Best Cheap Auto Insurance in Reading, PA (2021)

The average Reading, PA auto insurance rates are $360 per month. The minimum auto insurance in Reading is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Reading, Pennsylvania, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Reading, PA for senior drivers are $2,179 per year
  • The average commute length in Reading is 24.9 minutes
  • The most expensive auto insurance company in Reading for teen drivers is Travelers

Reading, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania 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, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Reading to other Pennsylvania cities, including Lancaster auto insurance rates, Allen auto insurance rates, and Reading auto insurance rates to see how Reading, Pennsylvania auto insurance rates stack up.

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

Minimum Auto Insurance in Reading, Pennsylvania

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

Minimum Required Auto Insurance Coverage in Reading, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Auto insurance rates in Reading, Pennsylvania 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, Pennsylvania

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 $2,455 $2,455 $2,278 $2,278 $8,493 $8,493 $2,687 $2,687
GEICO $2,177 $1,882 $2,063 $1,785 $5,418 $4,699 $2,178 $1,884
Liberty Mutual $4,149 $4,149 $3,801 $3,801 $12,116 $12,116 $5,267 $5,267
Nationwide $2,007 $2,007 $1,902 $1,902 $5,715 $5,715 $2,255 $2,255
Progressive $2,974 $2,974 $2,656 $2,656 $9,704 $9,704 $3,779 $3,779
State Farm $1,963 $1,963 $1,740 $1,740 $7,146 $7,146 $2,172 $2,172
Travelers $1,912 $1,912 $2,074 $2,074 $28,326 $28,326 $2,293 $2,293
USAA $1,174 $1,174 $1,060 $1,060 $3,616 $3,616 $1,559 $1,559

Cheap Reading, Pennsylvania Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Reading, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,493 $8,493
GEICO $5,418 $4,699
Liberty Mutual $12,116 $12,116
Nationwide $5,715 $5,715
Progressive $9,704 $9,704
State Farm $7,146 $7,146
Travelers $28,326 $28,326
USAA $3,616 $3,616

Cheap Reading, Pennsylvania Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Reading, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,278 $2,278
GEICO $2,063 $1,785
Liberty Mutual $3,801 $3,801
Nationwide $1,902 $1,902
Progressive $2,656 $2,656
State Farm $1,740 $1,740
Travelers $2,074 $2,074
USAA $1,060 $1,060

Cheap Reading, Pennsylvania 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, Pennsylvania compared to the annual auto insurance rates with a clean record in Reading, Pennsylvania.

Annual Reading, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,804 $4,501 $3,804 $3,804
GEICO $2,023 $3,506 $2,713 $2,801
Liberty Mutual $5,766 $6,632 $6,469 $6,469
Nationwide $2,143 $2,871 $3,999 $2,866
Progressive $4,323 $6,011 $4,448 $4,330
State Farm $2,966 $3,545 $3,255 $3,255
Travelers $6,109 $8,733 $11,029 $8,733
USAA $1,487 $2,061 $2,198 $1,662

Cheap Reading, Pennsylvania Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Reading, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,804
GEICO $2,713
Liberty Mutual $6,469
Nationwide $3,999
Progressive $4,448
State Farm $3,255
Travelers $11,029
USAA $2,198

Cheap Reading, Pennsylvania Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Reading, Pennsylvania annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Reading, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,074 $3,799 $3,062
GEICO $4,149 $2,333 $1,801
Liberty Mutual $8,088 $5,796 $5,117
Nationwide $3,479 $2,868 $2,561
Progressive $6,324 $4,443 $3,566
State Farm $4,635 $2,868 $2,263
Travelers $9,403 $8,506 $8,044
USAA $2,303 $1,723 $1,530

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Cheap Reading, Pennsylvania Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Reading, Pennsylvania

ZIP Code Average Annual Rates
19602 $5,720
19604 $5,661
19605 $5,006
19606 $5,260
19607 $5,029
19608 $4,870
19611 $5,377

Cheap Reading, Pennsylvania Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Reading, Pennsylvania

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,897 $4,060
GEICO $2,718 $2,803
Liberty Mutual $6,171 $6,496
Nationwide $2,970 $2,970
Progressive $4,778 $4,778
State Farm $3,159 $3,351
Travelers $8,651 $8,651
USAA $1,799 $1,905

Cheap Reading, Pennsylvania Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Reading, Pennsylvania

Insurance Company Low Medium High
Allstate $3,788 $4,006 $4,141
GEICO $2,504 $2,784 $2,994
Liberty Mutual $6,028 $6,379 $6,594
Nationwide $2,981 $3,011 $2,916
Progressive $4,347 $4,818 $5,169
State Farm $3,040 $3,302 $3,424
Travelers $8,710 $8,664 $8,579
USAA $1,722 $1,870 $1,965

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Best By Category: Cheapest Auto Insurance in Reading, Pennsylvania

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

Best Annual Auto Insurance Rates by Company in Reading, Pennsylvania

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

The Cheapest Reading, Pennsylvania Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Reading, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,978
GEICO $2,761
Liberty Mutual $6,334
Nationwide $2,970
Progressive $4,778
State Farm $3,255
Travelers $8,651
USAA $1,852

What affects auto insurance rates in Reading, Pennsylvania?

There are a lot of reasons why auto insurance rates in Reading, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Reading, Pennsylvania. 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, Pennsylvania commute length is 24.9 minutes according to City-Data.

Reading Traffic

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

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Compare Reading, Pennsylvania Auto Insurance Quotes

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