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

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Last Updated: January 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.
$121
$128
$135
$135
$147
Plymouth RockClearcoverNational GeneralSafecoGEICO

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.

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.

Average Car Insurance Cost

$167
$246
$144
$153
$137
$157
PennsylvaniaPhiladelphiaPittsburghAllentownErieReading
Click here to learn about car insurance quotes and save on your current policy.

Reading, PA Driving Facts

pennsylvania

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.

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:

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.

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:

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.

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

Insurify Insights: How Reading Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Reading, PA
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Reading drivers measure up to their fellow Pennsylvania motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Reading

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 paid on average 27.92% more than drivers with a clean record

Speeding in Reading

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 paid on average 35.06% more than drivers with a clean record

DUI/DWIs in Reading

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 paid on average -93.51% more than drivers with a clean record

Most Popular Vehicle in Reading

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.

Rude Drivers in Reading

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 paid on average 30.52% more than drivers with a clean record.

Safest Drivers in Reading

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%

Failure to Yield the Right of Way in Reading

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 paid on average --% more than drivers with a clean record

Reckless Drivers in Reading

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: --%

Hybrid/Electric Vehicle Ownership in Reading

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%

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

How do I find cheap car insurance in Reading, PA?

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.

How much does car insurance cost in Reading, PA?

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.

What drives up car insurance rates in Reading, PA?

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.

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.


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