Cheapest Car Insurance Quotes in West Reading

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West 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 West Reading

The car insurance rate in West Reading is $810 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in West 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 West Reading

$810

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in West Reading

1st place: AutoOwners Insurance Co

At $383 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 $531 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $574 for six months, making it the third cheapest auto insurance company in West Reading.

West Reading Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Reading, PA is AutoOwners Insurance Co, offering policies at just $383 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $531.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1013 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Reading drivers find the best deals.

Cheap Car Insurance Companies in West Reading, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$383	$63
American National P&C	$531	$90
Travelers	$574	$97
Westfield	$636	$108
Erie	$790	$133
State Farm	$872	$147
Nationwide	$920	$155
Allstate	$1099	$185
USAA	$1112	$187
Progressive	$1396	$235
Auto-Owners	$395	$68
Encompass	$1013	$168

Key Takeaways

Way's key takeaways about car insurance in West Reading

The auto insurance costs in West Reading fall around $383 for six months.
The cheapest auto insurance company in West Reading is Westfield.
Teen drivers pay the highest rate in West Reading at $639 per month.

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Cheapest Minimum Liability Car Insurance in West 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 West Reading are given below.

Westfield provides the cheapest minimum car insurance coverage in West Reading. Their Average 6 Month Premium is $149. AutoOwners is the most expensive at $80 for the same period.

Cheapest Liability Coverage in West Reading, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$155	$26
Travelers	$185	$31
Erie	$198	$33
American National P&C	$204	$34
Chubb	$216	$36
State Farm	$259	$44
USAA	$278	$47
Progressive	$315	$52
Nationwide	$321	$55
Allstate	$513	$85
Auto-Owners	$80	$14

Cheapest Full Coverage Car Insurance in West 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 West Reading is AutoOwners Insurance Co at $63 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Reading, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$383	$63
American National P&C	$531	$90
Travelers	$574	$97
Westfield	$636	$108
Erie	$790	$133
State Farm	$872	$147
Nationwide	$920	$155
Allstate	$1099	$185
USAA	$1112	$187
Progressive	$1396	$235
Auto-Owners	$395	$68
Encompass	$1013	$168

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Average Car Insurance in West 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 West Reading, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in West 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, West 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 West 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	$587
30s	Travelers	$406
40s	Travelers	$382
50s	Travelers	$365
60s	Travelers	$365
70s	Travelers	$430

Cheapest Car Insurance Rates for Teen Drivers in West Reading,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the West Reading at $26 per month. At $3830 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
Auto-Owners Insurance Co	$179	$30
American National P&C	$235	$40
Chubb	$259	$44
Travelers	$742	$125
Erie	$908	$153
State Farm	$1242	$209
USAA	$1631	$278
Allstate	$2730	$456
Progressive	$3780	$643
Nationwide	$3830	$639

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 West Reading.

As young drivers face the highest rates in West Reading, Travelers offers the cheapest auto insurance rates at $587 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 West Reading, Westfield is the cheapest car insurance provider. At $241 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 West Reading is State Farm, offering rates of around $3318 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Auto-Owners Insurance Co	$248	$42
Chubb	$290	$49
American National P&C	$328	$56
USAA	$939	$156
Nationwide	$952	$160
Erie	$1513	$253
Travelers	$1717	$292
Allstate	$2311	$385
Progressive	$2545	$433
State Farm	$3318	$553

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Car Insurance Rates with An Accident in West 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 West Reading, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in West Reading include Westfield and AutoOwners Insurance Co, offering $216 and $248, respectively. Donegal is an expensive provider with an average six-month premium of $241.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$216	$36
Auto-Owners Insurance Co	$248	$42
Chubb	$290	$49
American National P&C	$296	$50
Erie	$426	$72
Travelers	$445	$75
State Farm	$458	$77
USAA	$809	$136
Nationwide	$1149	$196
Allstate	$1408	$235
Progressive	$1494	$254
Auto-Owners	$80	$14
Donegal	$241	$41

West Reading Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Reading PA. For example, the car insurance in West Reading after a DUI increases to $1038 for a six month policy. While the rate increases by $1143 for a six-month policy in the case of a speeding ticket.

West Reading auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1143	$190
Cell phone violation	$1334	$227
Failure to wear a seat belt	$1334	$223
Failure to stop at a red light	$1347	$229
Illegal turn	$1347	$225
Improper passing	$1347	$229
Speeding in school zone	$1347	$225
Texting while driving	$1347	$229
Driving with expired registration	$1353	$226
Speeding 16 - 20 MPH over limit	$1353	$230
Wrong way/wrong lane	$1366	$228
Open container	$1446	$245
Reckless driving	$2107	$352
Racing	$2143	$364
DUI	$2181	$363
Driving with a suspended license	$2193	$373
Leaving scene of an accident/hit and run	$2212	$368

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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 West 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 West Reading.

The cheapest car insurance premiums in West Reading are offered by American National P&C at $334 for a six-month policy. However, it can be as expensive as $2589 with companies like Nationwide.

West Reading car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$334	$55
Travelers	$525	$88
Erie	$778	$131
Allstate	$994	$167
Progressive	$1050	$177
State Farm	$1057	$178
USAA	$1106	$186
Nationwide	$2589	$436

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 West Reading are offered by Westfield at $130. However, it can be as expensive as $1674 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Reading after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Auto-Owners Insurance Co	$166	$28
Erie	$475	$80
Travelers	$475	$80
State Farm	$544	$92
USAA	$1050	$175
Allstate	$1408	$239
Progressive	$1494	$250
Nationwide	$1674	$285

Car Insurance Price Trends in West Reading, Pennsylvania

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

The average cost of full coverage in the West Reading rose by $176 in December compared to $174 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 West Reading rose to $40 in December, compared to $38 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Reading?

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

What is the cheapest car insurance in West Reading?

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

How much is car insurance in West Reading for teenagers?

Car insurance for teenagers costs $155 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 West Reading?

The average cost of car insurance is $779 for a six-month policy. It will cost around $136 per month to insure your car in West Reading.

Is car insurance expensive in West Reading?

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

Cheapest Car Insurance Quotes in West Reading

Why you can trust Way?

How Much Is Car Insurance in West Reading

Avg. Car Insurance in West Reading

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in West Reading

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

West Reading Car Insurance Rates by Company

Cheap Car Insurance Companies in West Reading, PA

Way's key takeaways about car insurance in West Reading

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Reading

Cheapest Liability Coverage in West Reading, PA

Cheapest Full Coverage Car Insurance in West Reading

Cheapest Full Coverage Car Insurance Quotes in West Reading, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Reading by Rating Factor

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

Car Insurance Premiums by Age in West Reading

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Reading,PA

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

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

West Reading Car Insurance Rates by Violation

West Reading auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Reading after a DUI

West Reading car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Reading after Speeding ticket

Car Insurance Price Trends in West Reading, Pennsylvania

Average Car Insurance Cost in West Reading by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Reading, PA

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

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