Reading Car Insurance Resources

Reading, PA Car Insurance

Cars Insured in Reading

^ There are an estimated 59,629 vehicles currently insured in Reading. ^[1]

Car Insurance Rates in Reading

^ From 2006 to 2010, Pennsylvania cities had the 18th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Reading

^ There are an estimated 4,026 uninsured motorists driving in Reading. ^[3]

Reading Car Insurance

Car Insurance Liability Requirements in Reading

Minimum Liability Limits in Reading: 15/30/5 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 5 Required coverage up to $5,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Reading

Reading Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Reading

Insurer Verification of Auto Insurance in Reading ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Reading Car Insurance Facts, Estimates & Related Laws

Reading Car Insurance Stats

Number of Auto Insurance Policies in Reading
- Based on historical and current data, 59,629 cars are currently insured in Reading. ^[5]
- Pennsylvania cities collectively ranked 5th in the nation in auto insurance policies in 2011 with a total of 8,599,108. ^[1]
Uninsured Motorist Rate in Reading
- Based on historical and current data, Reading has an estimated 4,026 uninsured drivers. ^[6]
- Pennsylvania cities collectively had the 48th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Reading
- Pennsylvania cities collectively had the 17th highest auto insurance rates in the nation in 2010. ^[2]

Reading Distracted Driving Laws

Hand-held phone ban? No
Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? No
Bus driver cell phone ban? No
Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Reading Automotive Laws

Minimum Driving Age in Reading ^[9]
- Reading, PA minimum driving age: 16 years.
Driver's License Renewal Cycle in Reading
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Reading
- Motorcycle helmets required for 20 and younger. ^[7]
- Pennsylvania\'s motorcycle helmet use law covers all operators during the first two years of licensure unless the operator has completed the safety course approved by PennDOT or the Motorcycle Safety Foundation. ^[7]
Safety Belt Laws in Reading
- Safety belt laws have been in place since 1987 and apply to drivers/passengers 8 through 17 years in all seats; 18+ years in front seat. ^[7]
- Child restraint law in place for 7 years and younger. ^[7]

Pennsylvania Car & Driver Facts

Pennsylvania Auto Registrations

Auto Registrations in PA ^[8]
- Registered Cars: 5,484,519
- Registered Trucks: 4,388,029
- Registered Motorcycles: 404,896
- Total Registrations: 10,302,980
- Rank: Pennsylvania ranked 6th in the United States in total auto registrations in 2011.

Pennsylvania Automotive Facts

Speed Limits in PA
- Rural interstates: 65 mph ^[7]
- Urban interstates: 55 mph ^[7]
- Other roads: 55 mph ^[7]
Pennsylvania Motor Fuel Consumption
- Pennsylvania cities collectively ranked 5th in the nation in total motor fuel consumption in 2011. ^[10]

Pennsylvania Licensed Drivers

Licensed Drivers in PA ^[11]
- Female Drivers: 4,429,168
- Male Drivers: 4,367,606
- Total Drivers: 8,796,774
- Rank: 5th highest in the U.S.

Additional information about Reading, PA

About Reading

Reading (Pennsylvania) is a city with a population of 88,082 ^[12] that is located in Berks County.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)