Compare Reading, KS Car Insurance Rates (2021)

Car insurance in Reading, KS averages $270 a month. Reading, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Reading car insurance rates, compare quotes from the top car insurance companies in Reading, KS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Reading, KS after a DUI are $3,891/year
  • Average car insurance rates in Reading, KS are $3,239/year
  • The cheapest car insurance company in Reading is American Family

If you need to buy Reading, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Reading, KS is right here.

You’ll find Reading car insurance rates, the cheapest Reading, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Reading, Kansas car insurance rates to Topeka car insurance rates, Manhattan car insurance rates, and Wichita car insurance rates.

Ready to find affordable Reading, KS car insurance today? Enter your ZIP code for fast, free Reading car insurance quotes.

Cheapest Reading, KS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Reading, KS car insurance rates? Every Reading, Kansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Reading, Kansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,921 $2,846 $2,594 $2,670 $7,834 $8,726 $3,015 $3,133
American Family $1,528 $1,528 $1,381 $1,381 $3,017 $3,627 $1,528 $1,725
Farmers $2,193 $2,177 $1,957 $2,047 $6,045 $6,261 $2,466 $2,588
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,371 $2,562 $2,254 $2,514 $10,841 $12,107 $2,597 $2,811
Nationwide $1,669 $1,718 $1,488 $1,602 $3,513 $4,295 $1,951 $2,077
Progressive $2,238 $2,124 $1,803 $1,886 $8,421 $9,498 $2,644 $2,841
State Farm $1,634 $1,634 $1,429 $1,429 $4,322 $5,512 $1,835 $2,072
Travelers $2,044 $2,079 $1,998 $2,021 $8,320 $12,984 $2,094 $2,462
USAA $1,289 $1,315 $1,182 $1,194 $4,402 $4,623 $1,703 $1,780

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Minimum Car Insurance in Reading, KS

Every driver must carry the minimum car insurance in Reading, KS. Take a look at the Kansas car insurance requirements.

Minimum Required Car Insurance Coverage in Reading, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Reading, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Reading, KS. Compare credit history car insurance rates in Reading from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Reading, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,566 $1,812 $1,516
Farmers $3,785 $3,018 $2,847
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,757 $4,757 $4,757
Nationwide $2,531 $2,244 $2,092
Progressive $4,497 $3,791 $3,507
State Farm $3,615 $2,161 $1,674
Travelers $4,909 $4,000 $3,842
USAA $2,980 $1,962 $1,616

Cheapest Reading, KS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Reading, KS to rates for a clean record with top companies.

Annual Reading, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,650 $4,252 $4,882 $4,085
American Family $1,927 $2,077 $1,927 $1,927
Farmers $2,712 $3,491 $3,403 $3,261
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,591 $5,393 $5,296 $4,748
Nationwide $1,730 $1,985 $3,468 $1,973
Progressive $3,630 $4,252 $3,796 $4,049
State Farm $2,306 $2,661 $2,483 $2,483
Travelers $3,091 $4,040 $5,576 $4,294
USAA $1,599 $2,155 $3,158 $1,831

Cheapest Reading, KS Car Insurance for Teen Drivers

Teen car insurance in Reading, KS can be expensive. Take a look at rates from the top car insurance companies in Reading for teenagers.

Annual Car Insurance Rates for Teen Drivers in Reading, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,017 $3,627
Farmers $6,045 $6,261
GEICO $4,439 $5,960
Liberty Mutual $10,841 $12,107
Nationwide $3,513 $4,295
Progressive $8,421 $9,498
State Farm $4,322 $5,512
Travelers $8,320 $12,984
USAA $4,402 $4,623

Cheapest Reading, KS Car Insurance for Seniors

Take a look at Reading, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Reading, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,381 $1,381
Farmers $1,957 $2,047
GEICO $2,443 $2,273
Liberty Mutual $2,254 $2,514
Nationwide $1,488 $1,602
Progressive $1,803 $1,886
State Farm $1,429 $1,429
Travelers $1,998 $2,021
USAA $1,182 $1,194

Cheapest Reading, KS Car Insurance Rates After a DUI

A DUI in Reading, KS increases car insurance rates. Compare Reading, Kansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Reading, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,882
American Family $1,927
Farmers $3,403
GEICO $4,922
Liberty Mutual $5,296
Nationwide $3,468
Progressive $3,796
State Farm $2,483
Travelers $5,576
USAA $3,158

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Cheapest Reading, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Reading, KS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Reading, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,217 $4,217
American Family $1,940 $1,990
Farmers $3,217 $3,217
GEICO $3,027 $3,159
Liberty Mutual $4,757 $4,757
Nationwide $2,289 $2,289
Progressive $3,932 $3,932
State Farm $2,422 $2,545
Travelers $4,250 $4,250
USAA $2,123 $2,249

The Best Cheap Car Insurance Companies in Reading, KS

Take a look at a side-by-side comparison of the top car insurance companies in Reading, KS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Reading, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $1,965
Farmers $3,217
GEICO $3,093
Liberty Mutual $4,757
Nationwide $2,289
Progressive $3,932
State Farm $2,483
Travelers $4,250
USAA $2,186

Category Winners: Cheapest Car Insurance in Reading, Kansas

Find the cheapest car insurance companies in Reading, KS for each category right here.

Best Annual Car Insurance Rates by Company in Reading, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Reading, KS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Reading car insurance rates. Find the cheapest Reading, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Reading, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $1,980 $2,064 $1,851
Farmers $3,075 $3,197 $3,379
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,652 $4,747 $4,873
Nationwide $2,405 $2,265 $2,198
Progressive $3,701 $3,900 $4,195
State Farm $2,394 $2,490 $2,566
Travelers $4,029 $4,256 $4,466
USAA $2,113 $2,181 $2,264

What affects car insurance rates in Reading, Kansas?

What factors can have an impact on Reading, KS car insurance? There are several reasons why Reading car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Reading, Kansas.

Commute Time in Reading

The more time you spend in your car the higher the risk of an accident. The average commute length in Reading, KS is 30.8 minutes according to City-Data.

Traffic in Reading

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Reading, KS traffic data from INRIX ranks Reading as the 171st-most congested in the world.

Compare Car Insurance Quotes in Reading, KS

Ready to find affordable Reading, Kansas car insurance today? Enter your ZIP code for fast, free Reading, KS car insurance quotes.

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