Best Cheap Auto Insurance in Reading, MA (2021)

The average Reading, MA auto insurance rates are $240 per month. The minimum auto insurance in Reading is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Reading, Massachusetts, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Reading, MA for senior drivers are $1,796 per year
  • The minimum auto insurance required in Reading, Massachusetts is 20/40/5
  • The most expensive auto insurance company in Reading for teen drivers is Liberty Mutual

Reading, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Reading can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Reading, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Reading to other Massachusetts cities, including Worcester auto insurance rates, Lynn auto insurance rates, and Boston auto insurance rates to see how Reading, Massachusetts auto insurance rates stack up.

Before you buy Reading, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Reading, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Reading, Massachusetts

Reading, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Reading, Massachusetts.

Minimum Required Auto Insurance Coverage in Reading, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Reading, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Reading, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Reading, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,160 $2,160 $2,160 $2,160 $7,812 $7,812 $2,425 $2,425
GEICO $1,800 $1,800 $1,667 $1,667 $5,151 $5,151 $1,857 $1,857
Liberty Mutual $2,623 $2,623 $2,287 $2,287 $8,758 $8,758 $2,744 $2,744
Progressive $1,953 $1,953 $1,873 $1,873 $7,283 $7,283 $2,114 $2,114
State Farm $862 $862 $862 $862 $2,394 $2,394 $862 $862
Travelers $2,773 $2,773 $2,455 $2,455 $5,693 $5,693 $3,088 $3,088
USAA $1,286 $1,286 $1,267 $1,267 $2,984 $2,984 $1,419 $1,419

Cheap Reading, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Reading, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Reading, Massachusetts.

Annual Auto Insurance Rates for Teen Drivers in Reading, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,812 $7,812
GEICO $5,151 $5,151
Liberty Mutual $8,758 $8,758
Progressive $7,283 $7,283
State Farm $2,394 $2,394
Travelers $5,693 $5,693
USAA $2,984 $2,984

Cheap Reading, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Reading, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Reading, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,160 $2,160
GEICO $1,667 $1,667
Liberty Mutual $2,287 $2,287
Progressive $1,873 $1,873
State Farm $862 $862
Travelers $2,455 $2,455
USAA $1,267 $1,267

Cheap Reading, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Reading, Massachusetts compared to the annual auto insurance rates with a clean record in Reading, Massachusetts.

Annual Reading, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,820 $4,191 $4,725 $2,820
GEICO $2,096 $2,881 $3,288 $2,209
Liberty Mutual $3,238 $4,409 $5,311 $3,453
Progressive $2,782 $3,906 $3,107 $3,426
State Farm $986 $1,342 $1,597 $1,056
Travelers $2,733 $3,784 $4,022 $3,472
USAA $1,241 $1,608 $2,721 $1,387

Cheap Reading, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Reading, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Reading, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Reading, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,725
GEICO $3,288
Liberty Mutual $5,311
Progressive $3,107
State Farm $1,597
Travelers $4,022
USAA $2,721

Cheap Reading, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Reading, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Reading, Massachusetts to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Reading, Massachusetts

ZIP Code Average Annual Rates
1867 $2,879

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Cheap Reading, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Reading, Massachusetts auto insurance. Find the cheapest annual Reading, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Reading, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,524 $3,754
GEICO $2,567 $2,670
Liberty Mutual $3,942 $4,264
Progressive $3,306 $3,306
State Farm $1,216 $1,275
Travelers $3,339 $3,666
USAA $1,691 $1,787

Cheap Reading, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Reading, Massachusetts? Check out the comparison of annual Reading, Massachusetts auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Reading, Massachusetts

Insurance Company Low Medium High
Allstate $3,374 $3,697 $3,846
GEICO $2,409 $2,667 $2,780
Liberty Mutual $3,847 $4,155 $4,307
Progressive $3,040 $3,367 $3,509
State Farm $1,135 $1,268 $1,333
Travelers $3,168 $3,579 $3,759
USAA $1,611 $1,768 $1,838

Best By Category: Cheapest Auto Insurance in Reading, Massachusetts

Compare the cheapest auto insurance companies in Reading, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Reading, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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The Cheapest Reading, Massachusetts Auto Insurance Companies

What auto insurance companies in Reading, Massachusetts are the cheapest? Compare the top Reading, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Reading, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,639
GEICO $2,619
Liberty Mutual $4,103
Progressive $3,306
State Farm $1,245
Travelers $3,502
USAA $1,739

What affects auto insurance rates in Reading, Massachusetts?

There are a lot of reasons why auto insurance rates in Reading, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Reading, Massachusetts. Many local factors may affect your Reading auto insurance rates.

Reading Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Reading, Massachusetts commute length is 34.4 minutes according to City-Data.

Reading Traffic

How does Reading, Massachusetts rank for traffic? According to Inrix Reading, Massachusetts is the 171st most congested worldwide.

Compare Reading, Massachusetts Auto Insurance Quotes

Before you buy Reading, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Reading, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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