Cheapest Auto Insurance in Reading, Pennsylvania (2024)

State Farm has the cheapest liability insurance in Reading, with rates as low as $55 per month.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Katie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated July 11, 2024

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Cheapest recent rates near Reading, Pennsylvania

Drivers in and around Reading, Pennsylvania have found policies from National General, Direct Auto, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of liability car insurance in Reading is $102 per month, or $1,229 per year. Liability car insurance premiums are higher in Reading compared to the statewide average of $94 per month but comparable to the national average is $105 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, Mile Auto, and Erie have the cheapest liability coverage in Reading.

  • Reading drivers pay an average of $200 per month for full-coverage insurance, which is higher than the state average of $187 and the national average of $214.

  • 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]

3 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Foremost7.4$179$69Cheap rates
Mile Auto7.5$70$52Infrequent drivers
State Farm9.3$96$51Customer satisfaction
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best for cheap rates: Foremost

Compare personalized, real-time quotes
User Reviews
2.4
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.
7.4/10
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.
$74/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.
$193/mo

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

Read more driver reviews of Foremost
Johnny - June 24, 2024
Verified

Not too satisfied with customer service

I assumed my payment would be on the first of every month, but it's not.

Christopher - September 13, 2022
Verified

Good

The roadside service is awful.

Travis - March 6, 2018
Verified

Average

They tell you one price and it ends up being something else.

Best for infrequent drivers: Mile Auto

Compare personalized, real-time quotes
A.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).
NR
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.
7.5/10
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.
$56/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.
$76/mo

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

Compare personalized, real-time quotes
User Reviews
3.3
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.
$55/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.
$104/mo

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

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

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 $55 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 $102 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$55
Mile Auto$56
Erie$64
Auto-Owners$68
National General$72
Foremost$74
Travelers$82
GEICO$85
Progressive$85
Safeco$88
Allstate$96
Plymouth Rock$102
Direct Auto$104
The General$104
Nationwide$108
USAA$111
Chubb$128
Dairyland$132
Liberty Mutual$135
Bristol West$140
State Auto$150
CSAA$161
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.

Cheapest full-coverage car insurance in Reading: Mile Auto

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 $200 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$76
State Farm$104
Erie$120
Auto-Owners$129
Plymouth Rock$142
Midvale Home & Auto$145
Safeco$145
Travelers$156
GEICO$161
Progressive$162
Allstate$181
Liberty Mutual$186
National General$186
Foremost$193
CSAA$195
Direct Auto$201
Nationwide$206
USAA$211
State Auto$232
Chubb$245
The General$258
Bristol West$261
Infinity$265
Dairyland$305
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.

Cheapest recent rates near Reading, Pennsylvania

Drivers in and around Reading, Pennsylvania have found policies from Safeco, Progressive, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Reading, Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision insurance

    Collision insurance covers your vehicle after a collision with another vehicle or accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive insurance

    Comprehensive insurance kicks in to cover vehicle damage related to non-collision incidents, including severe weather, vandalism, and theft.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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 $102 per month for liability coverage and $200 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$55$67$72$90
Mile Auto$56$73$80$82
Erie$64$80$86$105
Auto-Owners$68$84$90$111
National General$72$88$96$118
Foremost$74$100$107$121
Travelers$82$101$109$134
GEICO$85$104$112$139
Progressive$85$105$114$139
Safeco$88$110$113$144
Allstate$96$118$127$157
Plymouth Rock$102$135$147$150
Direct Auto$104$128$140$170
The General$104$129$140$170
Nationwide$108$134$144$177
USAA$111$136$146$182
Chubb$128$160$170$210
Dairyland$132$163$174$216
Liberty Mutual$135$183$194$221
Bristol West$140$171$182$229
State Auto$150$200$217$246
CSAA$161$203$222$264
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.

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.

AgeAverage Monthly Quote
Teens$370
20s$267
30s$219
40s$192
50s$172
60s$161
70s$150
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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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

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.

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 $102 per month for liability coverage and $102 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 $55 per month, State Farm is the cheapest car insurance company in Reading.

    Mile Auto and Erie also have cheap coverage options, with respective liability rates of $56 and $64 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 $168 for full coverage.

    Other top insurance companies in Reading include GEICO, Progressive, Mile Auto, and Foremost.

Sources

  1. Federal Bureau of Investigation. "Pennsylvania Offenses Known to Law Enforcement."
  2. NOLO. "Pennsylvania Car Accident Laws."
  3. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  5. Centers for Disease Control and Prevention. "Older Adult Drivers."
  6. Insurance Information Institute. "Background on: Insurance scoring."
Elizabeth Rivelli
Elizabeth Rivelli

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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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