Cheapest Auto Insurance in Reading, Pennsylvania (2026)
State Farm has the cheapest liability insurance in Reading, with rates as low as $63 per month.
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The average cost of liability car insurance in Reading is $95 per month, or $1,136 per year. Liability car insurance premiums are higher in Reading compared to the statewide average of $90 per month but comparable to the national average is $98 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
State Farm, National General, and Erie have the cheapest liability coverage in Reading.
Reading drivers pay an average of $163 per month for full-coverage insurance, which is higher than the state average of $159 and the national average of $186.
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]
6 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.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best for cheap rates: Foremost
| User Reviews | 3.7 |
|---|
3.7
A solid optionBased on 27 verified driver reviews and ratings
Foremost's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Alaska on May 9, 2025
Auto policy is not available in Alaska currently. Just home and specialty vehicles like motorcycles. So do your research.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.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).
AWhy we picked this company
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.
Pros
Coverage for high-risk drivers
24/7 claim service and roadside assistance
Cons
Fewer available discounts than some competitors
Limited endorsement options
Best for infrequent drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| 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. | $73/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. | $131/mo |
4.5
Best choiceBased on 200 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 67 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
Verified Purchase
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
Verified Review
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
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
No discounts advertised online
Best for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $63/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. | $109/mo |
4.0
Best choiceBased on 17,376 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 45 Pennsylvania reviews for Reading driversSee all 7,440 State Farm reviews
Verified Review
Reviewed in Pennsylvania on April 23, 2026
I have had State Farm for over 30 years. I have gotten quotes from other companies, but none of them beat State Farm.
Verified Review
Reviewed in Pennsylvania on April 21, 2026
Customer service has been very poor lately. I’ve been calling and emailing them for weeks to help explain why my bill went up significantly over the last month. Still no response. What’s the point of having an agent if they don’t do their job?
Verified Review
Reviewed in Pennsylvania on April 16, 2026
Regarding home insurance, don't trust them to come through as expected. My house was hit by my neighbor's burst water pipe that magically cut through my wall. My handler didn't know what to do and simply put my claim into the national list, and no one has come to see me since February 16th, and it's April 16th now. I'm out of a house, my car got hit, and they made me fill out two claims (two deductibles) to fix it. Now someone plucked out my turning signal light, and I need a police report to do anything about it, but couldn't wait past five hours to get the report. So again, delays from all sides are bouncing against one another, making a bad situation worse. I am on the street and can't pay my insurance now because I ran out of money! I am too distraught and angry for a better explanation at this point. Terrible. And after they were wonderful as I worked out my grandma's home policy claim from a fire that took 60% of her house and restored it! I am flabbergasted by this.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
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
Great selection of available discounts
Cons
Few available endorsements
Gap insurance not available to most customers
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
Liability quotes start at $63 per month
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Cheapest liability-only car insurance in Reading: State Farm
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 $95 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 in Reading, PA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| National General | $67 |
| Erie | $73 |
| First Acceptance | $74 |
| Auto-Owners | $78 |
| The General | $83 |
| Travelers | $94 |
| GEICO | $98 |
| Safeco | $100 |
| Direct Auto | $106 |
| Allstate | $109 |
| Bristol West | $115 |
| Root | $121 |
| Nationwide | $124 |
| USAA | $128 |
| Dairyland | $130 |
| Chubb | $147 |
| Liberty Mutual | $151 |
| GAINSCO | $154 |
| State Auto | $171 |
| CSAA | $186 |
Disclaimer: Table data sourced from real-time Reading car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Reading may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Reading: State Farm
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 $163 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 in Reading, PA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $109 |
| Erie | $128 |
| Auto-Owners | $137 |
| National General | $159 |
| Safeco | $165 |
| Travelers | $166 |
| Progressive | $170 |
| GEICO | $171 |
| Liberty Mutual | $186 |
| Allstate | $193 |
| First Acceptance | $193 |
| Root | $204 |
| Nationwide | $218 |
| Direct Auto | $219 |
| Bristol West | $224 |
| USAA | $224 |
| CSAA | $247 |
| Chubb | $259 |
| GAINSCO | $298 |
| State Auto | $301 |
| Dairyland | $328 |
| The General | $341 |
Disclaimer: Table data sourced from real-time Reading car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Reading may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Reading, Pennsylvania drivers
Recent Reading, Pennsylvania car insurance prices for KIA, Toyota, Mercedes Benz, and more.
*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 23, 2026. 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.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection | $5,000 |
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 $95 per month for liability coverage and $163 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 in Reading, PA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $63 | $78 | $81 | $96 |
| National General | $67 | $81 | $86 | $102 |
| First Acceptance | $74 | $87 | $91 | $119 |
| Erie | $73 | $94 | $94 | $111 |
| Auto-Owners | $78 | $99 | $100 | $119 |
| The General | $83 | $108 | $111 | $123 |
| Travelers | $94 | $118 | $123 | $143 |
| GEICO | $98 | $125 | $125 | $148 |
| Safeco | $100 | $128 | $135 | $161 |
| Direct Auto | $106 | $129 | $140 | $161 |
| Allstate | $109 | $138 | $142 | $166 |
| Bristol West | $115 | $141 | $147 | $175 |
| Nationwide | $124 | $156 | $162 | $189 |
| Root | $121 | $157 | $158 | $186 |
| Dairyland | $130 | $157 | $166 | $198 |
| USAA | $128 | $160 | $167 | $195 |
| GAINSCO | $154 | $178 | $191 | $235 |
| Chubb | $147 | $182 | $190 | $224 |
| Liberty Mutual | $151 | $186 | $194 | $230 |
| State Auto | $171 | $221 | $227 | $250 |
| CSAA | $186 | $236 | $271 | $283 |
Disclaimer: Table data sourced from real-time Reading car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Reading 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 is based on real-time Reading quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance in Reading
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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 credit pay 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
Category | Price |
|---|---|
| Excellent | $150 |
| Good | $171 |
| Fair | $188 |
| Poor | $273 |
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 $95 per month for liability coverage and $95 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 $63 per month, State Farm is the cheapest car insurance company in Reading.
National General and Erie also have cheap coverage options, with respective liability rates of $67 and $73 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 $51 per month for liability coverage and $143 for full coverage.
Other top insurance companies in Reading include GEICO, Progressive, Mile Auto, and Foremost.
Sources
- Federal Bureau of Investigation. "Pennsylvania Offenses Known to Law Enforcement."
- NOLO. "Pennsylvania Car Accident Laws."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Information Institute. "Background on: Insurance scoring."
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
