Cheapest car insurance in Reading, Pennsylvania (Nov 2023)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Reading.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Reading

On average,
auto insurance
in Reading costs about $106 per month for minimum coverage liability insurance, and about $134 per month for full coverage insurance. Reading drivers pay 13% less than the
There is a common misconception that popular car insurance providers consistently offer better rates than others—but in reality, no one company provides the best rates for everyone. To unlock the best insurance rates, you should
shop around
and collect quotes from multiple sources and choose the most suitable option for your needs.
Every month,
Insurance Agency helps savvy car insurance shoppers in Reading streamline the insurance comparison process and purchase affordable coverage. Here are some of the cheapest quotes we found.

Best Car Insurance Companies in Reading

Jerry administered the nation’s largest insurance shopping survey to uncover the truths about finding affordable insurance—including who offers the cheapest car insurance rates in Reading
What we found: affordable car insurance rates aren’t housed by just one company. Each car insurance provider offers unique rates for their policyholders, so the cheapest provider for one driver may not be the cheapest provider for another. Factors like customer service and claims handling are also important to consider when choosing an insurer. 
While State Auto,
, National General, and
are all popular insurance companies in Reading, let’s take a look at how Reading drivers reviewed them on a scale of 0 to 5.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Reading

Pennsylvania car insurance laws
mandate minimum car insurance requirements for every Reading driver. These minimum requirements include
liability insurance
personal injury protection

Cheap minimum liability insurance quotes in Reading

To legally operate a vehicle on Reading roads, residents must meet the state’s
minimum car insurance coverage requirements
Pennsylvania drivers must hold $5,000 in personal injury protection (PIP), $5,000 in
property damage liability
per accident, $15,000 in
bodily injury liability
per person, and $30,000 in bodily injury liability per accident.
Here are some instances where Jerry helped Reading car owners find minimum liability coverage.

Do you need more than minimum coverage in Reading?

Reading drivers aren’t required to purchase more than minimum coverage—but you may need additional coverage to keep yourself fully protected on the roads.
If an at-fault accident occurs, you could face vehicle repair or replacement costs, as well as medical expenses that exceed the minimum limits of your state-required coverage. Serious injuries to another person or hefty vehicle damages can result in expenses of over $50,000 in some cases. 
The bottom line: Consider medical benefits,
full coverage
with collision and comprehensive coverage,
uninsured motorist coverage
, or at least 50/100/50 or 100/300/100 liability coverage for better financial protection.

Cheap full coverage car insurance quotes in Reading

In the event of an accident that requires extreme repairs or replacing your vehicle, full coverage is the best car insurance for covering your financial bases. 
As per Pennsylvania insurance law, full coverage offers
collision coverage
  • Collision coverage covers the expenses associated with repairing or replacing your car
  • Comprehensive coverage provides coverage if your car is stolen or damaged by non-collision incidents like theft or natural disasters
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
Jerry's agents have assisted customers in finding the most affordable full-coverage policies available to them.
To effectively and efficiently compare
car insurance quotes
online, it’s best to use a car insurance comparison app or website.
Jerry, a
top insurance agency
, has a handy, free app that compares car insurance quotes and offers personalized service to customers through a team of over 100 licensed insurance agents.

Average cost of car insurance in Reading

From helping thousands of Reading insurance policyholders find the right coverage for their needs, we’ve observed that minimum liability coverage costs an average of $106 per month or $1,278 per year. On the other hand, full coverage in Reading can amount to $134 per month or $1,604 per year.
Average insurance rates are a great tool to help you get an idea of what your insurance costs could look like, but they won’t necessarily depict the reality of your premiums. Remember that each driver gets a unique rate determined by factors including the type of car, demographics, and driving and claims records.

Average cost of car insurance in Reading by zip code

Insurance companies use specific algorithms to calculate car insurance rates for each driver. Even within the same city, premiums can vary in different ZIP codes and neighborhoods. Higher incidents of theft, accidents, and vandalism in your specific location can lead insurers to flag your ZIP code as a “high-risk” area and increase your rates. 
Jerry has helped drivers in different Readingneighborhoods find cheap car insurance.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate

Car insurance quotes in Reading by rating factors 

Each insurer in Reading
determines your car insurance rate
based on several factors, including: 
  • Your driving record and claims history:
    Car accidents
    and tickets tend to result in higher rates. 
  • Where you keep your car: Your location and garaging/parking address will impact your premiums. Drivers who live in areas with higher incidences of claims typically pay more for insurance.
  • The kind of car you have: Luxury vehicles, sports cars, and high-performance vehicles will incur higher costs for collision and comprehensive coverage.
  • How you use your car: Drivers who use their car for leisure typically pay less than drivers who take their car to and from work.
  • Your credit score: Insurance companies in Pennsylvania can use your credit score to assess your risk level. Those with lower credit scores tend to pay higher for insurance.

How Do Different Factors Impact Your Car Insurance Costs in Reading?

Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited): Gender.
Learn more abut the car insurance rating factors in Reading:

Cheap car insurance quotes in Reading after driving violations

Your driving history is one of the most influential factors when it comes to your insurance rate. Insurance companies are likely to charge you higher premiums if you have a history of violations that indicate a greater risk of insuring you and your vehicle. 
Common driving violations in Reading include: 

Cheapest car insurance in Reading after an at-fault accident

Insurance providers look at your history of at-fault accidents to assess your level of risk. A recent at-fault accident can increase your car insurance rates significantly.
While Pennsylvania is a
no-fault state
, you can still be deemed at fault in a collision and responsible for paying property damages for another driver’s vehicle—even if you aren’t typically responsible for bodily injury damages. 
Filing a property damage liability claim for an at-fault collision can increase your rates. But Jerry has been able to help Reading drivers save on car insurance with at-fault accidents in their driving record.

Cheapest car insurance in Reading after other driving violations

Apart from speeding tickets and DUIs, other violations—like
reckless driving
—can also result in high car insurance costs in Reading. But Jerry has helped affected drivers reduce their monthly insurance expenses.

Cheap car insurance quotes in Reading by age

Your age will impact your Reading car insurance rates. If you’re a teen driver under 25, you can expect to pay higher premiums. Likewise, once you turn 75 you can expect your insurance rates to increase again.

Cheap car insurance quotes in Reading based on insurance history

Your insurance history plays a significant role in your car insurance rates. This includes whether you currently have an active insurance policy or not. A
lapse in your insurance coverage
can mean a higher premium.
You can sign up for payment reminders with Jerry to make sure you never miss a car insurance payment. If your coverage has lapsed or you’re currently uninsured, however, Jerry can help you track down savings on a new policy.

How to lower car insurance costs in Reading

1. Shop around and compare quotes

Each car insurance company calculates your premiums in different ways. That’s why it’s always a good rule of thumb to compare quotes from at least three different insurers when shopping for affordable car insurance. To ensure that you maintain the best prices available to you, it’s also recommended that you shop for new rates every six months. 
Rather than spending hours researching quotes on your own, though, let Jerry do the heavy lifting for you. Designed to streamline the savings process, Jerry compiles the cheapest quotes for you from over 55 top insurers—all in just 45 seconds. The best part? Jerry provides this service entirely free of charge!

2. Hunt for car insurance discounts

One of the easiest ways to lower your car insurance is to apply for discounts through your insurer. Each company has a
set of discounts
that they offer; the most common of which include:
  • Good driver discounts: depending on your insurer, you can typically save as much as 20% on your premium by maintaining a clean driving record with no points or at-fault accidents in the last few years. 
  • Good student discounts: most insurers reward you with discounted rates if you’re a full-time student with a B average or higher. 
  • Customer loyalty discounts: you can typically cut costs on insurance by purchasing multiple policies through the same insurer. This can include
    bundling home and auto insurance
    or insuring multiple vehicles in your household with the same provider. 
  • Low mileage discounts: driving your car less puts you at lower risk of getting into an accident and filing a claim. In recognition of this, several insurers offer lower rates to drivers who accrue less than 10,000 miles each year.

3. Increase your deductible for comprehensive and collision coverage

Another way you can cut costs on your car insurance rates is to request a higher deductible for your comprehensive and collision coverage. While you may end up paying more out-of-pocket by doing so, it can make monthly expenses much more manageable. 

Why is car insurance in Reading so expensive? 

Reading car insurance rates can be pretty steep for a few reasons:
  • Insurance requirements: Because Pennsylvania is a no-fault state, Reading drivers must purchase car insurance with higher (and pricier) minimum insurance requirements than other areas.
  • Bad traffic: As population trends upward in Reading, more cars on the road leads to busier traffic and increased accident risk.
  • Uninsured drivers: The rate of uninsured drivers in Reading is relatively high compared to some other cities. The extra costs of an accident with an uninsured driver often translate into higher premiums.
  • Expensive healthcare: Healthcare costs can be high in Reading, with some residents opting out of health insurance. In anticipation of increased medical expenses after an accident, insurers raise their rates. 
  • Car thefts and crime: As a state, Pennsylvania saw a 25% increase in car thefts from 2019 to 2020
    . More vehicles filing comprehensive claims for repairs or market pay-outs create higher premiums.
  • Northern weather conditions: Reading gets its fair share of snowy roads, making it hard for drivers to avoid difficult winter driving conditions. Since this increases the risk of accidents and damage, insurance costs go up.


People living in Reading pay on average $106 per month – or $1,278 per year – on state-minimum liability coverage. Full coverage in Reading costs on average $134 per month of $1,604 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
The state-minimum car insurance in Reading, Pennsylvania is as follows:
  • Unknown node type: ContextField
  • Unknown node type: ContextField
  • Unknown node type: ContextField
These coverages are commonly referred to as 50/100/25 coverage.
Based on thousands of Reading drivers Jerry has worked with, car insurance in Reading costs an average of $106 per month for state-minimum coverage and $134 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Reading drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.