Best Auto Insurance Rates in Reading, Pennsylvania
On average, your neighbors pay $73 a month.
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With an estimated population of 87,575, Reading is the fifth-largest city in Pennsylvania. Much of the city's history is tied to its involvement with the railroad system. In fact, the Reading Railroad was one of a just a handful featured in the game Monopoly.
Whether playing Monopoly or taking part in real life, nobody enjoys going bankrupt. Let QuoteWizard help you avoid that fate by getting you cheap car insurance that fits your needs as well as your budget.
Average Reading Car Insurance Rates
How much is car insurance in Reading, PA? You won't be surprised to learn that premiums here are expensive. Many local drivers pay much higher rates than the state and national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national average price is $889.01.
Prices vary depending on several factors. These include your driving record, claims history, your car make and model, and more.
| Coverage | Rates |
|---|---|
| Liability | $499.06 |
| Collision | $327.24 |
| Comprehensive | $144.21 |
| Total Cost Per Year | $878.18 |
| Price Per Month | $73.18 |
| Source: Facts + Statistics: Auto insurance | |
The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.
With QuoteWizard, you can compare quotes from multiple insurance companies and independent agents. Comparing quotes can help you find cheap car insurance rates near Reading, Pennsylvania and save up to 40% on your premium.
Last year, 2,314 people used QuoteWizard to compare car insurance quotes in Reading, PA from multiple companies and find the cheapest rates.
Best Car Insurance Companies in Reading, PA
These were the most common car insurance companies reported by QuoteWizard users living in Reading, Pennsylvania, last year. Out of these 2,314 people, 87 were uninsured.
Other popular Reading, Pennsylvania car insurance companies: USAA, Travelers, AIG, Safeco, Hartford, MetLife, Amica, Infinity, and American Family.
Top 10 Vehicles in Reading
These are the most common car makes and models owned by Reading, PA drivers who requested quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Ford F150
- Honda Civic EX/DX
- Toyota Corolla
- Ford Focus SE
- Ford Taurus SE
- Chevrolet Malibu LS
- Ford Explorer
- Dodge Durango SLT
- Hyundai Sonata GLS
Minimum Car Insurance Requirements in Reading, PA
Reading, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This means each insurance policy must include at least:
- Individual Bodily Injury Liability (BIL): $15,000.
The most your insurer will pay for a single person injured in a car accident. - Total Bodily Injury Liability: $30,000.
The most your insurance carrier will pay for every person injured in a car accident. - Property Damage Liability (PDL): $5,000.
The most your provider will pay for property damage caused by a car accident. - Medical Payments: $5,000.
This coverage pays for your medical expenses or any of your passengers who are hurt in an accident, regardless of who is at fault.
Driving Conditions
Driving conditions like weather and traffic congestion can influence your insurance rates.
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Weather
Reading residents have it good when it comes to weather. That’s especially true in summer, which tend to be warm and humid. They also get to enjoy around 203 days a year of either full or partial sunshine. That’s sure to make the 123 or so days of measurable precipitation a lot more bearable.
Road Conditions
According to TRIP, Reading’s roads are in bad condition. Around 78 percent are either poor or mediocre, while only 9 percent are in good condition. These poorly maintained pothole filled roads cost commuters on average $555.
If you are concerned with the potholes in your area, call 1-800-FIX-ROAD or you can go to SeeClickFix.
Traffic Congestion
According to Inrix 2015 Scorecard, each Reading commuter spends an extra 19 hours in traffic congestion each year. On top of that, they spend $465 on extra congestions costs. Traffic congestion can have a seriously negative impact on your insurance rates.
Moving Violations
Moving violations like drunk driving, running a red light, at-fault accidents, and speeding tickets will give you a bad driving record and higher insurance rates.
Traffic Tickets
The Pennsylvania ePay website allows drivers to pay fines or fees to any of the state’s county court.
Reading DUI
Getting a DUI can cause all kinds of problems, with one being that it can raise your car insurance rates. In addition, other financial and legal woes can stick around for months. At the end of the day, a DUI can cost you anywhere between $300 and $10,000.
SR-22 DUI Insurance
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Reading DUI insurance.
Car Accident Fatalities
Berks County reported 4,593 car accidents in 2014. That’s 3.8 percent of the state’s accidents that year. Of these accidents, 30 were fatal.
Vehicle Theft Rates
Reading reported 252 motor vehicle thefts in 2016. That's a rate of 2.87 per 1,000—a little over the national average of 2.20 per 1,000 people.
Save With Car Insurance Discounts
Are you looking for cheap car insurance? Discounts are one of the best ways for you to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Reading, PA depending on your carrier.
- Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
- Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
- Get a new car with advanced safety features like electronic stability control or anti-lock brakes
- Install anti-theft devices or a car alarm system
- Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
- Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
- Take a defensive driving course from an accredited driving safety school
- Shop around and compare affordable Reading auto insurance quotes to see all the discounts you've been missing out on
Sources:
- City of Reading Pennsylvania
- Berks County, PA Magisterial District Judge System
- United States Census Bureau - Lancaster, PA
- Reading Pennsylvania Crime Rates
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