Cheap Auto Insurance Quotes in Reading, PA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

There are more than 88,000 Reading residents, and driving is the primary mode of transportation, only because they can't all be conductors on the Reading Railroad of Monopoly fame. And speaking of Monopoly, why not get a little more to stash in the bank by saving money on your car insurance?

Over 74 percent of Reading households own cars. There are many ways to get around, but the key to happy driving is finding an affordable auto insurance policy in the Keystone State.

Car Insurance in Reading, PA

The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Reading, PA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Reading, PA

Here are the cheapest carriers in Reading for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Reading, PA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Reading. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Reading, PA Driving Facts

Minimum Car Insurance Requirements in PA

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 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 are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.

  • $5,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $5,000/accident for Medical Benefits (PIP)

The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.

Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.

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Reading Car Insurance Rates by Driver Age

Age is just a number, except when it comes to figuring out car insurance policies. Because insurance companies use age as an indicator of risk, trying to control the age-related risk they assign you is a losing battle. At $303 per month, teens in Reading cost more to insure than other drivers because they carry the most significant risk. To combat this cost, teens can try to qualify for other insurance discounts and keep their driving record clean.

Driver's AgeAvg. Monthly Cost
teens$304
20s$201
30s$158
40s$218
50s$129
60s$129
70s$128
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$179
Speeding Ticket$229
At-Fault Accident$220
Failure to Stop for Red Light / Stop Sign$225

Reading Car Insurance Rates by Driving and Accident History

Even if your insurance policy is established, your rates can still change. In Reading, people with violations on their record experience increased rates both when they establish their policies and upon renewal. Why? Irresponsible driving signals to the insurance company that you are more of a risk. Drivers with a clean record pay $178 on average in insurance premiums, while drivers with violations pay an average of $46 more monthly.

Reading Car Insurance Rates by Credit Tier

Most insurance companies use credit-based insurance scoring to pinpoint and assign risk. How can your credit score have an impact on how much you pay for your insurance premiums in Pretzel City? Studies show that people who are good at managing their money are less of a claims risk than those who aren’t. Drivers in Reading with a good insurance score can expect to pay on average $187 to insure their vehicle monthly.

Credit TieAvg. Monthly Cost
Excellent$208
Good$188
Average$187
Poor$189

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Reading stacks up for the state of Pennsylvania:

honda
Honda Accord
Most Popular Car in
Reading, PA
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

FAQs - Reading, PA Car Insurance

Why is car insurance so expensive in Reading?

Reading ranks second for DUIs and moving violations in Pennsylvania and sixth for speeding tickets and most suspended licenses. Insurers increase rates to offset the risk.

How can I get the cheapest car insurance in Reading?

Reading residents who go with the state minimum coverage get the cheapest rates. It's the lowest level of protection Pennsylvania allows. If you're financing your vehicle, you may also need comprehensive and collision coverage. In that case, lower your bill by increasing your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Reading?

Auto insurance rates vary by city, company, and driver. If you're looking for prices tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a premium you can afford.