Reading Car Insurance

How much does car insurance cost in Reading, PA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Reading?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Pennsylvania has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Reading typically pay around $116.10 per month compared to the national average of $140.66 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.66
Pennsylvania $132.02
Reading, Pennsylvania $116.10

Reading, PA Best Car Insurance Companies

car insurance in Reading

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Reading coming in around $58.22 per month. Other companies to consider if you live in Reading is Penn National with an average cost of $96.16 per month and Erie which typically runs around $97.49 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Reading.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $58.22-55.90%
2 Penn National $96.16-27.16%
3 Erie $97.49-26.15%
4 Verti Insurance $110.56-16.25%
5 State Farm $111.03-15.90%
6 Auto-Owners Insurance Co $120.04-9.07%
7 Atlantic States Insurance $122.25-7.40%
8 Nationwide $126.52-4.17%
9 National General $131.29-0.55%
10 SafeAuto $131.53-0.37%

How Much is Car Insurance in Reading, PA?

how much is auto insurance in Reading

Rates can vary from city to city. The residents of Allentown typically pay $125.93 per month while people who live in Bethlehem will pay $118.51 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Pennsylvania CitiesMonthly Average Rate
Allentown $125.93
Bethlehem $118.51
Erie $115.64
Harrisburg $103.32
Johnstown$92.05
Lancaster $101.87
Mckeesport$102.42
New Castle$100.29
Philadelphia $201.71
Pittsburgh $117.88
Reading $116.08
Scranton $108.37
Valley Forge$73.61
Wilkes Barre $103.71
York $101.45

Cheap Car Insurance in Reading by Zip Codes

find cheap auto insurance in Reading

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Pennsylvania. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Reading, PA ZIP CodeAverage Monthly Rate
17401$163.78
19555$94.45
19601$115.10
19602$113.72
19604$124.83
19605$105.11
19606$114.67
19607$111.92
19608$120.49
19609$110.56
19610$121.68
19611$117.14

Car Insurance Rates by Driver's Age Group in Reading

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $260.94 per month in Reading. Compare that to drivers in their 30’s who typically pay around $103.79 per month drivers in their 40s at $85.73 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$260.94
20s$153.57
30s$103.79
40s$85.73
50s$76.80
60s$81.86
70+$93.01

Cheapest Insurance for Teenage Drivers in Reading

If you are teen in Reading you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $34.85 per month. This is likely the most affordable option in Reading. You might also want to consider Kemper Personal Insurance and National General who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Clearcover$34.85
Kemper Personal Insurance$48.00
National General$80.33
Safeco$214.11
Erie$226.10

Cheapest Insurance for 20 Year-olds in Reading

20 year-olds in Reading might want to consider Clearcover who, on average, offers car insurance rates around $64.16 per month. Verti Insurance , Penn National , Erie and SafeAuto are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$64.16
Verti Insurance$124.07
Penn National$129.57
Erie$132.79
SafeAuto$153.48

Cheapest Insurance for 30 Year-olds in Reading

If you are in your 30s in Reading our research has found that Penn National typically has the most affordable coverage coming in around $69.26 per month, followed by Clearcover at $80.57 and Erie at $85.12.

CompanyAverage Monthly Rate
Penn National$69.26
Clearcover$80.57
Erie$85.12
State Farm$92.53
Travelers$96.32

Cheapest Insurance for 40 Year-olds in Reading

On average, Clearcover offers car insurance for 40 year-olds in Reading for around $41.45 per month. If you are looking for affordable coverage, you may also want to consider National General or Penn National. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$41.45
National General$55.67
Penn National$64.01
Kemper Personal Insurance$65.38
Erie$71.21

Cheapest Insurance for 50 Year-olds in Reading

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Reading we found that Clearcover generally offers the most affordable coverage at $47.89 per month.

CompanyAverage Monthly Rate
Clearcover$47.89
Penn National$53.74
Erie$68.71
State Farm$81.37
Jupiter Auto Insurance$81.45

Cheapest Insurance for 60 Year-olds in Reading

If you live in Reading and you’re in your 60s, our data indicates that Kemper Personal Insurance usually has the best rates at $21.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Kemper Personal Insurance$21.00
Clearcover$41.60
Penn National$53.64
Erie$66.70
State Farm$73.80

Driver's Coverage Auto Insurance Rates in Reading, PA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Reading, the average monthly rate for a driver who is currently insured is $100.99 while drivers who are not currently covered will pay around $131.05.

CoverageAverage Monthly Rate
Not Currently Insured $131.05
Currently Insured $100.99

Compare Recent Car Insurance Quotes in Reading

auto insurance quotes in Reading city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Reading a driver of a 2017 Lexus Is can expect to pay around $276.17 per month while someone that owns a 2018 Chevrolet Equinox may pay around $225.29 per month. Check out the list of recent quotes in Reading below.

VehicleAverage Monthly Rate
2017 Lexus Is$276.17
2018 Chevrolet Equinox$225.29
2016 Mitsubishi Lancer$272.73
2012 Mazda 3$60.00
2014 Audi A4$156.76
2007 Toyota Scion Tc$83.90
2015 Chevrolet Equinox$59.15

FAQ's for Drivers in Reading, PA

driver’s frequently asked question in Reading

What Is the Minimum Liability Coverage Requirement in Reading, PA?

Every state requires drivers to have a minimum amount of liability coverage. Pennsylvania drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Pennsylvania, you are legally required to obtain both liability insurance and personal injury protection.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Reading, PA?

It is illegal for an individual to operate a motor vehicle in Pennsylvania with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What happens if I don’t have insurance or my coverage lapses?

Since liability insurance is a minimum requirement in your state (and most others), there are penalties for being caught driving without it. The fines are as high as $300 and you risk registration suspension, license suspension, and an impounded car. Don’t take the chance!

Check Out Other Rates in Reading, PA Nearby Cities:

Allentown, PA

Lancaster, PA

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Commute Time in Reading, PA

24.8 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Reading, PA

373

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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