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).