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Cheap Auto Insurance Quotes in Reading, PA (October 2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated August 31, 2022

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.

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
Safeco
$135
GEICO
$147
Progressive
$157

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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 ReadingQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Plymouth Rock$121 /mo
Clearcover$128 /mo
Safeco$135 /mo
GEICO$147 /mo
Progressive$157 /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 CompaniesScoreQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Clearcover97$128 /mo
Safeco86$135 /mo
Liberty Mutual82$180 /mo
Travelers80$91 /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$159/mo
Pennsylvania$168/mo
Erie
$137
Pittsburgh
$144
Allentown
$153
Reading
$159
Average for PA
$168
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 AgeAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Clean Record$155
Speeding Ticket$213
At-Fault Accident$200
DUI$307

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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 TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 19606-2355
  • 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
  • Fran Kelly Professional Liability LLC

    31 Larchwood Rd,
    Reading, PA 19610-1946
  • The Rigg Darlington Group

    420 N Park Rd Ste 102,
    Reading, PA 19610-2900
  • Farrara Insurance Agency

    124 West Greenwich Street,
    Reading, PA 19601-2719
  • Cross Keys Insurance Inc

    10C Wingco Lane,
    Reading, PA 19605
  • MGS Insurance Agency

    606 Museum Rd,
    Reading, PA 19611-1427
View more

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.

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

Honda Accord

Most Popular Car in Reading

#56

City with the Most Speeding Tickets Rank in Pennsylvania

#54

City with the Most Moving Violations Rank in Pennsylvania

#61

City with the Most DUIs Rank in Pennsylvania

#20

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 43 in the number of car accidents per driver across all cities in Pennsylvania.

    • Rank within state: #43
    • Percent of drivers in Reading with an accident: 9.5%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Reading drivers rank 61 in the number of DUI’s per driver across all cities in Pennsylvania.

    • Rank within state: #61
    • Percent of drivers in Reading with a DUI: 1.1%
  • 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 42 in the number of reckless driving offenses per driver.

    • Rank within state: #42
    • Percent of drivers in Reading with a reckless driving offense: 1.3%
  • 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 46 in rude driving infractions.

    • Rank within state: #46
    • Percent of drivers in Reading with a reckless driving violation: 1.4%
  • 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 56 in the number of speeding infractions per driver.

    • Rank within state: #56
    • Percent of drivers in Reading with a speeding ticket: 6.2%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Reading drivers rank 39 in clean driving records across all cities in Pennsylvania.

    • Rank within state: #39
    • Percent of drivers in Reading with clean record: 79.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Reading drivers rank 62 in hybrid and electric vehicle ownership across all cities in Pennsylvania.

    • Rank within state: #62
    • Percent of drivers in Reading with a hybrid/electric vehicle: 0.41%
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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer 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.

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Sources

  1. Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022