Cheapest Auto Insurance in Reading, Pennsylvania (2025)
National General has the cheapest liability insurance in Reading, with rates as low as $72 per month.
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The average cost of liability car insurance in Reading is $99 per month, or $1,191 per year. Liability car insurance premiums are higher in Reading compared to the statewide average of $93 per month but comparable to the national average is $103 per month.
Because Reading is one of the more densely populated cities in Pennsylvania, car insurance premiums are more expensive. Additionally, Reading has a relatively high vehicle theft rate compared to other Pennsylvania cities, which can contribute to higher car insurance premiums.1
Here’s what you should know about finding cheap car insurance in Reading, including comparing quotes and coverage options.
Quick Facts
National General, State Farm, and Progressive have the cheapest liability coverage in Reading.
Reading drivers pay an average of $183 per month for full-coverage insurance, which is higher than the state average of $156 and the national average of $182.
Pennsylvania is a “choice” no-fault state. Drivers can choose from limited- or full-tort coverage. If you choose limited tort, you’ll need to file a claim with your own insurer after an accident for medical expenses and other losses.2
6 of the cheapest car insurance companies in Reading
Many insurers sell insurance coverage to drivers in Reading. But the right car insurance company will depend on your unique needs, budget, and personal situation. To pick the best car insurance in Reading for your personal needs, it’s a good idea to compare multiple companies and get personalized rate quotes.
Start your search with a few of the cheapest companies in Reading. The quotes below reflect statewide average rates in Pennsylvania.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best for cheap rates: Foremost
Best for infrequent drivers: Mile Auto
Best for customer satisfaction: State Farm
How to get the cheapest car insurance in Reading
Car insurance companies consider a variety of factors to calculate car insurance rates, including your gender, age, ZIP code, and credit score. If you want cheap car insurance in Reading, here are some ways to save money:
Look for discounts. Many car insurance companies offer discounts that can help you get the best deal on auto insurance.
Choose higher deductibles. For policies that require a deductible — such as collision and comprehensive insurance — selecting a higher deductible will lower your monthly premium.
Bundle your policies. You can typically get a better rate when you bundle multiple insurance policies together, like car insurance with home insurance, renters insurance, or life insurance.
Maintain a clean driving record. People with a clean driving record, with no recent accidents or traffic violations, often qualify for a low rate.
Shop around. To get the cheapest car insurance in Reading, shop around and compare quotes from a few different insurance companies. Many insurance businesses offer online quotes, or you can call an agent.
Cheapest liability-only car insurance in Reading: National General
Pennsylvania requires drivers to purchase liability-only car insurance. It covers your financial obligations when you cause a car accident that results in someone else’s injuries or property damage. Liability-only insurance doesn’t cover your medical expenses or your vehicle repairs after an at-fault accident.
In Reading, the average cost of liability-only car insurance is $99 per month. Minimum coverage is the cheapest type of insurance you can have, but some insurers have lower rates than others.
Below, you can compare the cheapest car insurance companies in Reading for liability-only insurance.
Cheapest full-coverage car insurance in Reading: State Farm
Full-coverage car insurance includes liability, collision, comprehensive, and medical payments insurance. It provides more protection than minimum coverage — specifically, it covers your vehicle repairs and injuries after an at-fault crash.
Full-coverage auto policies are optional, but many lenders require them if you lease or finance your vehicle. For most drivers, it’s a good idea to pay extra for full coverage, as it provides more financial protection for your losses.
The average cost of full-coverage car insurance in Reading is $183 per month. In the table below, you can see which car insurance companies in Reading have the cheapest rates for full coverage.
Car insurance requirements in Pennsylvania
Vehicle owners in Pennsylvania must carry a minimum amount of personal liability insurance. Because Pennsylvania is a no-fault state, drivers must also have a minimum of $5,000 in personal injury protection (PIP). PIP automatically covers medical expenses for you and your passengers after an accident, regardless of fault.3
Here are the specific requirements Pennsylvania drivers must meet.
In addition to the required coverages, many Reading car insurance companies also offer endorsements which can provide more protection. Some of the most common add-on coverages include:
Cheapest car insurance for drivers with an incident
Reading drivers with an incident on their record, such as speeding tickets and at-fault accidents, usually pay higher car insurance rates than drivers with a clean record. More serious violations, like driving under the influence (DUI), have the biggest effect on premiums.
Insurers view drivers with incidents on their record as high-risk. For example, after a speeding ticket or accident, there is a greater chance of a second incident. To offset the increased risk of a claim, insurers charge higher rates for these drivers. On average, Reading drivers with a past incident pay $99 per month for liability coverage and $183 for full-coverage insurance.
Below, you can see the average cost of liability-only car insurance from several insurance companies in Reading for drivers with a clean record, a speeding ticket, an at-fault accident, and a DUI.
Average cost of car insurance by age
Age is one of the biggest factors that can affect car insurance premiums in Reading. Teen drivers pay the most expensive rates for car insurance. New drivers lack experience on the road and have a higher accident rate than any other age group.4
For most drivers, rates decrease around age 35 but increase around age 70. This is because older drivers are more likely to face injury in a crash and may have impairments, like vision changes, that can affect their ability to drive safely.5
In the table below, you can see the average cost of car insurance for Reading drivers in different age groups.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Reading car insurance quotes by credit tier
In Pennsylvania, car insurance companies can use credit-based insurance scores to calculate premiums. In general, drivers with excellent credit scores pay the lowest rates, whereas drivers with poor credit pay the highest rates. Statistically, drivers with bad credit file more insurance claims, which makes them riskier to insure.6
In the table below, you can see the monthly average car insurance rates for Reading drivers in different credit tiers.
Reading car insurance FAQs
Before you start shopping for car insurance quotes, you should determine how much auto coverage you need. The following information should help answer your remaining questions about finding cheap car insurance in Reading.
How much is car insurance in Reading?
The average cost of car insurance in Reading is $99 per month for liability coverage and $99 for full-coverage insurance. How much you pay for coverage will ultimately depend on factors such as your driving record, credit history, age, and more.
Which company has the cheapest car insurance in Reading?
With a liability insurance rate of $72 per month, National General is the cheapest car insurance company in Reading.
State Farm and Progressive also have cheap coverage options, with respective liability rates of $77 and $87 per month. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Reading?
State Farm is the best car insurance company in Reading, thanks to an AM Best financial strength rating of A++ (Superior), low average rates, and high customer satisfaction. The average cost of coverage from State Farm in Pennsylvania is $69 per month for liability coverage and $134 for full coverage.
Other top insurance companies in Reading include GEICO, Progressive, Mile Auto, and Foremost.
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