Everything You Need to Know About Auto Insurance in Pennsylvania
Located in southern Pennsylvania, Reading is one of the state’s most interesting destinations. Many residents and visitors alike are big fans of Reading’s natural and historic sites, including the 600-acre Nolde Forest, bird-watching mecca Hawk Mountain Sanctuary, and the many covered bridges scattered throughout the city.
Drivers in Reading must carry car insurance by law. Not having active auto insurance in Pennsylvania will result in a suspended driver’s license and registration, along with fines and reinstatement fees. Keep reading to learn more about car insurance in Reading, including penalties for driving without insurance and ways to save on your next bill.
How Much Does Car Insurance Cost in Reading, PA?
Reading drivers pay an average monthly premium of $120 for full coverage, below the Pennsylvania average of $130 and the national average of $140. State minimum coverage averages about $43 per month, slightly below the national average of $48.
This is different from most no-fault states, where residents typically pay more in premiums.
Full coverage consists of liability, comprehensive and collision. It offers the highest level of protection for drivers.
What is a No-Fault State?
A no-fault state such as Pennsylvania means drivers who are involved in an accident will use their own insurance to help pay for their injuries and damages, regardless of who is at fault. In an at-fault state, the insurance company of the at-fault driver is responsible for kicking in to pay for injuries and damages suffered by others.
Most no-fault states require some additional medical coverage and that’s true for Pennsylvania, where motorists are required to have $5,000 in Personal Injury Protection (PIP).
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Affordable Car Insurance Rates Comparison by Cities in Pennsylvania
For the average monthly premium paid in other Pennsylvania cities, check out our breakdown below:
|City||Full Coverage Insurance||Liability Insurance Coverage|
Affordable Car Insurance Rates by Zip Code in Reading, PA
Every zip code in Reading pays a different average monthly premium, thanks to the number of thefts, claims, and other risky behaviors occurring in select zip codes more than others.
In Reading, residents pay the average monthly premium by zip code below:
|Zip Code||Full Coverage Insurance||Liability Insurance Coverage|
Low-Cost Car Insurance Rates by Age in Reading, PA
Age is a critical factor used by auto insurance companies in determining the cost of your premiums. Older drivers generally pay lower premiums than younger drivers due to a longer driving history, less risky driving behavior, less at-fault accidents, and lower claim volume.
In Reading, residents pay the average monthly premium by age below:
|Age||Full Coverage Insurance||Liability Insurance Coverage|
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Pennsylvania. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Reading, PA
How Many FataI Accidents Happen in Reading?
In 2019, there were eight fatal road accidents in Reading, involving a total of 13 vehicles resulting in nine fatalities. Altogether, 14 people were involved including two pedestrians.
How Are the Road Infrastructure and Bridges in Reading, Pennsylvania?
The city of Reading has a strong Public Works department in charge of maintaining and repairing all roads, bridges, and traffic infrastructure. This includes maintaining all city traffic signals and updating pavement markings on sidewalks, crosswalks, and other thoroughfares.
It also manages a website that allows residents to report problems with traffic lights, traffic signs, and other public items.
For more information on the city of Reading’s Public Works program, visit Reading Public Works.
Minimum Car Insurance Requirements in Reading, Pennsylvania
All Reading drivers must carry the following minimum liability limits:
- Bodily Injury Liability Per Person: $15,000
- Bodily Injury Liability Per Accident: $30,000
- Property Damage Liability Per Accident: $5,000
- Medical Benefits: $5,000
Pennsylvania drivers have several auto insurance options, including state minimum liability and full coverage. Full coverage includes additional first-party benefits such as collision and comprehensive coverage. Collision protects against vehicle-to-vehicle, vehicle-to-object, and rollover collisions, whereas comprehensive covers events outside your control, such as vandalism, falling tree limbs, and natural disasters.
What Are the Penalties for Driving Without Insurance in Reading, PA?
Driving without insurance in Reading is never a good idea.
First-time offenders will receive a $300 penalty and a 3-month driver’s license and registration suspension until you provide the Pennsylvania Department of Motor Vehicles with proof of insurance. In addition, you can expect a $94 vehicle registration and $100 reinstatement fees.
Fortunately, Reading drivers can pay a $500 civil penalty to waive the suspension.
Unlike most states, Pennsylvania drivers do not need to file an SR-22, an official declaration that lets the state know you are carrying the minimum required coverage by law. However, you can expect your premiums to rise significantly now that you are reclassified as a high-risk or higher-risk driver.
Insurance That Helps You Prepare for the Future
Auto insurance is designed to protect you financially in the event something happens to you while you are driving or your vehicle is damaged or stolen while it is parked. You’ve made a financial investment in your vehicle, so you need to protect that investment.
Without insurance, even a fender bender can wind up costing you money – possibly even savings. If you’ve been working hard to save up for a down payment on a house or to put your child through college and you get into an accident, you may end up paying out of pocket and having to dip into those reserves.
Choosing the right amount of coverage for your needs and budget will depend on your unique circumstances. Choose an independent insurance agent in order to get the most options for your policy.
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Car Insurance Factors Allowed in Reading, PA
Auto insurance companies use proprietary underwriting methods to determine drivers’ risk profiles.
Some of the factors they take into consideration include:
- 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.
Discounts for Car Insurance in Reading, Pennsylvania
Save a few dollars on your following auto insurance policy with plenty of available discounts.
Discounts include but are not limited to:
Other ways of saving on car insurance include lowering your liability limits, increasing your deductible, participating in a low-mileage driving program, and installing safety features in your vehicle. In-vehicle safety features may include anti-lock brakes, anti-theft devices, and daytime running lights.
Get an Online Quote for Low-Cost Car Insurance in Reading, PA Today!
Are you ready for a new and affordable auto insurance policy from Freeway Insurance? We will be glad to help you and your family find the appropriate coverage for your needs.
To get started, request a quote online, visit a Reading office near you, or call one of our agents at 800-777-5620 to explore your options. For the rates you deserve, contact us today.