Cheapest Car Insurance In Reading, PA 2025

State Farm offers the most affordable minimum coverage car insurance in Reading, with an average cost of $53 per month.

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Updated: 12 February 2025
Written by Bob Phillips
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When searching for affordable car insurance in Reading, PA, prices can differ significantly.

For those in need of the lowest liability-only coverage, State Farm is the top choice. Drivers seeking full coverage will find that Mile Auto provides the best rates. On the other hand, young drivers can benefit from the most affordable rates offered by Jupiter Auto Insurance.

Cheapest Car Insurance In Reading, PA

Cheapest Car Insurance, Reading, PA

Cheapest Liability-only Car Insurance In Reading: State Farm

State Farm offers the lowest rates for minimum coverage car insurance in Reading, with an average monthly premium of $53.

Refer to the table below to compare rates from various insurance companies.

Provider Average Monthly Cost Average Annual Cost
Erie $60 $720
State Farm $53 $636
Travelers $80 $960
Mile Auto $58 $696
Plymouth Rock $72 $864

Cheapest Full Coverage Insurance Rates In Reading: Mile Auto

Mile Auto provides the most affordable full coverage car insurance in Reading, with an average monthly rate of $78.

Check out the table below to see average quotes from budget-friendly insurance providers in Reading.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $145 $1,740
Erie $130 $1,560
State Farm $115 $1,380
Mile Auto $78 $936
Plymouth Rock $139 $1,668

Cheapest Car Insurance Rates For Seniors: Kemper Personal Insurance

Kemper Personal Insurance offers the most affordable car insurance for seniors in Reading, with an average monthly rate of $58.

The table below highlights average quotes from the top budget-friendly insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
Allied $71 $852
Kemper Personal Insurance $58 $696
Plymouth Rock $75 $900
Travelers $83 $996
Penn National $67 $804

Cheapest Rates In Reading For Teenagers: Travelers

Travelers provides the most affordable car insurance for teenage drivers in Reading, with average monthly premiums of $170.

The table below lists the companies offering the lowest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
Nationwide $362 $4,344
Erie $324 $3,888
Allstate $445 $5,340
Travelers $170 $2,040
GEICO $345 $4,140

Cheapest Auto Insurance For Young Adults in Reading: Jupiter Auto Insurance

Jupiter Auto Insurance provides the lowest rates for young adults in Reading, with an average monthly cost of $71.

Refer to the table below to compare the most affordable auto insurance options for young adults in Reading.

Provider Average Monthly Cost Average Annual Cost
Penn National $102 $1,224
Jupiter Auto Insurance $71 $852
Verti Insurance $124 $1,488
SafeAuto $110 $1,320
Clearcover $85 $1,020

Cheapest Car Insurance In Reading For Good Drivers: State Farm

State Farm offers the lowest car insurance rates for good drivers in Reading, with an average monthly premium of $53.

Use the table below to compare average quotes from the most budget-friendly insurance providers for good drivers.

Provider Average Monthly Cost Average Annual Cost
Travelers $80 $960
Erie $60 $720
Mile Auto $58 $696
Plymouth Rock $72 $864
State Farm $53 $636

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Cheapest Car Insurance In Reading After A Speeding Ticket: State Farm

State Farm stands out as an affordable option in Reading, offering average rates of $68 per month for drivers with a speeding ticket on their record.

Check the table below to compare average rates for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Erie $81 $972
Mile Auto $75 $900
Plymouth Rock $89 $1,068
State Farm $68 $816
Auto-Owners $86 $1,032

Cheapest For Drivers With After At-Fault Accident: State Farm

State Farm provides the most affordable car insurance for drivers with an at-fault accident, averaging $73 per month.

Below is a list of car insurance companies offering the lowest rates for drivers with an at-fault incident on their record.

Provider Average Monthly Cost Average Annual Cost
Erie $85 $1,020
National General $95 $1,140
State Farm $73 $876
Auto-Owners $93 $1,116
Mile Auto $79 $948

Cheapest Rates In Reading For Drivers After A DUI: State Farm

State Farm offers the lowest rates for drivers with a DUI in Reading, with average monthly premiums of $85.

Check the table below for the most affordable rates for drivers with a DUI in Reading.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $107 $1,284
Mile Auto $95 $1,140
Plymouth Rock $110 $1,320
Erie $101 $1,212
State Farm $85 $1,020

Best Car Insurance Companies In Reading

Mile Auto offers the most affordable car insurance in Reading, with an average monthly rate of $78. You may also want to consider Travelers at $80 per month or Penn National at $92 per month.

Below are the top 10 car insurance companies in Reading, PA, ranked by their average monthly premiums.

Company Monthly Premium
Mile Auto $78
Travelers $80
Penn National $92
SafeAuto $95
Erie $103
Nationwide $106
State Farm $115
Auto-Owners $117
Verti Insurance $135
Jupiter Auto Insurance $138

Average Auto Insurance Rates In Reading- By Age

Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to their inexperience and higher risk of accidents and violations. Teenagers, for example, can expect to pay around $3,672 annually for car insurance.

As drivers reach 25, their rates often start to decrease, provided they keep a clean driving record.

The best rates are usually offered to drivers in their 50s and early 60s, as insurers consider age a key factor in assessing driving experience and risk, which directly impacts the cost of premiums.

Age Average Yearly Rate
Teenagers $3,672
20s $1,944
30s $1,536
40s $1,272
50s $972
60s $1,092
70s $1,296

Average Rates In Reading- By Vehicle

The make, model, year, and body type of your vehicle are key factors that influence your car insurance costs. Insurance companies often charge higher rates for newer vehicles, especially luxury models with advanced technology and higher replacement costs.

Refer to the table below to compare average insurance rates in Reading for different types of vehicles.

Vehicle Average Monthly Rate
Toyota Camry $200
Honda Civic $217
Mercedes-Benz CLA $1,524
Chevrolet Cruze $304
Toyota Corolla $90

How Much Is Car Insurance In Other Cities in Pennsylvania?

Your location plays a major role in determining your car insurance rates. Insurance companies consider factors like accident frequency, vehicle theft, and vandalism rates, which are typically higher in urban areas. As a result, residents of cities often face higher premiums.

For instance, drivers in Pittsburgh can expect to pay about $139 per month for car insurance, while those in Wilkes Barre have an average rate of $120 per month.

City Average Monthly Rate
Pittsburgh $139
Wilkes Barre $120
Johnstown $95
Lancaster $121
Erie $134
York $133
Allentown $145
Scranton $127
Philadelphia $230
Bethlehem $135

Average Cost Of Auto Insurance In Reading- By Zip Code

Zip codes are used by insurers to assess crime rates in specific areas, which can impact car insurance rates. As a result, insurance premiums can vary based on the zip code.

Use the table below to compare average insurance rates for different zip codes in Reading.

Zip Code Average Monthly Rate
19610 $115
19555 $92
19609 $148
19611 $143
19607 $174
19605 $122
19604 $127
19601 $136
19602 $129
19606 $135

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Reading, PA.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Reading?

State Farm offers the lowest rates for minimum coverage required by Pennsylvania, while Mile Auto provides the most affordable full coverage, including comprehensive and collision coverage, in Reading.

What is the average cost of car insurance in Reading?

The average car insurance cost in Reading is around $95 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, and your driving record.

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