Reading Auto Insurance Rates, Quotes, Agents & Reviews in PA

Reading, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Reading, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Reading, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Reading, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Reading, PA with that of other cities in and around Reading.

Reading Lower Alsace Mount Penn West Reading Hyde Park Kenhorst
Average Insurance Rates $1,351 $1,413 $1,387 $1,393 $1,392 $1,402

Reading, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Reading, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Reading $1,444 $1,220
West Reading $1,650 $1,394
Mount Penn $1,614 $1,363
Lower Alsace $1,636 $1,382
Wyomissing $1,586 $1,340
Greenfields $1,130 $954
Kenhorst $1,258 $1,062
Hyde Park $1,092 $922

Reading, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Reading, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,384
20 Years $1,736
30 Years $1,337
40 Years $1,286
50 Years $1,191
60 Years $1,208
70 Years $1,406

Reading, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Reading, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,378 $324
3 Vehicles $3,567 $486
4 Vehicles $4,756 $648

Savings on 2 Vehicles bundle:$324

Savings on 3 Vehicles bundle:$486

Savings on 4 Vehicles bundle:$648


Reading, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Reading, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Reading $1,351 $2,127
West Reading $1,393 $2,193
Mount Penn $1,387 $2,183
Lower Alsace $1,413 $2,224
Wyomissing $1,494 $2,352
Greenfields $1,434 $2,257
Kenhorst $1,402 $2,207
Hyde Park $1,392 $2,191

Reading, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,159
Excellent (740-799) $1,323
Good (670-739) $1,408
Average (580-669) $1,837
Poor (300-579) $2,204

Reading, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dave Ladley State Farm 1710 Swamp Pike, Gilbertsville, 19525-9434 610-367-4668
Jeff King Allstate 225 S Easton Rd, Glenside, 19038 (215) 576-7944
Komlan Tsiseglo Allstate 720 Church Ln, Yeadon, 19050 (484) 461-9144
William C. Young Iii Agency Nationwide 3351 Perkiomen Avenue, Reading, 19606-2736 (610) 779-8064
Robert J Mcallister Agency Inc Travelers 15 GARRETT AVE 3RD FL, ROSEMONT, 19010 610-687-9790
Traci Nickens Farmers 1550 E Wadsworth Ave, Philadelphia, 19150 (215) 242-4090
Conner Strong & Buckelew Companies Inc Liberty Mutual Independent TWO LIBERTY PL 50 S 16TH ST STE 3600, PHILADELPHIA, 19102 267-702-1400
Jonathan Cohen Lutcf Farmers 1456 County Line Rd, Huntingdon Valley, 19006 (267) 719-3276
Larry Lewis Insurance Agency Llc Erie 4548 Market Street Suite M22 Suite 208, Philadelphia, 19139 None
Avg Insurance Services Llc Travelers 722 MACDADE BLVD, COLLINGDALE, 19023 610-585-9358

Reading, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$59 $1,410
Driver's Failure In Showing Documents +$131 $1,482
Driving With An Expired Registration +$139 $1,490
Driving At A Considerably Slow Pace +$293 $1,644
Using A Cellphone While Driving +$309 $1,660
Running A Red Light +$315 $1,666
Speeding +$331 $1,682
Driving A Vehicle Without The Required Permission +$420 $1,771
Driving With An Expired/Suspended License +$911 $2,262

Reading, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,297
Active Disabling Device $1,297
Tracking Device $1,270
Passive Disabling Device $1,256

Latest Auto Insurance Reviews in Reading, PA | Back to Top

Progressive
The offerings are very comparable to other insurance providers. I feel very comfortable with the coverage I have, and I like that I get the flexibility to pick what I actually need.
New Jersey Manufacturers Insurance Company
They have some of the better rates for my area for car insurance so I would recommend. They can insure all forms of automobiles and there is much flexibility in the desired level of insurance.
Allstate
I would definitely recommend AllState! Have only had great experiences with great customer service and low payments.
The General Insurance
I feel my premium is really good for what I get for my car. It is easy to pay off up front, but also is easy month to month. I feel my deductible could be lower, but with my good driving record, I am not as concerned as I could still afford it even if I make a claim.
The General Insurance
I feel my premium is really good for what I get for my car. It is easy to pay off up front, but also is easy month to month. I feel my deductible could be lower, but with my good driving record, I am not as concerned as I could still afford it even if I make a claim.
Esurance
They are available around the clock seven days a week. I have used them at an off time before and this is very convenient.
Allstate
I think that allstate has a lot of good options to offer and they seem to come in at a reasonable rate when compared to some of the other big names
Metlife
I have no problem about the premiums we pay for coverage of our automobiles. I have never been given any reason to doubt them.
Amica Mutual Insurance
I have no bad things to say about our insurance company. The only thing I dislike is that I only know they have one office here and the parking is the only bad thing about it. Theres no street parking and garage parking is not validated and costly because it is in a very busy business district.
Amica Mutual Insurance
Prices are good. They seem to be better than the competition around here
Metlife
discounts, great customer service