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?

Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.

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)