Car Insurance Quotes Reading Pa
Car Insurance Quotes Reading Pa
Car insurance is a necessity for drivers in Reading, Pa, as mandated by law. Driving without insurance can lead to serious consequences, including fines and license suspension. Several factors influence car insurance rates in Reading, PA. These include age, gender, driving record, the type of vehicle, zip code, safety features, and marital status. Younger drivers typically face higher premiums due to their lack of driving experience and higher accident rates. Drivers with a history of accidents or traffic violations can expect to pay more for coverage. The zip code of residence also plays a significant role, as areas with higher rates of theft and claims tend to have higher premiums. The type of vehicle insured also affects rates, and many more factors
Car insurance costs in Reading, PA, can vary based on coverage type and zip code. full coverage in Reading, PA, averages around $120 per month, which is less than both the Pennsylvania average of $130 and the national average of $140. Minimum coverage averages about $43 per month, slightly below the national average of $48. However, SmartFinancial indicates that drivers in Reading PA pay around $135.44 per month compared to the national average of $169.36 per month. These figures highlight the importance of comparison shopping to find the most affordable rates
Car insurance rates in Reading, PA, vary by zip code due to differing levels of risk. Factors such as the number of thefts and claims in a specific area influence the average monthly premium. For instance, rates for full coverage range from $128 in zip code 17401 to $156 in zip code 19602. Liability insurance coverage also varies, with rates generally ranging from $43 to $49 across different zip codes . These variations underscore the importance of considering location when seeking car insurance in Reading.
READ ALSO; car insurance quotes high risk drivers
Affordable Car Insurance Rates by Zip Code in Reading, PA
Each Reading, PA, zip code has a different average monthly premium because some zip codes experience more thefts, claims, and other dangerous activities than others.
The average monthly premium paid by zip code in Reading is listed below:
Zip Code Full Coverage Insurance Liability Insurance Coverage
17401……………$128……………………………………$43
19555……………$139……………………………………$43
19601……………$153……………………………………$49
19602…………..$156……………………………………$49
19604…………..$153……………………………………$48
19605…………..$134……………………………………$43
19606…………..$144……………………………………$45
19607…………..$137……………………………………$44
19608…………..$134…………………………………..$43
19609 ………….$135…………………………………..$43
19610…………..$135…………………………………..$44
19611……………$141…………………………………..$45
Car Insurance Factors Allowed in Reading, PA
When determining drivers’ risk profiles, auto insurance firms base them on these categories to take into account several factors, such as:
- Age
- Gender
- Driving record
- Driving an older make and model vehicle
- Zip code of residence
- Number of in-vehicle safety features
- Marital status
Other factors are also related to the vehicle you drive. For example, having advanced safety features or increasing energy efficiency in your car could qualify you for discounts.
Affordable Car Insurance Rates Comparison by Cities in Pennsylvania
For the average monthly premium paid in other Pennsylvania cities, check out the breakdown below:
City Full Coverage Insurance Liability Insurance Coverage
Reading……………$128………………………………………$43
Allentown…………$143………………………………………$46
Philadelphia……..$309……………………………………..$94
Pittsburgh………..$132……………………………………….$43
Scranton…………..$138………………………………………$43
Discounts for Car Insurance in Reading, PA
Save a few dollars on your next auto insurance policy with plenty of available discounts.
Discounts include but are not limited to:
- Good Driver Discount
- Student Discount
- Customer retention discount
- Military Discount
- Multi-car discount
Insurance Agents and Agencies near Reading, PA
These are independent insurance agents in Reading, PA. You can find customized insurance plans from some of the best insurance companies, whose policies are the best fit for your situation. Contact these insurance agents and start the process of obtaining the coverage you require.
David A. Koeffler
- Open Until 5:00 PM
- (610) 375-3332
- 905 Penn St
- Reading, PA 19601
William C. Young III Agency
- Open Until 5:00 PM
- (610) 779-8064
- 3351 Perkiomen Avenue
- Reading, PA 19606
Castillo,Jacqueline Del-Rosari
- (610) 372-3030
- 432 Walnut St
- Reading, PA 19601
David A Koeffler
- (610) 929-9951
- 2711 N 5th St Hwy
- Reading, PA 19605
David A Koeffler
- (610) 929-9951
- 837 Washington St
- Reading, PA 19601
What Are the Penalties for Driving Without Insurance in Reading, PA?
Don’t drive in Reading, PA, without insurance.
In addition to a $300 fine, first-time offenders will have their driver’s license and registration suspended for three months until A driver shows evidence of insurance to the Pennsylvania Department of Motor Vehicles. You have to pay $100 for reinstatement and $94 for vehicle registration.
Drivers in Reading, PA, can avoid the ban by paying a $500 civil penalty.
Reading, PA, drivers are not required to file an SR-22, an official declaration that lets the state know you are carrying the minimum required coverage by law. For additional information, visit here
RELATED ARTICLE