Buy Cheap Reading, PA Auto Insurance (2022)

Reading, PA auto insurance rates average $360 a month. Minimum auto insurance requirements in Reading, Pennsylvania are 15/30/5 to comply with Pennsylvania laws. To buy cheap auto insurance in Reading, PA, compare Reading auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Reading, PA after a DUI are $4,739/year
  • The most expensive auto insurance company in Reading after a DUI is Travelers
  • The most expensive auto insurance company in Reading is Travelers

Finding affordable Reading, Pennsylvania auto insurance can be challenging, but everything you need to know to buy cheap Reading, PA auto insurance with confidence is right here. Auto insurance rates in Reading are affected by local factors as well as personal ones like your driving record.

See how Reading, PA car insurance rates compare to Bethlehem auto insurance rates, Erie auto insurance rates, and Harrisburg auto insurance rates before you read more about the cost of auto insurance in Reading.

Don’t buy Reading, PA auto insurance until you’ve compared rates. Get free Reading, Pennsylvania auto insurance quotes when you enter your ZIP code above.

Reading, PA Minimum Auto Insurance Requirements

The required auto insurance in Reading, PA is 15/30/5 according to the auto insurance laws in Pennsylvania. The minimum auto insurance in Reading, Pennsylvania is outlined here.

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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Find Cheap Reading, PA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Reading, PA. Take a look at Reading, Pennsylvania auto insurance rates by credit history.

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

Buy Cheap Reading, PA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Reading, Pennsylvania auto insurance rates? Find out how car insurance rates in Reading, PA are impacted by demographics.

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

Buy Cheap Reading, PA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Reading can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Reading, PA are listed here.

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

Buy Cheap Reading, PA Auto Insurance for Seniors

You can save on senior auto insurance rates in Reading, Pennsylvania by comparing Reading senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Reading, PA here.

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

Find Cheap Auto Insurance Rates in Reading, PA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Reading, Pennsylvania auto insurance. Compare Reading, PA 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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Find Cheap Reading, PA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Reading. Compare auto insurance rates in Reading, PA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Reading, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Reading, PA Auto Insurance Rates by ZIP Code

Auto insurance rates in Reading, Pennsylvania can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Reading, PA to see how much where you live in Reading affects the cost of car insurance.

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

Find Cheap Reading, PA Auto Insurance Rates by Driving Record

Auto insurance rates in Reading, Pennsylvania are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Reading, PA, take a look at the average cost for various violations versus rates for a clean driving record in Reading.

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

Find Cheap Reading, PA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Reading, Pennsylvania is higher than for a clean driving record. You can buy auto insurance after a DUI in Reading for less when you shop around and compare rates from multiple Reading, PA auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Reading, PA

Compare rates from the cheapest auto insurance companies in Reading, PA for your needs. Take a look at how Reading, Pennsylvania auto insurance companies stack up for each category.

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

Find Cheap Reading, Pennsylvania Auto Insurance Companies

If you’re looking for the cheapest Reading, PA auto insurance companies overall, you can compare them here. Find the best price for Reading, Pennsylvania car insurance by company.

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 Reading, Pennsylvania auto insurance rates?

Local factors affect auto insurance rates in Reading, PA, including traffic, theft statistics, and commute length. Take a look at the things that impact Reading auto insurance rates.

Commute Times in Reading

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Reading, PA is 24.9 minutes according to City-Data.

Traffic in Reading

How is traffic in Reading, Pennsylvania? Inrix data shows that Reading, PA traffic makes it the 171st-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Reading, PA

You can buy cheap Reading, PA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Reading, Pennsylvania auto insurance quotes from top companies.

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