Cost of Car Insurance in Reading, PA – 2024 Rates + Cheapest to Insure

• Reading car insurance rates average $1,810 per year for full coverage, or approximately $151 per month.
• Reading auto insurance costs $32 per year less than the Pennsylvania state average ($1,842) and $73 per year less than the U.S. national average rate ($1,883).
• Car insurance rates for a few popular models in Reading include the Mazda CX-5 at $123 per month, GMC Sierra at $167, and Toyota Highlander at $137.
• 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 $1,860 per year, Acura RDX at $1,512 per year, Chevrolet Colorado at $1,548 per year, and Subaru Crosstrek at $1,334 per year.

What is average car insurance cost in Reading?

The average car insurance cost in Reading is $1,810 per year, which is 4% less than the overall U.S. national average rate of $1,883. The average cost of car insurance per month in Reading is $151 for a full coverage policy.

In the state of Pennsylvania, the average car insurance cost is $1,842 per year, so the cost in Reading averages $32 less per year. The average cost to insure a car in Reading compared to other Pennsylvania cities is $44 per year more than in Pittsburgh, $1,080 per year less than in Philadelphia, and $32 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 car insurance rates in the chart range from $1,268 per year for a policy with high physical damage deductibles for a 60-year-old driver to $4,234 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 $106 to $353.

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 – $6,444 per year or $537 per month
• 17-year-old rated driver – $6,244 per year or $520 per month
• 18-year-old rated driver – $5,596 per year or $466 per month
• 19-year-old rated driver – $5,094 per year or $425 per month
• 20-year-old rated driver – $3,640 per year or $303 per month
• 30-year-old rated driver – $1,930 per year or $161 per month
• 40-year-old rated driver – $1,810 per year or $151 per month
• 50-year-old rated driver – $1,604 per year or $134 per month
• 60-year-old rated driver – $1,500 per year or $125 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.

Car insurance for a female 16-year-old driver in Reading costs an average of $425 less than a male driver per year, while at age 19, females don’t save quite as much at $787 per year.

Reading’s favorite vehicles and the cost to insure them

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.

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 $125 to $537 – 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 – $1,810 (Reading average) compared to $1,842 (Pennsylvania average)
• Car insurance gets more affordable the older you are – Rates for a 50-year-old driver in Reading are $2,036 per year cheaper than for a 20-year-old driver.
• Car insurance for teen drivers is expensive – Cost ranges from $4,307 to $6,444 per year for teen driver car insurance in Reading, Pennsylvania.
• Reading, PA, average car insurance cost is less than the U.S. average – $1,810 (Reading average) versus $1,883 (U.S. average)
• Insurance rates decrease considerably in your twenties – The average 30-year-old Reading driver will pay $1,710 less each year than a 20-year-old driver, $1,930 versus $3,640.

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 $1,470 or less per year to have full coverage.

Additional vehicles that come in near the top in our overall cost comparison are the Volkswagen Taos, Chevrolet Colorado, 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 $1,550 or less per year.

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

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.

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 $1,608 per year for full coverage insurance up to the BMW M340i costing $2,210 per year.

In the midsize truck segment, the average cost of insurance ranges from the Chevrolet Colorado at $1,548 per year to the Rivian R1T at $2,256 per year, a difference of $708 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 $1,572 per year, the Nissan Leaf at $1,586 per year, and the Honda Civic at $1,600 per year.

Not the cheapest to insure, but still ranked well, are models like the Toyota Prius, Chevrolet Malibu, Honda Accord, and Hyundai Ioniq 6, with average rates of $1,754 per year or less.

In the lower half of the top 20 cars to insure, cars like the Mitsubishi Mirage G4, Volkswagen Arteon, Subaru Legacy, Toyota Corolla, Kia Forte, and Mazda 3 average between $1,754 and $1,870 to insure per year.

Auto insurance in Reading for this segment will start around $131 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 $1,572 per year, or $131 per month. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,662 per year, or $139 per month. And for full-size cars, the Chrysler 300 is the cheapest model to insure at $1,716 per year, or $143 per month.

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

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 $1,334 per year, Chevrolet Trailblazer at $1,360 per year, Kia Soul at $1,410 per year, and Nissan Kicks at $1,422 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 $1,480 per year or less.

As a cost per month, auto insurance in Reading on this segment for a good driver starts at around $111 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 $1,334 per year. For midsize models, the Honda Passport is cheapest to insure at $1,440 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,698 per year.

The table below ranks the SUVs with the cheapest average car insurance rates in Reading, starting with the Subaru Crosstrek at $111 per month and ending with the Honda HR-V at $131 per month.

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 $1,672 per year, Toyota GR86 at $1,906 per year, Ford Mustang at $1,990 per year, and BMW Z4 at $1,998 per year.

Other cars that rank well are the Subaru BRZ, BMW M2, Toyota GR Supra, and Lexus RC F, with average rates of $2,164 per year or less.

Full-coverage car insurance in this segment starts at an average of $139 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 $1,672 per year and ending with the Porsche Taycan at $3,066 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 $146 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 $1,862 per year or less.

Full-coverage auto insurance in this segment for the average driver starts at around $129 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 $1,548 per year ($129 per month) and ending with the Ram Truck at $2,092 per year ($174 per month).

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 $1,608 per year, BMW 330i at $1,840 per year, Mercedes-Benz CLA250 at $1,860 per year, and Lexus IS 300 at $1,864 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 $1,902 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 $1,902 and $2,028 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 $134 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 $1,608 per year, or $134 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $1,860 per year, or $155 per month. And for full-size luxury models, the Audi A5 has the best rates at $2,142 per year, or $179 per month.

The table below ranks the twenty cars with the cheapest average car insurance rates in Reading, starting with the Acura Integra at $1,608 per year ($134 per month) and ending with the Audi S3 at $2,028 per year ($169 per month).

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 $1,512 per year, the Lexus NX 250 at $1,602 per year, and the Cadillac XT4 at $1,632 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 $1,744 per year or less.

Ranked in the lower half of the top 20, SUVs like the Land Rover Evoque, Infiniti QX60, Lexus NX 350, Mercedes-Benz GLA250, and Mercedes-Benz AMG GLB35 average between $1,744 and $1,814 per year to insure.

Car insurance rates for this segment in Reading for the average driver starts at an average of $126 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.

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 $306 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 $284 per year compared to a good rating of 670-739. Conversely, a credit rating below 579 could cost around $329 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 $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.