Cost of Car Insurance in Reading, PA – 2025 Rates + Cheapest to Insure

How much does auto insurance cost in Reading, Pennsylvania? We compared nearly 200 models in six automotive segments to find the cheapest rates.

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  • Reading car insurance rates average $2,376 per year for full coverage, or approximately $198 per month.
  • Reading auto insurance costs $30 per year less than the Pennsylvania state average ($2,406) and $155 per year more than the U.S. national average rate ($2,221).
  • Car insurance rates for a few popular models in Reading include the Mazda CX-5 at $162 per month, GMC Sierra at $219, and Toyota Highlander at $180.
  • For cheap car insurance in Reading, compact SUVs like the Volkswagen Tiguan, Honda CR-V, Toyota Corolla Cross, and Chevrolet Trailblazer cost less than most other vehicles.
  • A few models with the cheapest auto insurance in their automotive segment include the Mercedes-Benz CLA250 at $2,444 per year, Acura RDX at $1,986 per year, Chevrolet Colorado at $2,092 per year, and Subaru Crosstrek at $1,756 per year.

What is average car insurance cost in Reading?

The average car insurance cost in Reading is $2,376 per year, which is 6.7% more than the overall U.S. national average rate of $2,221. The average cost of car insurance per month in Reading is $198 for a full coverage policy.

In the state of Pennsylvania, the average car insurance cost is $2,406 per year, so the cost in Reading averages $30 less per year. The average cost to insure a car in Reading compared to other Pennsylvania cities is $46 per year more than in Pittsburgh, $1,082 per year less than in Philadelphia, and $30 per year cheaper than in Allentown.

The next chart shows additional data for the 20 to 60-year-old age groups by including rates for three different physical damage deductibles. Seeing these rates can help you visualize how auto insurance rates increase with lower deductibles, and decreases when deductible are raised.

Average full-coverage car insurance premium in Reading, PA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Reading, PA for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Reading, PA Zip Codes.

Average Car Insurance Cost in Reading, PA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,046$337
$500$4,780$398
$250$5,560$463
30$1,000$2,124$177
$500$2,536$211
$250$2,962$247
40$1,000$1,998$167
$500$2,376$198
$250$2,770$231
50$1,000$1,778$148
$500$2,104$175
$250$2,444$204
60$1,000$1,666$139
$500$1,970$164
$250$2,288$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Reading, PA Zip Codes. Updated June 27, 2025

Average car insurance rates in the chart range from $1,666 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,560 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When that data is converted to a monthly rate, the average cost of car insurance per month in Reading ranges from $139 to $463.

Car insurance rates are different for every driver and are impacted by many factors. The potential for large variability emphasizes the need to get accurate auto insurance quotes when trying to find the cheapest Reading car insurance.

Driver age is one of the biggest factors in determining the price you pay for auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Reading for drivers from age 16 to 60.

Average car insurance cost for Reading, Pennsylvania, drivers age 16 to 60

  • 16-year-old rated driver – $8,462 per year or $705 per month
  • 17-year-old rated driver – $8,198 per year or $683 per month
  • 18-year-old rated driver – $7,346 per year or $612 per month
  • 19-year-old rated driver – $6,689 per year or $557 per month
  • 20-year-old rated driver – $4,780 per year or $398 per month
  • 30-year-old rated driver – $2,536 per year or $211 per month
  • 40-year-old rated driver – $2,376 per year or $198 per month
  • 50-year-old rated driver – $2,104 per year or $175 per month
  • 60-year-old rated driver – $1,970 per year or $164 per month

The rates shown above for drivers age 16 to 19 were based on the rated driver being male. The next chart breaks out average teen driver car insurance rates by gender. Teenage females are expensive to insure, but do tend to have cheaper auto insurance rates than males of the same age.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Reading includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Reading, PA for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,462$7,904
17-Year-Old$8,198$7,856
18-Year-Old$7,346$6,780
19-Year-Old$6,689$5,656

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Car insurance for a female 16-year-old driver in Reading costs an average of $558 less than a male driver per year, while at age 19, females don’t save quite as much at $1,033 per year.

The car insurance rates discussed up to this point take all 2024 models and come up with an average cost, which is suitable for making generalized comparisons like the cost difference between driver ages or locations.

But for more useful auto insurance cost comparisons, we need to instead use rates for the specific model of vehicle being insured. Later in this article, we go into much more detail for all different kinds of vehicles, but for now, a handful of the most popular vehicles will be shown to discover how car insurance rates measure up in Reading.

The chart below breaks down average insurance rates in Reading for the more popular vehicles.

Average cost to insure popular 2024 model year vehicles in Reading.
Figure 3: Average cost to insure popular 2024 model year vehicles in Reading. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Reading Zip Codes.

Reading, PA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,756$146
Honda CR-V$2,024$169
Honda HR-V$2,066$172
Subaru Forester$2,114$176
Nissan Rogue$2,134$178
Ford Explorer$2,154$180
Nissan Sentra$2,178$182
Chevrolet Equinox$2,186$182
Toyota RAV4$2,190$183
Hyundai Tucson$2,206$184
Chevrolet Traverse$2,216$185
Honda Pilot$2,312$193
Toyota Tacoma$2,406$201
Toyota Camry$2,552$213
GMC Sierra$2,624$219
Chevrolet Silverado$2,626$219
Ford F150$2,660$222
Jeep Wrangler$2,712$226
Ram Truck$2,748$229

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Reading, PA Zip Codes. Updated June 27, 2025

The models that are popular in Reading tend to be compact and midsize cars like the Toyota Corolla, Volkswagen Jetta, and Nissan Altima and compact or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

A few additional popular vehicles in Reading from different automotive segments include luxury models like the Infiniti Q50, Cadillac XT5, and Lexus RX 350 and sports cars like the Audi TT, Nissan GT-R, and Ford Mustang.

We will cover additional rates coming up in the article, but first, let’s quickly review the concepts and comparisons that we covered in the first section.

  • Average cost per month ranges from $164 to $705 – That’s the average car insurance price range for drivers age 16 to 60 in Reading.
  • Reading car insurance rates are cheaper than the Pennsylvania state average – $2,376 (Reading average) compared to $2,406 (Pennsylvania average)
  • Car insurance gets more affordable the older you are – Rates for a 50-year-old driver in Reading are $2,676 per year cheaper than for a 20-year-old driver.
  • Car insurance for teen drivers is expensive – Cost ranges from $5,656 to $8,462 per year for teen driver car insurance in Reading, Pennsylvania.
  • Reading, PA, average car insurance cost is more than the U.S. average – $2,376 (Reading average) versus $2,221 (U.S. average)
  • Insurance rates decrease considerably in your twenties – The average 30-year-old Reading driver will pay $2,244 less each year than a 20-year-old driver, $2,536 versus $4,780.

Which autos have cheap insurance in Reading, PA?

When comparing rates for all cars, SUVs, and pickups, the models with the cheapest car insurance prices in Reading tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Toyota Corolla Cross. Average insurance quotes for those models cost $1,930 or less per year to have full coverage.

Additional vehicles that come in near the top in our overall cost comparison are the Kia Niro, Volkswagen Taos, Honda CR-V, and Nissan Murano. Average cost is slightly higher for those models than the cheapest crossover SUVs that rank near the top, but they still have an average cost of $2,066 or less per year.

The following table lists the cheapest vehicles to insure in Reading, ordered by annual cost.

Cheapest Auto Insurance Rates in Reading, PA
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,756$146
2Chevrolet Trailblazer$1,784$149
3Kia Soul$1,854$155
4Nissan Kicks$1,870$156
5Honda Passport$1,892$158
6Buick Envision$1,904$159
7Toyota Corolla Cross$1,916$160
8Hyundai Venue$1,930$161
9Mazda CX-5$1,938$162
10Ford Bronco Sport$1,946$162
11Volkswagen Tiguan$1,966$164
12Acura RDX$1,986$166
13Nissan Murano$1,994$166
14Buick Encore$2,016$168
15Honda CR-V$2,024$169
16Subaru Outback$2,024$169
17Buick Envista$2,030$169
18Volkswagen Taos$2,034$170
19Kia Niro$2,044$170
20Toyota GR Corolla$2,064$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Reading, PA with the Subaru Crosstrek ranking first at $1,756 per year
Top 20 cheapest vehicles to insure in Reading, PA with the Subaru Crosstrek ranking first at $1,756 per year

A list of 20 of the cheapest vehicles to insure in Reading serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more thorough way to analyze auto insurance rates for more vehicle models is by breaking them out by their automotive segment.

The next section goes into average car insurance cost by vehicle segment. The rates shown in the chart should give you a decent understanding of the types of vehicles that have the overall best rates. After the chart, the next sections rank the 20 cheapest models for the most popular automotive segments.

Average insurance rates by vehicle segment

If you’re considering buying a different vehicle, it’s in your best interest to know which kinds of vehicles have better insurance rates.

As an example, maybe you’re wondering if compact SUVs are cheaper to insure than minivans or if regular SUVs cost less to insure than luxury SUVs.

The next chart displays the average car insurance cost in Reading for each automotive segment. In general, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the most affordable average auto insurance rates, with high-performance exotic models having the most expensive overall rates.

Car insurance average cost by automotive segment in Reading, PA.
Figure 4: Car insurance average cost by automotive segment in Reading, PA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Reading Zip Codes.

Car Insurance Rates by Automotive Segment in Reading, PA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,182$182
Midsize SUV$2,344$195
Compact Car$2,348$196
Minivan$2,350$196
Midsize Pickup$2,398$200
Midsize Car$2,422$202
Compact Luxury SUV$2,574$215
Compact Luxury Car$2,614$218
Large SUV$2,624$219
Half-ton Pickup$2,634$220
Heavy Duty Pickup$2,732$228
Midsize Luxury SUV$2,820$235
Midsize Luxury Car$2,914$243
Sports Car$3,268$272
Large Car$3,416$285
Large Luxury SUV$3,678$307
Large Luxury Car$3,800$317

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Reading, PA Zip Codes. Updated June 27, 2025

Segment rates are suitable for blanket comparisons, but insurance cost varies greatly within each automotive segment listed in the above chart.

For example, in the small luxury car segment, rates range from the Acura Integra costing $2,112 per year for full coverage insurance up to the BMW M340i costing $2,902 per year.

In the midsize truck segment, the average cost of insurance ranges from the Chevrolet Colorado at $2,092 per year to the Rivian R1T at $2,962 per year, a difference of $870 within that segment.

In the next parts of this article, we remove some of this variability by looking at car insurance cost in Reading at the model level rather than the segment level.

Cheapest car insurance rates in Reading, Pennsylvania

The three top-ranked non-luxury cars with the cheapest insurance in Reading are the Toyota GR Corolla at $2,064 per year, the Nissan Leaf at $2,080 per year, and the Honda Civic at $2,104 per year.

Not the cheapest to insure, but still ranked well, are models like the Kia K5, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $2,312 per year or less.

In the lower half of the top 20 cars to insure, cars like the Mitsubishi Mirage G4, Nissan Versa, Hyundai Ioniq 6, Kia Forte, Volkswagen Arteon, and Mazda 3 average between $2,312 and $2,456 to insure per year.

Auto insurance in Reading for this segment will start around $172 per month, depending on where you live and the company you use.

If rates are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Reading is the Toyota GR Corolla at $2,064 per year, or $172 per month. For midsize models, the Kia K5 is cheapest to insure at $2,288 per year, or $191 per month. And for full-size cars, the Chrysler 300 is the cheapest model to insure at $2,262 per year, or $189 per month.

The comparison table below ranks the twenty cars with the lowest-cost insurance in Reading.

Cheapest Insurance for Cars in Reading, Pennsylvania
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,064$172
Nissan LeafCompact$2,080$173
Honda CivicCompact$2,104$175
Nissan SentraCompact$2,178$182
Subaru ImprezaCompact$2,182$182
Toyota PriusCompact$2,218$185
Kia K5Midsize$2,288$191
Honda AccordMidsize$2,292$191
Chevrolet MalibuMidsize$2,304$192
Toyota CorollaCompact$2,312$193
Kia ForteCompact$2,318$193
Volkswagen ArteonMidsize$2,336$195
Nissan VersaCompact$2,342$195
Subaru LegacyMidsize$2,344$195
Hyundai Ioniq 6Midsize$2,362$197
Mitsubishi Mirage G4Compact$2,398$200
Volkswagen JettaCompact$2,402$200
Toyota CrownMidsize$2,404$200
Hyundai SonataMidsize$2,410$201
Mazda 3Compact$2,456$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Reading, PA, with the Toyota GR Corolla ranking first at $2,064 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Reading, PA, with the Toyota GR Corolla ranking first at $2,064 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Pennsylvania.

Cheapest SUV insurance rates in Reading, PA

The four lowest-cost non-luxury SUVs to insure in Reading are the Subaru Crosstrek at $1,756 per year, Chevrolet Trailblazer at $1,784 per year, Kia Soul at $1,854 per year, and Nissan Kicks at $1,870 per year.

Also ranking well are SUVs like the Mazda CX-5, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average annual insurance rates of $1,946 per year or less.

As a cost per month, auto insurance in Reading on this segment for a good driver starts at around $146 per month, depending on the company and your location.

If insurance rates are ranked by vehicle size, the most affordable non-luxury compact SUV to insure in Reading is the Subaru Crosstrek at $1,756 per year. For midsize models, the Honda Passport is cheapest to insure at $1,892 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,228 per year.

The table below ranks the SUVs with the cheapest average car insurance rates in Reading, starting with the Subaru Crosstrek at $146 per month and ending with the Subaru Ascent at $172 per month.

Cheapest Insurance for SUVs in Reading, Pennsylvania
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,756$146
Chevrolet TrailblazerCompact$1,784$149
Kia SoulCompact$1,854$155
Nissan KicksCompact$1,870$156
Honda PassportMidsize$1,892$158
Buick EnvisionCompact$1,904$159
Toyota Corolla CrossCompact$1,916$160
Hyundai VenueCompact$1,930$161
Mazda CX-5Compact$1,938$162
Ford Bronco SportCompact$1,946$162
Volkswagen TiguanCompact$1,966$164
Nissan MuranoMidsize$1,994$166
Buick EncoreCompact$2,016$168
Honda CR-VCompact$2,024$169
Subaru OutbackMidsize$2,024$169
Buick EnvistaMidsize$2,030$169
Volkswagen TaosCompact$2,034$170
Kia NiroCompact$2,044$170
Honda HR-VCompact$2,066$172
Subaru AscentMidsize$2,068$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Reading, PA, with the Subaru Crosstrek ranking first at $1,756 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Reading, PA, with the Subaru Crosstrek ranking first at $1,756 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Is your SUV not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Pennsylvania.

Cheapest sports car insurance rates

The four cheapest sports cars to insure in Reading are the Mazda MX-5 Miata at $2,196 per year, Toyota GR86 at $2,502 per year, Ford Mustang at $2,612 per year, and BMW Z4 at $2,624 per year.

Other cars that rank well are the Subaru BRZ, BMW M2, Toyota GR Supra, and Lexus RC F, with average rates of $2,840 per year or less.

Full-coverage car insurance in this segment starts at an average of $183 per month, depending on your company and location. The comparison table below ranks the twenty sports cars with the cheapest auto insurance rates in Reading, starting with the Mazda MX-5 Miata at $2,196 per year and ending with the Porsche Taycan at $4,024 per year.

Cheapest Insurance for Sports Cars in Reading, Pennsylvania
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,196$183
Toyota GR86Sports Car$2,502$209
Ford MustangSports Car$2,612$218
BMW Z4Sports Car$2,624$219
Subaru WRXSports Car$2,664$222
Toyota GR SupraSports Car$2,668$222
BMW M2Sports Car$2,746$229
Nissan ZSports Car$2,750$229
Lexus RC FSports Car$2,806$234
Subaru BRZSports Car$2,840$237
BMW M3Sports Car$3,000$250
Porsche 718Sports Car$3,058$255
Chevrolet CamaroSports Car$3,088$257
Chevrolet CorvetteSports Car$3,290$274
Porsche 911Sports Car$3,404$284
BMW M4Sports Car$3,546$296
Lexus LC 500Sports Car$3,564$297
Jaguar F-TypeSports Car$3,748$312
Mercedes-Benz AMG GT53Sports Car$3,932$328
Porsche TaycanSports Car$4,024$335

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Reading, PA, with the Mazda MX-5 Miata ranking first at $2,196 per year.
Ranking of the cheapest sports cars to insure in Reading, PA, with the Mazda MX-5 Miata ranking first at $2,196 per year.

Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Reading.

Cheapest pickup insurance rates

Ranking in the top five for the lowest-cost Reading auto insurance rates in the pickup truck segment are the Nissan Frontier, Ford Maverick, Ford Ranger, Nissan Titan, and Chevrolet Colorado. Car insurance rates for these 2024 models average $192 or less per month.

Some other pickups that have affordable insurance rates are the Toyota Tacoma, GMC Sierra 2500 HD, Hyundai Santa Cruz, and GMC Canyon, with an average cost to insure of $2,442 per year or less.

Full-coverage auto insurance in this segment for the average driver starts at around $174 per month, depending on your location and insurance company. The next table ranks the pickups with the cheapest car insurance rates in Reading, starting with the Chevrolet Colorado at $2,092 per year ($174 per month) and ending with the Ram Truck at $2,748 per year ($229 per month).

Cheapest Insurance for Pickups in Reading, Pennsylvania
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,092$174
Nissan TitanFull-size$2,222$185
Nissan FrontierMidsize$2,246$187
Ford RangerMidsize$2,268$189
Ford MaverickMidsize$2,304$192
Honda RidgelineMidsize$2,356$196
Hyundai Santa CruzMidsize$2,396$200
Toyota TacomaMidsize$2,406$201
GMC Sierra 2500 HDHeavy Duty$2,416$201
GMC CanyonMidsize$2,442$204
Jeep GladiatorMidsize$2,502$209
GMC Sierra 3500Heavy Duty$2,518$210
Chevrolet Silverado HD 3500Heavy Duty$2,540$212
Chevrolet Silverado HD 2500Heavy Duty$2,608$217
GMC SierraFull-size$2,624$219
Chevrolet SilveradoFull-size$2,626$219
Nissan Titan XDHeavy Duty$2,626$219
Ford F150Full-size$2,660$222
GMC Hummer EV PickupFull-size$2,724$227
Ram TruckFull-size$2,748$229

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Reading, PA, with the Chevrolet Colorado ranking first at $2,092 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Reading, PA, with the Chevrolet Colorado ranking first at $2,092 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see your pickup model? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Reading car insurance quotes from top-rated companies in Pennsylvania.

Cheapest luxury car insurance rates

The four top-ranked luxury cars with the lowest-cost average auto insurance rates in Reading are the Acura Integra at $2,112 per year, BMW 330i at $2,416 per year, Mercedes-Benz CLA250 at $2,444 per year, and Lexus IS 300 at $2,448 per year.

Not the cheapest in the list, but still ranking well, are luxury cars like the Cadillac CT4, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $2,496 per year or less.

Ranking between positions 10 and 20, cars like the Jaguar XF, Lexus ES 300h, Cadillac CT5, Lexus IS 350, Lexus ES 250, and Lexus RC 350 cost between $2,496 and $2,662 per year for auto insurance in Reading.

Full-coverage auto insurance in Reading for this segment for a middle-age safe driver starts at an average of $176 per month, depending on where you live.

When the luxury car segment is analyzed by vehicle size, the most affordable compact luxury car to insure in Reading is the Acura Integra at $2,112 per year, or $176 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $2,444 per year, or $204 per month. And for full-size luxury models, the Audi A5 has the best rates at $2,822 per year, or $235 per month.

The table below ranks the twenty cars with the cheapest average car insurance rates in Reading, starting with the Acura Integra at $2,112 per year ($176 per month) and ending with the Audi S3 at $2,662 per year ($222 per month).

Cheapest Insurance for Luxury Cars in Reading, Pennsylvania
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,112$176
BMW 330iCompact$2,416$201
Mercedes-Benz CLA250Midsize$2,444$204
Lexus IS 300Midsize$2,448$204
Acura TLXCompact$2,456$205
Lexus ES 350Midsize$2,478$207
Cadillac CT4Compact$2,480$207
Genesis G70Compact$2,486$207
Mercedes-Benz AMG CLA35Midsize$2,490$208
Lexus RC 300Midsize$2,496$208
Lexus IS 350Compact$2,506$209
Jaguar XFMidsize$2,512$209
Cadillac CT5Midsize$2,560$213
Lexus ES 250Midsize$2,568$214
Lexus RC 350Compact$2,576$215
BMW 330eCompact$2,580$215
BMW 228iCompact$2,582$215
BMW 230iCompact$2,604$217
Lexus ES 300hMidsize$2,606$217
Audi S3Compact$2,662$222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Reading, PA, with the Acura Integra ranking first at $2,112 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Reading, PA, with the Acura Integra ranking first at $2,112 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Pennsylvania.

Cheapest luxury SUVs to insure

The three top-ranked luxury SUVs with the most affordable average auto insurance rates in Reading are the Acura RDX at $1,986 per year, the Lexus NX 250 at $2,104 per year, and the Cadillac XT4 at $2,142 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus NX 450h, with an average cost to insure of $2,292 per year or less.

Ranked in the lower half of the top 20, SUVs like the Acura MDX, Infiniti QX60, Lexus RX 350, Mercedes-Benz GLA250, and Mercedes-Benz AMG GLB35 average between $2,292 and $2,384 per year to insure.

Car insurance rates for this segment in Reading for the average driver starts at an average of $166 per month, depending on the company and your location.

The rate comparison table below ranks the twenty luxury SUVs with the most affordable insurance in Reading.

Cheapest Insurance for Luxury SUVs in Reading, Pennsylvania
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,986$166
Lexus NX 250Compact$2,104$175
Cadillac XT4Compact$2,142$179
Jaguar E-PaceMidsize$2,222$185
Cadillac XT5Midsize$2,240$187
Lexus NX 350hCompact$2,240$187
Lincoln CorsairCompact$2,268$189
Mercedes-Benz GLB 250Compact$2,272$189
Lexus UX 250hCompact$2,276$190
Lexus NX 450hCompact$2,292$191
Infiniti QX50Midsize$2,310$193
Mercedes-Benz GLA250Compact$2,316$193
Mercedes-Benz GLA35 AMGCompact$2,322$194
Cadillac XT6Midsize$2,324$194
Infiniti QX60Midsize$2,338$195
Mercedes-Benz AMG GLB35Midsize$2,338$195
Land Rover EvoqueCompact$2,370$198
Acura MDXMidsize$2,376$198
Lexus NX 350Compact$2,382$199
Lexus RX 350Midsize$2,384$199

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Reading, PA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Reading, PA, with the Acura RDX ranking first at $1,986 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Reading, PA, with the Acura RDX ranking first at $1,986 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Pennsylvania.

How to find cheaper auto insurance in Reading

Reading drivers should always be looking to save money on car insurance, so scan the money-saving ideas in the list below and see if you can save some money when buying car insurance.

  • Research discounts to lower the cost. Discounted rates may be available if the insured drivers are accident-free, are good students, are loyal customers, belong to certain professional organizations, are claim-free, or many other discounts which could save the average Reading driver as much as $402 per year.
  • Compare insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and companies can sell coverages with a wide range of costs. Get plenty of comparison quotes before you buy a different vehicle to prevent insurance sticker shock when you receive your bill.
  • Improve your credit to save money. Insureds with excellent credit scores of 800+ could save around $373 per year compared to a good rating of 670-739. Conversely, a credit rating below 579 could cost around $432 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • If your car is older, remove unneeded coverages. Removing physical damage coverage (comprehensive and collision) from older vehicles will trim the cost significantly.
  • Car insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.