Cheapest and Best Car Insurance Companies in Modesto, CA

GEICO offers the cheapest minimum coverage policies in Modesto, CA based on quotes collected for 2023. The provider also ranked as the best overall insurer due to its balance of customer service and affordability.

With GEICO, Modesto drivers can get the best and cheapest minimum and full coverage policies. National General is the most affordable for those with a speeding ticket or DUI offense, while Capital Insurance Group offers the least expensive premiums for drivers with an at-fault accident. Consider State Farm if you have a teen on your policy, USAA if you have a military background and Chubb if you want the best service quality available.

Cheapest + BestCar InsuranceModesto

2023

Cheapest and Best Car Insurance in Modesto, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Modesto

On average, the following insurers offer the cheapest minimum coverage policies in Modesto:

GEICO: $418 per year
Progressive: $490 per year

Chubb has the most expensive rates at $815 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$414	$34
GEICO	$418	$35
State Farm	$434	$36
Progressive	$490	$41
CSAA	$492	$41
GEICO	$492	$41
Mercury	$492	$41
Progressive	$499	$42
CSAA	$503	$42
Mercury	$506	$42
CSAA	$536	$45
Travelers	$540	$45
Travelers	$542	$45
Nationwide	$544	$45
Kemper	$560	$47
Nationwide	$565	$47
State Farm	$572	$48
Progressive	$584	$49
Travelers	$617	$51
Mercury	$620	$52
Kemper	$645	$54
Allstate	$647	$54
State National	$647	$54
Allstate	$653	$54
State Farm	$655	$55
Capital Insurance Group	$664	$55
State National	$666	$56
Farmers	$670	$56
Hartford	$682	$57
Capital Insurance Group	$688	$57
Farmers	$688	$57
Allstate	$702	$59
Nationwide	$710	$59
National General	$715	$60
National General	$738	$61
Capital Insurance Group	$771	$64
Farmers	$781	$65
State National	$785	$65
Hartford	$786	$65
Chubb	$815	$68
Chubb	$840	$70
Kemper	$856	$71
National General	$884	$74
State Farm	$1,027	$86
Hartford	$1,030	$86
GEICO	$1,057	$88
GEICO	$1,093	$91
Progressive	$1,101	$92
Progressive	$1,107	$92
National General	$1,142	$95
Allstate	$1,150	$96
National General	$1,161	$97
Chubb	$1,171	$98
Mercury	$1,181	$98
Mercury	$1,206	$101
Allstate	$1,214	$101
Nationwide	$1,214	$101
GEICO	$1,262	$105
Nationwide	$1,317	$110
State Farm	$1,318	$110
Progressive	$1,328	$111
Allstate	$1,341	$112
CSAA	$1,354	$113
CSAA	$1,360	$113
Capital Insurance Group	$1,362	$114
National General	$1,390	$116
State National	$1,405	$117
Hartford	$1,427	$119
Capital Insurance Group	$1,442	$120
Travelers	$1,482	$123
CSAA	$1,504	$125
State National	$1,509	$126
Kemper	$1,521	$127
State Farm	$1,539	$128
Travelers	$1,557	$130
Mercury	$1,568	$131
Farmers	$1,624	$135
Capital Insurance Group	$1,625	$135
Hartford	$1,647	$137
Farmers	$1,657	$138
Nationwide	$1,710	$142
State National	$1,850	$154
Travelers	$1,855	$155
Kemper	$1,867	$156
Chubb	$1,941	$162
Farmers	$1,959	$163
Chubb	$2,002	$167
Hartford	$2,152	$179
Kemper	$2,273	$189
Chubb	$2,861	$238

In the Golden State, liability-only policies must include the following minimum coverage for bodily injury and property damage:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Liability-only insurance covers the cost of damages to the other driver’s vehicle, not your own. With the coverage limits above, the insurance provider will pay medical expenses of $15,000 per person, up to a maximum of $30,000 per accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Modesto

The following companies offer the cheapest full coverage policies in Modesto:

GEICO: $1,093 per year
Progressive: $1,101 per year

Chubb has the most expensive rate at $1,941 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$414	$34
GEICO	$418	$35
State Farm	$434	$36
Progressive	$490	$41
CSAA	$492	$41
GEICO	$492	$41
Mercury	$492	$41
Progressive	$499	$42
CSAA	$503	$42
Mercury	$506	$42
CSAA	$536	$45
Travelers	$540	$45
Travelers	$542	$45
Nationwide	$544	$45
Kemper	$560	$47
Nationwide	$565	$47
State Farm	$572	$48
Progressive	$584	$49
Travelers	$617	$51
Mercury	$620	$52
Kemper	$645	$54
Allstate	$647	$54
State National	$647	$54
Allstate	$653	$54
State Farm	$655	$55
Capital Insurance Group	$664	$55
State National	$666	$56
Farmers	$670	$56
Hartford	$682	$57
Capital Insurance Group	$688	$57
Farmers	$688	$57
Allstate	$702	$59
Nationwide	$710	$59
National General	$715	$60
National General	$738	$61
Capital Insurance Group	$771	$64
Farmers	$781	$65
State National	$785	$65
Hartford	$786	$65
Chubb	$815	$68
Chubb	$840	$70
Kemper	$856	$71
National General	$884	$74
State Farm	$1,027	$86
Hartford	$1,030	$86
GEICO	$1,057	$88
GEICO	$1,093	$91
Progressive	$1,101	$92
Progressive	$1,107	$92
National General	$1,142	$95
Allstate	$1,150	$96
National General	$1,161	$97
Chubb	$1,171	$98
Mercury	$1,181	$98
Mercury	$1,206	$101
Allstate	$1,214	$101
Nationwide	$1,214	$101
GEICO	$1,262	$105
Nationwide	$1,317	$110
State Farm	$1,318	$110
Progressive	$1,328	$111
Allstate	$1,341	$112
CSAA	$1,354	$113
CSAA	$1,360	$113
Capital Insurance Group	$1,362	$114
National General	$1,390	$116
State National	$1,405	$117
Hartford	$1,427	$119
Capital Insurance Group	$1,442	$120
Travelers	$1,482	$123
CSAA	$1,504	$125
State National	$1,509	$126
Kemper	$1,521	$127
State Farm	$1,539	$128
Travelers	$1,557	$130
Mercury	$1,568	$131
Farmers	$1,624	$135
Capital Insurance Group	$1,625	$135
Hartford	$1,647	$137
Farmers	$1,657	$138
Nationwide	$1,710	$142
State National	$1,850	$154
Travelers	$1,855	$155
Kemper	$1,867	$156
Chubb	$1,941	$162
Farmers	$1,959	$163
Chubb	$2,002	$167
Hartford	$2,152	$179
Kemper	$2,273	$189
Chubb	$2,861	$238

For additional protection, you can opt for full coverage that includes collision and comprehensive insurance.

Collision Insurance: Pays for damages to your car from crashes with other vehicles or objects.
Comprehensive Insurance: Covers damages to your vehicle in the event of theft, animal damage or severe weather.

We recommend drivers with newer vehicles purchase full coverage to safeguard their investment. Full coverage may not be worth the added cost for drivers with older vehicles.

Cheapest Car Insurance in Modesto After a Driving Offense

Drivers with a traffic violation in Modesto can get the cheapest rates from the following insurers:

Speeding ticket: National General ($1,200 per year)
At-fault accident: Capital Insurance Group ($1,698 per year)
DUI: National General ($1,200 per year)

Drivers with speeding tickets, at-fault accidents and DUI offenses will get the cheapest rates from Chubb ($2,546 per year), Kemper ($3,336 per year) and Hartford ($6,075 per year), respectively. Having a poor driving record can significantly increase the cost of your insurance. Even a cheap provider for a driver with a violation will cost more than an average-priced provider for someone with a clean driving history.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$610	$51
CSAA	$610	$51
CSAA	$625	$52
CSAA	$625	$52
GEICO	$629	$52
Mercury	$633	$53
GEICO	$637	$53
Mercury	$650	$54
State Farm	$659	$55
CSAA	$667	$56
CSAA	$667	$56
State Farm	$689	$57
Capital Insurance Group	$736	$61
GEICO	$739	$62
Kemper	$743	$62
GEICO	$748	$62
GEICO	$751	$63
National General	$756	$63
National General	$756	$63
Capital Insurance Group	$762	$64
Capital Insurance Group	$772	$64
National General	$780	$65
National General	$780	$65
Mercury	$792	$66
Capital Insurance Group	$800	$67
Mercury	$803	$67
Mercury	$815	$68
Travelers	$829	$69
Travelers	$830	$69
Nationwide	$840	$70
Capital Insurance Group	$856	$71
Kemper	$858	$71
State Farm	$871	$73
Nationwide	$873	$73
GEICO	$882	$73
Mercury	$882	$74
Progressive	$883	$74
Capital Insurance Group	$899	$75
Allstate	$901	$75
Progressive	$903	$75
Mercury	$907	$76
State Farm	$909	$76
Allstate	$912	$76
Farmers	$915	$76
Farmers	$915	$76
State National	$918	$76
State National	$918	$76
Travelers	$922	$77
Travelers	$924	$77
Nationwide	$934	$78
National General	$934	$78
National General	$934	$78
Farmers	$939	$78
Farmers	$939	$78
State National	$946	$79
State National	$946	$79
Travelers	$956	$80
Nationwide	$971	$81
Progressive	$975	$81
Allstate	$985	$82
State Farm	$994	$83
Hartford	$994	$83
Hartford	$994	$83
Progressive	$1,001	$83
GEICO	$1,001	$83
Mercury	$1,004	$84
GEICO	$1,012	$84
Allstate	$1,037	$86
State Farm	$1,038	$87
Chubb	$1,051	$88
Allstate	$1,052	$88
Travelers	$1,062	$89
Progressive	$1,065	$89
Farmers	$1,068	$89
Farmers	$1,068	$89
Progressive	$1,073	$89
Chubb	$1,076	$90
National General	$1,078	$90
Nationwide	$1,103	$92
Progressive	$1,104	$92
National General	$1,111	$93
Travelers	$1,112	$93
Travelers	$1,114	$93
State National	$1,119	$93
State National	$1,119	$93
Mercury	$1,119	$93
Allstate	$1,136	$95
Kemper	$1,142	$95
Farmers	$1,143	$95
Capital Insurance Group	$1,155	$96
Hartford	$1,160	$97
Hartford	$1,160	$97
Farmers	$1,174	$98
Progressive	$1,181	$98
GEICO	$1,194	$99
Capital Insurance Group	$1,198	$100
National General	$1,200	$100
National General	$1,200	$100
National General	$1,221	$102
National General	$1,221	$102
Nationwide	$1,229	$102
Kemper	$1,262	$105
Kemper	$1,262	$105
Chubb	$1,278	$107
Travelers	$1,289	$107
Chubb	$1,303	$109
Progressive	$1,304	$109
Farmers	$1,334	$111
National General	$1,335	$111
Capital Insurance Group	$1,347	$112
State Farm	$1,357	$113
Chubb	$1,406	$117
National General	$1,461	$122
National General	$1,461	$122
Nationwide	$1,483	$124
State Farm	$1,523	$127
Kemper	$1,533	$128
Kemper	$1,533	$128
Nationwide	$1,543	$129
Hartford	$1,551	$129
Hartford	$1,551	$129
Mercury	$1,557	$130
Capital Insurance Group	$1,558	$130
GEICO	$1,585	$132
Mercury	$1,592	$133
State Farm	$1,596	$133
Capital Insurance Group	$1,602	$134
Chubb	$1,635	$136
GEICO	$1,638	$136
Capital Insurance Group	$1,653	$138
Chubb	$1,658	$138
State National	$1,662	$138
Allstate	$1,668	$139
Chubb	$1,682	$140
Capital Insurance Group	$1,698	$142
National General	$1,699	$142
CSAA	$1,699	$142
CSAA	$1,710	$143
CSAA	$1,710	$143
State National	$1,715	$143
CSAA	$1,715	$143
CSAA	$1,715	$143
National General	$1,728	$144
CSAA	$1,742	$145
Allstate	$1,767	$147
GEICO	$1,773	$148
State Farm	$1,793	$149
GEICO	$1,829	$152
CSAA	$1,861	$155
Allstate	$1,864	$155
Capital Insurance Group	$1,866	$156
Nationwide	$1,880	$157
GEICO	$1,892	$158
Allstate	$1,895	$158
CSAA	$1,899	$158
CSAA	$1,899	$158
Capital Insurance Group	$1,916	$160
Kemper	$1,941	$162
Kemper	$1,941	$162
Mercury	$1,946	$162
Allstate	$1,958	$163
State Farm	$1,958	$163
Nationwide	$1,959	$163
Mercury	$1,989	$166
State National	$1,999	$167
State National	$1,999	$167
Chubb	$2,013	$168
Kemper	$2,019	$168
State National	$2,039	$170
Nationwide	$2,041	$170
State Farm	$2,047	$171
State Farm	$2,049	$171
Allstate	$2,053	$171
Allstate	$2,066	$172
National General	$2,072	$173
Mercury	$2,076	$173
Progressive	$2,077	$173
Mercury	$2,086	$174
Progressive	$2,093	$174
Nationwide	$2,094	$175
GEICO	$2,116	$176
Mercury	$2,123	$177
Hartford	$2,136	$178
Hartford	$2,136	$178
State National	$2,147	$179
State National	$2,147	$179
Allstate	$2,198	$183
Farmers	$2,242	$187
Farmers	$2,242	$187
Travelers	$2,249	$187
Progressive	$2,270	$189
Nationwide	$2,275	$190
State Farm	$2,285	$190
Farmers	$2,290	$191
Farmers	$2,290	$191
Progressive	$2,291	$191
Travelers	$2,356	$196
State Farm	$2,392	$199
Hartford	$2,414	$201
Capital Insurance Group	$2,437	$203
Allstate	$2,446	$204
Hartford	$2,479	$207
Hartford	$2,479	$207
Kemper	$2,481	$207
Travelers	$2,502	$208
GEICO	$2,520	$210
Progressive	$2,522	$210
Chubb	$2,546	$212
Capital Insurance Group	$2,589	$216
Progressive	$2,594	$216
Mercury	$2,595	$216
GEICO	$2,604	$217
Chubb	$2,609	$217
Travelers	$2,614	$218
Progressive	$2,622	$218
State National	$2,637	$220
State National	$2,637	$220
Nationwide	$2,659	$222
Farmers	$2,708	$226
Farmers	$2,708	$226
Progressive	$2,760	$230
Mercury	$2,768	$231
Farmers	$2,802	$233
Travelers	$2,829	$236
Hartford	$2,858	$238
Farmers	$2,861	$238
Capital Insurance Group	$2,921	$243
Nationwide	$2,969	$247
GEICO	$3,011	$251
Kemper	$3,023	$252
Chubb	$3,134	$261
Travelers	$3,134	$261
Travelers	$3,148	$262
State Farm	$3,153	$263
Progressive	$3,158	$263
Chubb	$3,196	$266
Hartford	$3,267	$272
Hartford	$3,267	$272
Travelers	$3,291	$274
Nationwide	$3,328	$277
Kemper	$3,336	$278
Kemper	$3,336	$278
Farmers	$3,384	$282
Chubb	$3,467	$289
Nationwide	$3,621	$302
Allstate	$3,641	$303
State National	$3,726	$310
Allstate	$3,872	$323
Hartford	$3,917	$326
Travelers	$3,986	$332
State National	$4,009	$334
State Farm	$4,052	$338
Chubb	$4,053	$338
Chubb	$4,109	$342
Chubb	$4,173	$348
Kemper	$4,216	$351
Kemper	$4,216	$351
Allstate	$4,308	$359
State Farm	$4,726	$394
Nationwide	$4,741	$395
CSAA	$4,840	$403
CSAA	$4,856	$405
State National	$4,941	$412
Kemper	$5,006	$417
Kemper	$5,006	$417
Chubb	$5,032	$419
Hartford	$5,189	$432
CSAA	$5,385	$449
Hartford	$6,075	$506
Hartford	$8,139	$678

Car insurance rates typically increase in proportion to the severity of the driving offense. For instance, drivers in Modesto with a DUI offense pay an average of $1,423 more per year for car insurance than those with speeding tickets. Although a driving violation will increase the cost of your insurance, you can still find relatively cheap car insurance with a bad driving record.

Cheapest Car Insurance in Modesto for Teens and Their Families

Families that add a 16-year-old driver to their policy will get the cheapest rates from the following insurers:

State Farm: $3,033 per year for male and female teens
Farmers: $3,061 per year for male and female teens

Nationwide is the most expensive provider, costing approximately $4,816 per year. While not the case in Modesto, insurers typically charge male teens more for car insurance than female teens, as they consider the former riskier to insure. However, this cost discrepancy tends to decrease as teens approach adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,392	$2,236
GEICO	$1,425	$2,289
GEICO	$1,427	$2,521
GEICO	$1,443	$2,405
GEICO	$1,460	$2,345
GEICO	$1,467	$2,592
GEICO	$1,488	$2,738
GEICO	$1,507	$2,662
GEICO	$1,653	$2,470
Nationwide	$1,674	$3,468
Nationwide	$1,674	$3,468
GEICO	$1,707	$2,821
Progressive	$1,724	$2,766
Progressive	$1,724	$2,766
Allstate	$1,787	$2,897
Allstate	$1,787	$2,897
Capital Insurance Group	$1,815	$2,328
Capital Insurance Group	$1,815	$2,328
Nationwide	$1,836	$3,803
Nationwide	$1,836	$3,803
Progressive	$1,866	$2,994
Progressive	$1,866	$2,994
Allstate	$1,870	$3,033
Allstate	$1,870	$3,033
Nationwide	$1,894	$4,350
Nationwide	$1,894	$4,350
Allstate	$1,918	$3,369
Allstate	$1,918	$3,369
Allstate	$1,938	$3,142
Allstate	$1,938	$3,142
Nationwide	$1,968	$4,076
Nationwide	$1,968	$4,076
Kemper	$1,990	$3,990
Kemper	$1,990	$3,990
Progressive	$1,997	$3,700
Progressive	$1,997	$3,700
Allstate	$2,056	$3,385
Allstate	$2,056	$3,385
Capital Insurance Group	$2,067	$2,757
Capital Insurance Group	$2,067	$2,757
Progressive	$2,091	$3,355
Progressive	$2,091	$3,355
State Farm	$2,094	$3,072
State Farm	$2,094	$3,072
Farmers	$2,096	$2,995
Farmers	$2,096	$2,995
Kemper	$2,101	$4,213
Kemper	$2,101	$4,213
GEICO	$2,127	$3,590
Capital Insurance Group	$2,150	$2,757
Capital Insurance Group	$2,150	$2,757
Capital Insurance Group	$2,150	$2,757
Capital Insurance Group	$2,150	$2,757
State Farm	$2,179	$3,195
State Farm	$2,179	$3,195
GEICO	$2,211	$4,141
Kemper	$2,212	$4,954
Kemper	$2,212	$4,954
State Farm	$2,216	$3,467
State Farm	$2,216	$3,467
Nationwide	$2,217	$4,768
Nationwide	$2,217	$4,768
State Farm	$2,229	$3,269
State Farm	$2,229	$3,269
Travelers	$2,251	$3,068
Travelers	$2,251	$3,068
Kemper	$2,285	$4,583
Kemper	$2,285	$4,583
GEICO	$2,327	$3,477
Travelers	$2,331	$3,176
Travelers	$2,331	$3,176
Farmers	$2,348	$3,473
Farmers	$2,348	$3,473
Allstate	$2,358	$4,314
Allstate	$2,358	$4,314
State Farm	$2,375	$3,534
State Farm	$2,375	$3,534
Travelers	$2,378	$3,409
Travelers	$2,378	$3,409
Allstate	$2,397	$3,945
Allstate	$2,397	$3,945
Capital Insurance Group	$2,400	$3,102
Capital Insurance Group	$2,400	$3,102
GEICO	$2,419	$3,997
Travelers	$2,429	$3,310
Travelers	$2,429	$3,310
Farmers	$2,432	$3,473
Farmers	$2,432	$3,473
Farmers	$2,432	$3,473
Farmers	$2,432	$3,473
Progressive	$2,476	$4,058
Progressive	$2,476	$4,058
Capital Insurance Group	$2,488	$3,102
Capital Insurance Group	$2,488	$3,102
State Farm	$2,521	$3,935
State Farm	$2,521	$3,935
State Farm	$2,544	$3,786
State Farm	$2,544	$3,786
Kemper	$2,562	$5,252
Kemper	$2,562	$5,252
Farmers	$2,626	$3,983
Farmers	$2,626	$3,983
Travelers	$2,653	$3,578
Travelers	$2,653	$3,578
Capital Insurance Group	$2,665	$3,444
Capital Insurance Group	$2,665	$3,444
Nationwide	$2,732	$6,591
Nationwide	$2,732	$6,591
Kemper	$2,775	$5,689
Kemper	$2,775	$5,689
Kemper	$2,799	$6,273
Kemper	$2,799	$6,273
State Farm	$2,802	$4,990
State Farm	$2,802	$4,990
Farmers	$2,838	$4,587
Farmers	$2,838	$4,587
Farmers	$2,864	$4,344
Farmers	$2,864	$4,344
Travelers	$2,879	$4,128
Travelers	$2,879	$4,128
Nationwide	$2,914	$6,267
Nationwide	$2,914	$6,267
Travelers	$2,924	$3,943
Travelers	$2,924	$3,943
GEICO	$2,938	$5,192
State Farm	$2,970	$5,291
State Farm	$2,970	$5,291
Farmers	$2,988	$5,910
Farmers	$2,988	$5,910
State Farm	$3,033	$5,928
State Farm	$3,033	$5,928
Farmers	$3,061	$6,181
Farmers	$3,061	$6,181
Farmers	$3,071	$6,074
Farmers	$3,071	$6,074
GEICO	$3,080	$6,035
Progressive	$3,087	$5,743
Progressive	$3,087	$5,743
Allstate	$3,146	$6,203
Allstate	$3,146	$6,203
GEICO	$3,150	$5,797
GEICO	$3,231	$5,709
Allstate	$3,258	$6,535
Allstate	$3,258	$6,535
Progressive	$3,281	$5,377
Progressive	$3,281	$5,377
Allstate	$3,314	$6,535
Allstate	$3,314	$6,535
GEICO	$3,321	$6,822
GEICO	$3,401	$6,663
Capital Insurance Group	$3,420	$4,262
Capital Insurance Group	$3,420	$4,262
Capital Insurance Group	$3,420	$4,262
Capital Insurance Group	$3,420	$4,262
Capital Insurance Group	$3,420	$4,262
Capital Insurance Group	$3,420	$4,262
Progressive	$3,563	$7,301
Progressive	$3,563	$7,301
Progressive	$3,586	$7,366
Progressive	$3,586	$7,366
Progressive	$3,600	$7,377
Progressive	$3,600	$7,377
Travelers	$3,848	$5,205
Travelers	$3,848	$5,205
Travelers	$4,020	$5,437
Travelers	$4,020	$5,437
Travelers	$4,029	$5,706
Travelers	$4,029	$5,706
Nationwide	$4,150	$8,911
Nationwide	$4,150	$8,911
Kemper	$4,222	$8,565
Kemper	$4,222	$8,565
Kemper	$4,625	$9,383
Kemper	$4,625	$9,383
Nationwide	$4,667	$10,019
Nationwide	$4,667	$10,019
Kemper	$4,667	$10,459
Kemper	$4,667	$10,459
Nationwide	$4,816	$12,093
Nationwide	$4,816	$12,093

Teen drivers can save money by joining a family plan instead of purchasing an individual policy. In Modesto, a 16-year-old male can save approximately $673 per year by joining a family policy. Compare providers for their rates and discount opportunities to find the cheapest car insurance for teens.

Cheapest Car Insurance in Modesto for Military Drivers

The following insurers offer the cheapest rates for military-affiliated drivers in Modesto:

USAA: $923 per year
GEICO: $1,093 per year

These rates are for a full coverage policy. Drivers who are interested in the cheapest auto insurance for military personnel can get minimum coverage policies with USAA at $401 per year or GEICO at $418 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$401	$33
USAA	$401	$33
GEICO	$414	$34
GEICO	$418	$35
State Farm	$434	$36
USAA	$485	$40
Progressive	$490	$41
CSAA	$492	$41
GEICO	$492	$41
Mercury	$492	$41
Progressive	$499	$42
CSAA	$503	$42
Mercury	$506	$42
CSAA	$536	$45
Travelers	$540	$45
Travelers	$542	$45
Nationwide	$544	$45
Kemper	$560	$47
Nationwide	$565	$47
State Farm	$572	$48
Progressive	$584	$49
Travelers	$617	$51
Mercury	$620	$52
Kemper	$645	$54
Allstate	$647	$54
State National	$647	$54
Allstate	$653	$54
State Farm	$655	$55
Capital Insurance Group	$664	$55
State National	$666	$56
Farmers	$670	$56
Hartford	$682	$57
Capital Insurance Group	$688	$57
Farmers	$688	$57
Allstate	$702	$59
Nationwide	$710	$59
National General	$715	$60
National General	$738	$61
Capital Insurance Group	$771	$64
Farmers	$781	$65
State National	$785	$65
Hartford	$786	$65
Chubb	$815	$68
Chubb	$840	$70
Kemper	$856	$71
National General	$884	$74
USAA	$901	$75
USAA	$923	$77
State Farm	$1,027	$86
Hartford	$1,030	$86
GEICO	$1,057	$88
GEICO	$1,093	$91
Progressive	$1,101	$92
USAA	$1,105	$92
Progressive	$1,107	$92
National General	$1,142	$95
Allstate	$1,150	$96
National General	$1,161	$97
Chubb	$1,171	$98
Mercury	$1,181	$98
Mercury	$1,206	$101
Allstate	$1,214	$101
Nationwide	$1,214	$101
GEICO	$1,262	$105
Nationwide	$1,317	$110
State Farm	$1,318	$110
Progressive	$1,328	$111
Allstate	$1,341	$112
CSAA	$1,354	$113
CSAA	$1,360	$113
Capital Insurance Group	$1,362	$114
National General	$1,390	$116
State National	$1,405	$117
Hartford	$1,427	$119
Capital Insurance Group	$1,442	$120
Travelers	$1,482	$123
CSAA	$1,504	$125
State National	$1,509	$126
Kemper	$1,521	$127
State Farm	$1,539	$128
Travelers	$1,557	$130
Mercury	$1,568	$131
Farmers	$1,624	$135
Capital Insurance Group	$1,625	$135
Hartford	$1,647	$137
Farmers	$1,657	$138
Nationwide	$1,710	$142
State National	$1,850	$154
Travelers	$1,855	$155
Kemper	$1,867	$156
Chubb	$1,941	$162
Farmers	$1,959	$163
Chubb	$2,002	$167
Hartford	$2,152	$179
Kemper	$2,273	$189
Chubb	$2,861	$238

How to Compare Cheap Modesto Car Insurance Quotes Online

It can take up to 15 minutes to input the personal information required for a single car insurance quote. When comparing rates from multiple providers, this time adds up. MoneyGeek’s car insurance calculator allows you to easily estimate your rate using only your vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Modesto: Summary

The best auto insurer for you will vary based on how much you value affordability, customer satisfaction and coverage options. The following insurers are the best options for each respective category:

Best overall: GEICO (MoneyGeek score of 75 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s MoneyGeek score may vary based on how factors were weighted in that category. While GEICO is the best insurer in the city, CSAA is the best car insurance company in California. Drivers with a military background may consider USAA for their needs, as the insurer received a high MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Modesto

The following insurers are the best overall providers for full coverage policies in Modesto:

GEICO: MoneyGeek score of 75 out of 100 ($1,093 per year)
Progressive: MoneyGeek score of 74 out of 100 ($1,101 per year)

Compared to the 14 providers ranked in our study, GEICO has the least expensive rates and fifth-highest scores for customer service. With a MoneyGeek score of 85 out of 100, USAA is another great option for military drivers.

How was this MoneyGeek score calculated?

pros

Has the cheapest premiums at $1,093 per year

Ranks fifth-highest in customer service

Offers Mechanical Breakdown Insurance (MBI), a unique add-on option

cons

Has a relatively low claims management rating

Offers few add-on coverage options

COMPANY HIGHLIGHTS

GEICO has the best balance of customer service and cost. Although it only offers a few coverage options, the ones available apply to most drivers.

GEICO offers Mechanical Breakdown Insurance (MBI), a more cost-effective option than a standard dealer-extended warranty. Instead of only covering certain features, MBI covers all parts and systems in your vehicle. Drivers with new or leased cars less than 15 months old and with fewer than 15,000 miles are eligible for this add-on option. Securing MBI coverage can save you from paying expensive repair bills.

Drivers can also get common coverages with GEICO, a small cost to pay for peace of mind if you get in an accident or your vehicle breaks down. Roadside assistance covers the cost of flat tires, towing and locksmith services, whereas rental car and/or travel reimbursement pays for a rental car if your car is being repaired after a covered loss.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Modesto for Customer Service

For this category, we excluded affordability to select the best auto insurance companies based primarily on customer service. Our picks are:

Chubb: MoneyGeek score of 76 out of 100 ($1,941 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,442 per year)

Chubb has the highest rating for claims management and the second-highest rating for customer satisfaction. However, it’s the most expensive provider in our comparison group of insurers.

How was this MoneyGeek score calculated?

pros

Has the highest claims management rating

Has the second-best customer satisfaction score

Offers original equipment manufacturer (OEM) coverage

cons

Has few add-on coverage options

Doesn’t provide roadside assistance

COMPANY HIGHLIGHTS

Chubb offers outstanding customer satisfaction and processes claims efficiently, guaranteeing that policyholders will have a great experience. Chubb also provides original equipment manufacturer (OEM) coverage, a rare add-on coverage that virtually all drivers can use.

Drivers that value using original parts to maintain their vehicle will prefer OEM coverage, which covers the cost to replace any damaged parts with ones from the original manufacturer. Chubb’s diminished value coverage, also known as agreed value coverage, can save you thousands of dollars if your car is ever declared a total loss.

To get this add-on coverage, you and Chubb must agree on your vehicle’s value when you purchase a policy. Rental car and/or travel reimbursement coverage is a great option for drivers who frequently travel. It covers the cost of a rental vehicle up to $5,000 with no daily limit.

Best Cheap Car Insurance in Modesto

The following insurers offer the best policies for the minimum coverage limits required in Modesto:

GEICO: MoneyGeek score of 78 out of 100 ($418 per year)
Progressive: MoneyGeek of score 70 out of 100 ($490 per year)

Although cheaper, minimum coverage policies may not provide sufficient protection if you get in an accident. These policies feature lower liability limits and don’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $418 per year

Offers discounts for bundling and installing anti-theft systems and anti-lock brakes

cons

Has a below-average claims processing score

Does not offer a pay-in-full discount

COMPANY HIGHLIGHTS

GEICO provides the cheapest auto insurance rates for minimum coverage at roughly $418 per year. It also has the fifth-best rating for customer satisfaction. Not including discounts, a GEICO policy costs around $35 per month.

You can get common discounts with GEICO when you bundle your home and auto insurance, are accident-free for more than five years or insure multiple vehicles. Drivers can also save when they install airbags, anti-lock brakes and an anti-theft system. It’s possible to also get a discount for completing a defensive driving course or a driver’s education course. GEICO even offers unique discounts, including one for installing daytime running lights and using your seat belt frequently.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Modesto

As of October 2022, a full coverage policy in Modesto costs an average of $1,401 per year, which is $14 less than the average cost of auto insurance in California at $1,387 per year. Modesto rates are around $136 cheaper than the national average of $1,265 per year.

The above estimates reflect a full coverage policy that has $100,000 in bodily injury liability per person and $300,000 in bodily injury liability per accident. This also includes $100,000 in property damage liability for each accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Modesto, CA

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in Modesto

Cheapest Full Coverage Car Insurance in Modesto

Cheapest Car Insurance in Modesto After a Driving Offense

Cheapest Car Insurance in Modesto for Teens and Their Families

Cheapest Car Insurance in Modesto for Military Drivers

How to Compare Cheap Modesto Car Insurance Quotes Online

Best Car Insurance in Modesto: Summary

Best Overall Car Insurance in Modesto

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Modesto for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Modesto

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Modesto