Compare Reading, MA Car Insurance Rates (2021)

Car insurance in Reading, MA averages $240 a month. Reading, Massachusetts car insurance requirements are 20/40/5, 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, MA.

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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

  • The cheapest car insurance company in Reading is State Farm
  • Average car insurance rates in Reading, MA after a DUI are $3,539/year
  • Average car insurance rates in Reading, MA are $2,879/year

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

You’ll find Reading car insurance rates, the cheapest Reading, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Reading, Massachusetts car insurance rates to Boston car insurance rates, Springfield car insurance rates, and Lowell car insurance rates.

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

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

How do age, gender, and marital status affect Reading, MA car insurance rates? Every Reading, Massachusetts 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, Massachusetts

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 $2,160 $2,160 $2,160 $2,160 $7,812 $7,812 $2,425 $2,425
GEICO $1,800 $1,800 $1,667 $1,667 $5,151 $5,151 $1,857 $1,857
Liberty Mutual $2,623 $2,623 $2,287 $2,287 $8,758 $8,758 $2,744 $2,744
Progressive $1,953 $1,953 $1,873 $1,873 $7,283 $7,283 $2,114 $2,114
State Farm $862 $862 $862 $862 $2,394 $2,394 $862 $862
Travelers $2,773 $2,773 $2,455 $2,455 $5,693 $5,693 $3,088 $3,088
USAA $1,286 $1,286 $1,267 $1,267 $2,984 $2,984 $1,419 $1,419

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Minimum Car Insurance in Reading, MA

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

Minimum Required Car Insurance Coverage in Reading, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Reading, MA 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, MA to rates for a clean record with top companies.

Annual Reading, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,820 $4,191 $4,725 $2,820
GEICO $2,096 $2,881 $3,288 $2,209
Liberty Mutual $3,238 $4,409 $5,311 $3,453
Progressive $2,782 $3,906 $3,107 $3,426
State Farm $986 $1,342 $1,597 $1,056
Travelers $2,733 $3,784 $4,022 $3,472
USAA $1,241 $1,608 $2,721 $1,387

Cheapest Reading, MA Car Insurance for Teen Drivers

Teen car insurance in Reading, MA 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, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,812 $7,812
GEICO $5,151 $5,151
Liberty Mutual $8,758 $8,758
Progressive $7,283 $7,283
State Farm $2,394 $2,394
Travelers $5,693 $5,693
USAA $2,984 $2,984

Cheapest Reading, MA Car Insurance for Seniors

Take a look at Reading, MA 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, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,160 $2,160
GEICO $1,667 $1,667
Liberty Mutual $2,287 $2,287
Progressive $1,873 $1,873
State Farm $862 $862
Travelers $2,455 $2,455
USAA $1,267 $1,267

Cheapest Reading, MA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Reading, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,725
GEICO $3,288
Liberty Mutual $5,311
Progressive $3,107
State Farm $1,597
Travelers $4,022
USAA $2,721

Cheapest Reading, MA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Reading, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,524 $3,754
GEICO $2,567 $2,670
Liberty Mutual $3,942 $4,264
Progressive $3,306 $3,306
State Farm $1,216 $1,275
Travelers $3,339 $3,666
USAA $1,691 $1,787

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The Best Cheap Car Insurance Companies in Reading, MA

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

Average Annual Car Insurance Rates by Company in Reading, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,639
GEICO $2,619
Liberty Mutual $4,103
Progressive $3,306
State Farm $1,245
Travelers $3,502
USAA $1,739

Category Winners: Cheapest Car Insurance in Reading, Massachusetts

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

Best Annual Car Insurance Rates by Company in Reading, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Reading, MA 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, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Reading, Massachusetts

Insurance Company Low Medium High
Allstate $3,374 $3,697 $3,846
GEICO $2,409 $2,667 $2,780
Liberty Mutual $3,847 $4,155 $4,307
Progressive $3,040 $3,367 $3,509
State Farm $1,135 $1,268 $1,333
Travelers $3,168 $3,579 $3,759
USAA $1,611 $1,768 $1,838

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What affects car insurance rates in Reading, Massachusetts?

What factors can have an impact on Reading, MA 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, Massachusetts.

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, MA is 34.4 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, MA traffic data from INRIX ranks Reading as the 171st-most congested in the world.

Compare Car Insurance Quotes in Reading, MA

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

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