Car Insurance in Reading City
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Car Insurance in Reading, PA
Without the right auto insurance policy, popping over to the Pogoda for wide-open views of Reading could cost you more than gas money. And if you're uninsured, riding over to the Reading Railroad could be a crime, resulting in fines, citations, and potentially the loss of your driver's license.
Drivers in Reading City must maintain the minimum amount of motorist insurance required by the Commonwealth of Pennsylvania. Reading doesn't require drivers to go above and beyond the state minimums. Likewise, Pennsylvania's fifth-largest city doesn't have any strange traffic laws or customs beyond what's prescribed by Pennsylvania state law.
Car insurance rates can vary from city to city or even zip code to zip code. This page will help you find the right car insurance policy for you by letting you compare car insurance rates in Reading, Shillington, Lauderdale, and beyond. Comparing car insurance rates is the best way to get the cheapest price for insurance in Reading, PA.
How much is car insurance in Reading, PA?
Auto insurance rates in Reading City can differ widely based on the coverage options you choose. To assist you, here are the average costs for the three most popular types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Reading?
Determining insurance costs for each car make, model, and year in the city can be quite overwhelming. However, if you're looking at newer vehicles that typically have lower premiums, here’s a list of the top 10 most affordable car makes and models in Reading to consider:Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $156 |
2 | Dodge Grand Caravan | $157 |
3 | Honda Cr-V | $160 |
4 | Toyota Corolla | $161 |
5 | Toyota Rav4 | $163 |
6 | Kia Sedona | $167 |
7 | Ford F-150 | $167 |
8 | Honda Odyssey | $167 |
9 | Toyota Tacoma | $168 |
10 | Ford Fusion | $169 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 |
How do claims and violations impact my total cost?
Insurance premiums can increase drastically due to various kinds of incidents. Consider the insurance rates provided below of Reading and how they might increase due to some of the most common violations or claims:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $163 | +0% |
Not at-fault Accident | $175 | +7% |
Driving with expired registration | $190 | +17% |
Speeding Ticket | $191 | +17% |
At-fault Accident | $237 | +45% |
DUI | $249 | +53% |
Hit and Run | $250 | +53% |
Driving with a suspended license | $252 | +55% |
What car insurance discounts can I get in Reading?
There are several discounts that can help bring down your insurance costs in Reading. Here’s a ranked list of these discount options, starting with the ones that offer the biggest savings on your premiums:
Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $143 | +$20 |
Paid in Full | $151 | +$12 |
Low Mileage | $152 | +$11 |
Multi-Policy Renters | $157 | +$6 |
Paperless | $161 | +$2 |
Electronic Funds Transfer | $162 | +$1 |
Renewal discount | $163 | +$0 |
None | $163 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.