Car insurance premiums are never static because they’re based on many different factors such as age, gender, driving record and location, among others. If you’re looking for car insurance in Modesto, it’s important to get a personalized quote so you can get the most accurate insurance rates based on your profile.
Compare the Cheapest Car Insurance Quotes in Modesto, CA
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Average Cost of Car Insurance in Modesto
Aside from being influenced by specific factors in your personal profile, car insurance rates also vary across locations. Average car insurance rates in Modesto are cheaper than both the state at $1,429 and national averages at $1,424.
Drivers in Modesto should expect to pay roughly 7.6% less for car insurance than others do in California. Compared to the rest of the country, Modesto residents generally pay 7.3% less for car insurance at $1,320. Though these may not look like significant amounts, every single dollar saved definitely counts.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Modesto
If you are looking for cheap car insurance in Modesto, then you’ll want to compare prices from several companies. On average, the most affordable company is Progressive. The most expensive, on the other hand, is Travelers. You can expect a 65.5% average difference in prices between these two companies.
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Personalized Quotes to Get You the Cheapest Car Insurance in Modesto
Car insurance companies in Modesto will also look at specific factors when computing your insurance premium. Some of these factors include ZIP code, moving violations, car make and model and coverage level, among others. The more high-risk your profile, the higher premium you’ll need to pay.
Drivers with no offenses, plenty of experience and a favorable location should expect cheaper quotes. Since some of these factors change over time, make sure you get regular quotes for comparison. You may even find out that you qualify for discounts or rebates.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Modesto by Coverage Amount
How much car insurance coverage you purchase in Modesto also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
The three numbers (for example, 50/100/50) in your car insurance plan stand for the limits of your policy: per person injury, per vehicle injury and property damage liability. You may opt to get the state minimum or increase the coverage for greater protection. Take note, however, that liability-only coverage only covers damage to the other driver(s).
You may also opt to get full coverage, which provides a higher level of protection, including covering your own expenses. For car insurance in Modesto, differences between state minimum and 50/100/50 full-coverage policies range from less than $300 to nearly $700, depending on which company you choose. If you can afford the difference, getting full coverage can give you more peace of mind.
Average Car Insurance Premiums by Coverage Type
Liability Only
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Progressive$909$995
- 2. Esurance$953$997
- 3. USAA$1,051$1,118
- 4. GEICO$1,077$1,185
- 5. CSAA$1,201$1,268
- 6. Mercury$1,228$1,321
- 7. MetLife$1,181$1,272
- 8. Allstate$1,199$1,273
- 9. State Farm$1,263$1,405
- 10. Hartford$1,326$1,434
- 11. Farmers$1,376$1,479
- 12. Travelers$1,536$1,646
- 13. Allied$1,442$1,563
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Modesto if You Have Tickets
Car insurance costs more for people with violations. In Modesto, Esurance policyholders with no violations pay an average of $997 per year, but a speeding ticket increases the average rate by $265. Meanwhile, an at-fault accident bumps up your costs by an average of $565, and a DUI will add roughly $1,480. Make sure to keep your record clean if you want to score cheap car insurance in Modesto.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Esurance$1,262$1,562$2,477
- 2. Progressive$1,893$2,058$2,362
- 3. USAA$1,222$1,952$3,163
- 4. Mercury$1,731$2,300$2,168
- 5. GEICO$1,749$1,997$2,780
- 6. Farmers$2,030$2,537$2,537
- 7. CSAA$1,591$1,591$4,524
- 8. Allstate$1,797$2,265$4,011
- 9. State Farm$2,071$2,157$4,321
- 10. Allied$2,189$2,513$3,775
- 11. Travelers$2,453$2,716$3,404
- 12. Hartford$2,251$3,162$5,288
- 13. MetLife$1,650$2,142$7,994
Average Cost of Car Insurance by Postal Code
For many cities in the United States, car insurance prices can fluctuate by hundreds of dollars depending on the driver’s ZIP code. However, this is not the case for Modesto. The difference between the most and least expensive ZIP codes in the city is $22.
- Zip CodeState Minimumper year
- 95350$1,309
- 95355$1,331
Top Agents Offering Affordable Car Insurance in Modesto
Insurance Providers That Serve Modesto
Factors That Impact Insurance Costs in Modesto
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Modesto. How Modesto ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Modesto could save you $325, which is enough to buy:
Methodology and Assumptions
MoneyGeek’s average premium rates for Modesto are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.