Cheapest Car Insurance Quotes in Reading

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401,895 Policies Sold

Reading Car Insurance

^$ 25

/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 $802 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, 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

$802

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Reading

1st place: AutoOwners Insurance Co

At $379 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $569 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, PA is AutoOwners Insurance Co, offering policies at just $379 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $526.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1003 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, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
American National P&C	$526	$90
Travelers	$569	$96
Westfield	$630	$107
Erie	$783	$132
State Farm	$863	$145
Nationwide	$912	$153
Allstate	$1089	$183
USAA	$1101	$185
Progressive	$1382	$233
Auto-Owners	$391	$67
Encompass	$1003	$167

Key Takeaways

Way's key takeaways about car insurance in Reading

The auto insurance costs in Reading fall around $379 for six months.
The cheapest auto insurance company in Reading is Westfield.
Teen drivers pay the highest rate in Reading at $632 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.

Westfield provides the cheapest minimum car insurance coverage in Reading. Their Average 6 Month Premium is $147. AutoOwners is the most expensive at $79 for the same period.

Cheapest Liability Coverage in Reading, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
Auto-Owners Insurance Co	$153	$26
Travelers	$183	$31
Erie	$196	$33
American National P&C	$202	$34
Chubb	$214	$36
State Farm	$256	$43
USAA	$275	$46
Progressive	$312	$52
Nationwide	$318	$55
Allstate	$508	$84
Auto-Owners	$79	$13

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 AutoOwners Insurance Co at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Reading, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
American National P&C	$526	$90
Travelers	$569	$96
Westfield	$630	$107
Erie	$783	$132
State Farm	$863	$145
Nationwide	$912	$153
Allstate	$1089	$183
USAA	$1101	$185
Progressive	$1382	$233
Auto-Owners	$391	$67
Encompass	$1003	$167

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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, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Reading, Pennsylvania, may be increasing due to several external factors. Pennsylvania 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	Travelers	$581
30s	Travelers	$402
40s	Travelers	$378
50s	Travelers	$362
60s	Travelers	$362
70s	Travelers	$425

Cheapest Car Insurance Rates for Teen Drivers in Reading,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Reading at $26 per month. At $3793 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$177	$30
American National P&C	$233	$39
Chubb	$256	$43
Travelers	$734	$124
Erie	$899	$151
State Farm	$1230	$207
USAA	$1615	$275
Allstate	$2704	$451
Progressive	$3744	$637
Nationwide	$3793	$632

Teen Car Insurance Rates in PA by Age

Way Tip

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

As young drivers face the highest rates in Reading, Travelers offers the cheapest auto insurance rates at $581 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, Westfield is the cheapest car insurance provider. At $239 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 State Farm, offering rates of around $3286 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$324	$56
USAA	$930	$155
Nationwide	$942	$159
Erie	$1499	$250
Travelers	$1701	$289
Allstate	$2289	$381
Progressive	$2520	$428
State Farm	$3286	$548

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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, PA, 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 Westfield and AutoOwners Insurance Co, offering $214 and $245, respectively. Donegal is an expensive provider with an average six-month premium of $239.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$214	$36
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$294	$49
Erie	$422	$71
Travelers	$441	$74
State Farm	$453	$76
USAA	$801	$135
Nationwide	$1138	$194
Allstate	$1395	$233
Progressive	$1480	$251
Auto-Owners	$79	$13
Donegal	$239	$40

Reading Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Reading PA. For example, the car insurance in Reading after a DUI increases to $1028 for a six month policy. While the rate increases by $1132 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	$1132	$188
Cell phone violation	$1321	$225
Failure to wear a seat belt	$1321	$220
Failure to stop at a red light	$1334	$227
Illegal turn	$1334	$222
Improper passing	$1334	$227
Speeding in school zone	$1334	$222
Texting while driving	$1334	$227
Driving with expired registration	$1340	$224
Speeding 16 - 20 MPH over limit	$1340	$228
Wrong way/wrong lane	$1352	$226
Open container	$1432	$243
Reckless driving	$2087	$348
Racing	$2123	$361
DUI	$2160	$359
Driving with a suspended license	$2172	$370
Leaving scene of an accident/hit and run	$2191	$365

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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 National P&C at $331 for a six-month policy. However, it can be as expensive as $2564 with companies like Nationwide.

Reading car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$331	$55
Travelers	$520	$88
Erie	$770	$130
Allstate	$985	$166
Progressive	$1040	$175
State Farm	$1046	$176
USAA	$1095	$184
Nationwide	$2564	$432

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 Westfield at $129. However, it can be as expensive as $1658 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Reading after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$165	$28
Erie	$471	$79
Travelers	$471	$79
State Farm	$539	$91
USAA	$1040	$173
Allstate	$1395	$237
Progressive	$1480	$247
Nationwide	$1658	$282

Car Insurance Price Trends in Reading, Pennsylvania

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 $174 in December compared to $172 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Reading rose to $39 in December, compared to $38 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Reading by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Reading. At $858 for a six-month policy, insuring your car at 19610 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
19610	$858	$144
19601	$922	$155
19611	$834	$140
19607	$882	$148
19606	$930	$156
19609	$834	$140
19608	$882	$148
19602	$858	$144
19605	$874	$147
19604	$906	$152

Frequently Asked Questions

How much is car insurance in Reading?

The car insurance in Reading is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Reading?

The cheapest car insurance in Reading is $63 per month for full coverage.

How much is car insurance in Reading for teenagers?

Car insurance for teenagers costs $153 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 $779 for a six-month policy. It will cost around $135 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 Pennsylvania

National Average

Cheapest Car Insurance Companies in Reading

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Reading Car Insurance Rates by Company

Cheap Car Insurance Companies in Reading, PA

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, PA

Cheapest Full Coverage Car Insurance in Reading

Cheapest Full Coverage Car Insurance Quotes in Reading, PA

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, PA 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,PA

If you are in your twenties Travelers 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, Pennsylvania

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, PA

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

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Data Sources