Mutual
$151
$236
The General
$154
$250
Bristol West
$175
$262
Dairyland
$220
$426
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.
Pennsylvania car insurance rates by driving and accident history
Your driving record will affect the cost of your auto insurance policy in Pennsylvania. In general, drivers with a clean record pay the lowest rates. Drivers with speeding tickets, at-fault accidents, and DUI convictions typically pay higher rates.
Below, you can see the average monthly rates for the cheapest car insurance in Pennsylvania based on driving and accident history.
Insurance Company
Average Monthly Rate
Average Monthly Rate
Average Monthly Rate
Average Monthly Rate
Mile Auto
$100
$143
$199
$134
Travelers
$106
$152
$211
$142
State Auto
$131
$188
$262
$176
Clearcover
$161
$231
$321
$216
Safeco
$173
$247
$344
$231
Plymouth Rock
$175
$250
$348
$234
Direct Auto
$185
$265
$369
$248
Midvale Home & Auto
$188
$269
$374
$252
Progressive
$197
$282
$392
$264
Liberty Mutual
$236
$338
$470
$316
The General
$250
$357
$497
$335
Bristol West
$262
$374
$520
$350
Dairyland
$426
$610
$848
$571
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.
Reading car insurance quotes by credit tier
In Reading, auto insurance companies use credit-based insurance scores to determine how likely you are to file an insurance claim.[4] Drivers with excellent or good credit scores usually pay lower rates than drivers with poor credit scores. Improving your credit score can often help you save money on your auto insurance policy.
Reading car insurance rates by driver age
Your age is one of the biggest factors that can affect your car insurance premium. Teenagers and young adults usually pay the highest rates, but prices decrease as drivers get older. For instance, the average rate for a driver in their 20s is about $63 more expensive than the average rate for a driver in their 50s.
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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Is car insurance more expensive in Reading?
Car insurance rates in Reading are more expensive than in many other large cities in Pennsylvania. For example, the average full-coverage premium in Erie is 11% less than the average full-coverage premium in Reading.
However, compared to some of the biggest cities in the U.S., Reading’s average car insurance rates are much cheaper. For example, the average full-coverage premium in Philadelphia is 53% more expensive than the average rate in Reading. Only Chicago has a cheaper average full-coverage rate than Reading, based on Insurify rate data.
In the table below, you can see how the average car insurance rates in Reading compare to the average prices in other Pennsylvania cities, as well as the average rates in popular U.S. cities.
City
Average Monthly Quote: Full Coverage
Compared to Reading
Lancaster
$179
-22%
Bethlehem
$183
-21%
York
$199
-14%
Erie
$206
-11%
Harrisburg
$212
-8%
Pittsburgh
$229
-1%
Reading
$231
0%
Allentown
$239
+3%
Philadelphia
$353
+53%
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.
City
Average Monthly Quote: Full Coverage
Compared to Reading
Chicago
$216
-6%
Phoenix
$305
+32%
Dallas
$322
+39%
Houston
$377
+63%
Philadelphia
$353
+53%
Los Angeles
$377
+63%
Atlanta
$417
+81%
New York
$575
+149%
Tampa
$633
+174%
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.
Find local Reading agents
Shadow Insurance Inc
3608 Saint Lawrence Ave, Reading, PA 19606-2355
Vision Insurance
200 Spring Ridge Dr Ste 101, Reading, PA 19610-3334
Reich Insurance Inc
6 Hearthstone Ct Suite 103, Reading, PA 19606
Chester Perfetto Agency Inc
40 Commerce Dr, Reading, PA 19610-1068
Contemporary Insurance Inc
1829 New Holland Rd Ste 12, Reading, PA 19607-2229
If you’re shopping for car insurance in Reading, this additional information may help as you research different companies and coverage options.
Who has the cheapest car insurance in Reading?
The cheapest car insurancecompanies in Reading are Clearcover, Mile Auto, and Travelers, according to Insurify data.
However, the cheapest insurance agency depends on your unique situation and driver profile. For example, Mile Auto is the cheapest insurer for a driver with a DUI on their record. To find the cheapest insurance for you, it’s a good idea to compare rate quotes from several insurers.
What are the best car insurance companies in Reading?
The best car insurance company overall in Reading is Liberty Mutual. The company’s average rates are $151 per month for minimum coverage and $236 per month for full coverage. It has an IQ Score of 3.8 and a financial strength rating of A from AM Best.
Besides Liberty Mutual, Travelers and Progressive are also excellent car insurance companies in Reading.
Is Pennsylvania a no-fault state?
Pennsylvania is a choice no-fault state, which means drivers are allowed to opt out of no-fault car insurance. Drivers that waive no-fault car insurance are required to carry 15/30/5 in personal liability insurance. Drivers that choose no-fault car insurance must purchase at least $5,000 in personal injury protection (PIP).[5]
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.
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.
Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.
When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.
Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
