Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Reading, PA are $360/month
  • The cheapest car insurance company in Reading after a DUI is USAA
  • Average car insurance rates in Reading, PA for senior drivers are $2,179/year

Average car insurance rates in Reading, Pennsylvania are $360 a month. But with a little research you can get a great deal from the top car insurance companies in Reading, PA. Before you buy Reading, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Reading car insurance rates with Altoona car insurance rates, Scranton car insurance rates, or Philadelphia car insurance rates to make sure you’re getting the best Reading, PA car insurance quotes available.

Need affordable Reading, PA car insurance? Enter your ZIP code to compare Reading car insurance quotes from multiple car insurance companies near you.

Reading, PA Minimum Car Insurance Coverage

Reading, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Reading, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Reading, PA Car Insurance Rates by Coverage Level

Some Reading drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Reading, Pennsylvania car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Reading, Pennsylvania

Insurance Company Low Medium High
Allstate $3,788 $4,006 $4,141
GEICO $2,504 $2,784 $2,994
Liberty Mutual $6,028 $6,379 $6,594
Nationwide $2,981 $3,011 $2,916
Progressive $4,347 $4,818 $5,169
State Farm $3,040 $3,302 $3,424
Travelers $8,710 $8,664 $8,579
USAA $1,722 $1,870 $1,965

Reading, PA Car Insurance Rates by Age, Gender, and Marital Status

Reading, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Reading, PA car insurance, get quotes from multiple car insurance companies in the Reading area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Reading, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,455 $2,455 $2,278 $2,278 $8,493 $8,493 $2,687 $2,687
GEICO $2,177 $1,882 $2,063 $1,785 $5,418 $4,699 $2,178 $1,884
Liberty Mutual $4,149 $4,149 $3,801 $3,801 $12,116 $12,116 $5,267 $5,267
Nationwide $2,007 $2,007 $1,902 $1,902 $5,715 $5,715 $2,255 $2,255
Progressive $2,974 $2,974 $2,656 $2,656 $9,704 $9,704 $3,779 $3,779
State Farm $1,963 $1,963 $1,740 $1,740 $7,146 $7,146 $2,172 $2,172
Travelers $1,912 $1,912 $2,074 $2,074 $28,326 $28,326 $2,293 $2,293
USAA $1,174 $1,174 $1,060 $1,060 $3,616 $3,616 $1,559 $1,559

Reading, PA Car Insurance Rates for Teens

How much is Reading, Pennsylvania car insurance for teens? Compare rates from top Reading car insurance companies below to help find the cheapest teen car insurance in Reading, PA.

Annual Car Insurance Rates for Teen Drivers in Reading, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,493 $8,493
GEICO $5,418 $4,699
Liberty Mutual $12,116 $12,116
Nationwide $5,715 $5,715
Progressive $9,704 $9,704
State Farm $7,146 $7,146
Travelers $28,326 $28,326
USAA $3,616 $3,616

Reading, PA Car Insurance Rates for Seniors

Before seniors buy Reading, Pennsylvania car insurance, they should make sure to shop around. Some Reading, PA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Reading, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,278 $2,278
GEICO $2,063 $1,785
Liberty Mutual $3,801 $3,801
Nationwide $1,902 $1,902
Progressive $2,656 $2,656
State Farm $1,740 $1,740
Travelers $2,074 $2,074
USAA $1,060 $1,060

Reading, PA Car Insurance Rates by Credit History

How does your credit history affect Reading, PA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Reading, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,074 $3,799 $3,062
GEICO $4,149 $2,333 $1,801
Liberty Mutual $8,088 $5,796 $5,117
Nationwide $3,479 $2,868 $2,561
Progressive $6,324 $4,443 $3,566
State Farm $4,635 $2,868 $2,263
Travelers $9,403 $8,506 $8,044
USAA $2,303 $1,723 $1,530

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Reading, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Reading, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Reading.

Annual Reading, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,804 $4,501 $3,804 $3,804
GEICO $2,023 $3,506 $2,713 $2,801
Liberty Mutual $5,766 $6,632 $6,469 $6,469
Nationwide $2,143 $2,871 $3,999 $2,866
Progressive $4,323 $6,011 $4,448 $4,330
State Farm $2,966 $3,545 $3,255 $3,255
Travelers $6,109 $8,733 $11,029 $8,733
USAA $1,487 $2,061 $2,198 $1,662

Reading, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Reading, PA car insurance rates. Compare rates below to see which Reading car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Reading, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,804
GEICO $2,713
Liberty Mutual $6,469
Nationwide $3,999
Progressive $4,448
State Farm $3,255
Travelers $11,029
USAA $2,198

Reading, PA Car Insurance Rates by ZIP Code

Just like Reading car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Reading, PA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Reading, Pennsylvania

ZIP Code Average Annual Rates
19602 $5,720
19604 $5,661
19605 $5,006
19606 $5,260
19607 $5,029
19608 $4,870
19611 $5,377

Reading, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Reading, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Reading companies based on commute time.

Annual Car Insurance Rates by Commute Length in Reading, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,897 $4,060
GEICO $2,718 $2,803
Liberty Mutual $6,171 $6,496
Nationwide $2,970 $2,970
Progressive $4,778 $4,778
State Farm $3,159 $3,351
Travelers $8,651 $8,651
USAA $1,799 $1,905

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Reading, PA Cheapest Car Insurance Rates

How do the top Reading, Pennsylvania car insurance companies’ average rates stack up against the Reading average monthly car insurance rates of $360? Take a look and see.

Best Annual Car Insurance Rates by Company in Reading, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Reading, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Reading, Pennsylvania car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Reading, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,978
GEICO $2,761
Liberty Mutual $6,334
Nationwide $2,970
Progressive $4,778
State Farm $3,255
Travelers $8,651
USAA $1,852

Other Factors Affecting Reading, PA Car Insurance Rates

Before you buy Reading, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Reading, PA Commute Time

How does your Reading, PA commute time compare with the average driver? In Reading, the average commute is 24.9 minutes.

Reading, PA Traffic

Spending time in Reading traffic can lead to higher car insurance rates. According to INRIX data, Reading, PA ranks as the 171st-most congested with traffic in the world.

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Reading, PA Car Insurance Quotes

Compare Reading, PA car insurance quotes from multiple companies by entering your ZIP code now.