Cheapest Car Insurance Quotes in Reading

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399,755 Policies Sold

Reading Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Reading

The car insurance rate in Reading is $762 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $271, making it a popular choice for budget-conscious drivers. Rates in Reading can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Reading

$762

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Reading

1st place: American Family

At $271 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $677 for six months, making it the third cheapest auto insurance company in Reading.

Reading Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Reading, OH is American Family, offering policies at just $271 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $433.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $866 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Reading drivers find the best deals.

Cheap Car Insurance Companies in Reading, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$271	$46
Auto-Owners Insurance Co	$433	$72
Travelers	$677	$115
Erie	$684	$115
State Farm	$691	$117
USAA	$691	$116
Hastings Mutual	$705	$120
Nationwide	$711	$120
Central Mutual	$820	$139
Progressive	$826	$139
Farmers	$1002	$170
Grange	$1070	$178
Allstate	$1226	$206
Westfield	$866	$147

Key Takeaways

Way's key takeaways about car insurance in Reading

The auto insurance costs in Reading fall around $271 for six months.
The cheapest auto insurance company in Reading is American Family.
Teen drivers pay the highest rate in Reading at $806 per month.

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Cheapest Minimum Liability Car Insurance in Reading

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Reading are given below.

American Family provides the cheapest minimum car insurance coverage in Reading. Their Average 6 Month Premium is $143. Allstate is the most expensive at $514 for the same period.

Cheapest Liability Coverage in Reading, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Central Mutual	$156	$26
Auto-Owners Insurance Co	$170	$28
Westfield	$176	$30
USAA	$182	$31
Erie	$203	$34
State Farm	$223	$38
Progressive	$244	$41
Nationwide	$271	$46
Travelers	$284	$48
Auto-Owners	$298	$50
Farmers	$380	$65
Grange	$413	$68
Allstate	$514	$87

Cheapest Full Coverage Car Insurance in Reading

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Reading is American Family at $46 per month and $271 for six months.

Cheapest Full Coverage Car Insurance Quotes in Reading, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$271	$46
Auto-Owners Insurance Co	$433	$72
Travelers	$677	$115
Erie	$684	$115
State Farm	$691	$117
USAA	$691	$116
Hastings Mutual	$705	$120
Nationwide	$711	$120
Central Mutual	$820	$139
Progressive	$826	$139
Farmers	$1002	$170
Grange	$1070	$178
Allstate	$1226	$206
Westfield	$866	$147

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Average Car Insurance in Reading by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Reading, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Reading, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Reading's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Reading

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$614
30s	USAA	$434
40s	USAA	$394
50s	USAA	$365
60s	USAA	$383
70s	USAA	$464

Cheapest Car Insurance Rates for Teen Drivers in Reading,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Reading at $25 per month. At $4740 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Westfield	$182	$31
USAA	$942	$158
Erie	$1002	$169
Travelers	$1226	$206
Nationwide	$1909	$321
Progressive	$1916	$323
Allstate	$2607	$439
State Farm	$2810	$478
Grange	$3102	$516
Farmers	$4740	$806

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Reading.

As young drivers face the highest rates in Reading, USAA offers the cheapest auto insurance rates at $614 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Reading, American Family is the cheapest car insurance provider. At $230 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Reading is Allstate, offering rates of around $1957 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$230	$39
Westfield	$291	$49
Nationwide	$772	$130
Erie	$799	$135
Progressive	$799	$135
USAA	$866	$145
Grange	$887	$149
Allstate	$1957	$326

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Car Insurance Rates with An Accident in Reading

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Reading, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Reading

The cheapest car insurance companies after an at-fault accident in Reading include Central Mutual and American Family, offering $156 and $176, respectively. Frankenmuth is an expensive provider with an average six-month premium of $278.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$156	$26
American Family	$176	$30
Auto-Owners Insurance Co	$271	$46
Westfield	$271	$46
Erie	$373	$63
Nationwide	$779	$131
Travelers	$1043	$176
Grange	$1306	$222
USAA	$1375	$231
Auto-Owners	$1550	$261
Progressive	$2195	$369
Allstate	$2587	$435
State Farm	$5201	$866
Frankenmuth	$278	$47

Reading Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Reading OH. For example, the car insurance in Reading after a DUI increases to $793 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Reading auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$833	$139
One Med/PIP claim	$853	$145
Not-at-fault accident	$866	$145
One comp claim	$887	$150
Two Med/PIP claims	$887	$148
Two comp claims	$928	$157
Failure to show documents	$935	$156
Driving without lights	$955	$162
Failure to wear a seat belt	$955	$160
Child safety restraint	$975	$165
Driving with expired registration	$975	$163
Driving too slowly	$1009	$171
Speeding 11 - 15 MPH over limit	$1009	$169
Speeding 6 - 10 MPH over limit	$1009	$171
Speeding in school zone	$1009	$169
Cell phone violation	$1016	$173
Failure to yield	$1016	$170
Following too closely	$1016	$173
Illegal turn	$1016	$170
Texting while driving	$1016	$173
Wrong way/wrong lane	$1016	$170
Failure to stop at a red light	$1023	$174
Improper passing	$1029	$171
Speeding 16 - 20 MPH over limit	$1029	$176
At-fault accident - less than $1000	$1064	$177
Passing school bus	$1070	$182
Speeding 21 - 25 MPH over limit	$1097	$182
In 65 MPH zone	$1110	$189
At-fault accident - $1000-$2000	$1226	$204
At-fault accident - greater than $2000	$1232	$210
Open container	$1232	$205
Operating a vehicle without permission	$1239	$211
Reckless driving	$1571	$262
Racing	$1598	$271
Refusal to submit to a chemical test	$1598	$267
Driving with a suspended license	$1612	$274
DUI	$1626	$271
Leaving scene of an accident/hit and run	$1672	$284

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Reading after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Reading.

The cheapest car insurance premiums in Reading are offered by American Family at $176 for a six-month policy. However, it can be as expensive as $1713 with companies like Grange.

Reading car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
Erie	$528	$89
Travelers	$562	$95
Progressive	$657	$111
USAA	$684	$115
Nationwide	$995	$168
State Farm	$1090	$186
Farmers	$1354	$226
Allstate	$1659	$279
Grange	$1713	$285

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Reading are offered by American Family at $176. However, it can be as expensive as $1537 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Reading after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
Auto-Owners Insurance Co	$176	$30
Westfield	$189	$32
Erie	$393	$66
USAA	$622	$104
Nationwide	$650	$109
Progressive	$684	$115
Allstate	$1490	$253
Grange	$1537	$257

Car Insurance Price Trends in Reading, Ohio

Car insurance rates in Reading have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Reading rose by $136 in December compared to $132 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Reading rose to $41 in December, compared to $40 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Reading?

The car insurance in Reading is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Reading?

The cheapest car insurance in Reading is $46 per month for full coverage.

How much is car insurance in Reading for teenagers?

Car insurance for teenagers costs $149 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Reading?

The average cost of car insurance is $668 for a six-month policy. It will cost around $128 per month to insure your car in Reading.

Is car insurance expensive in Reading?

Car insurance can be expensive in Reading if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Reading can be affordable.

Cheapest Car Insurance Quotes in Reading

Why you can trust Way?

How Much Is Car Insurance in Reading

Avg. Car Insurance in Reading

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Reading

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Reading Car Insurance Rates by Company

Cheap Car Insurance Companies in Reading, OH

Way's key takeaways about car insurance in Reading

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Reading

Cheapest Liability Coverage in Reading, OH

Cheapest Full Coverage Car Insurance in Reading

Cheapest Full Coverage Car Insurance Quotes in Reading, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Reading by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Reading, OH increasing?

Car Insurance Premiums by Age in Reading

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Reading,OH

If you are in your twenties USAA is the best choice for car insurance in Reading.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Reading

Cheapest Car Insurance Companies after an At-Fault Accident in Reading

Reading Car Insurance Rates by Violation

Reading auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Reading after a DUI

Reading car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Reading after Speeding ticket

Car Insurance Price Trends in Reading, Ohio

Average Car Insurance Cost in Reading by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Reading, OH

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources