bestauto insuranceModesto2022Compare the Cheapest Car Insurance Quotes in Modesto, CA
Auto insurance prices in Modesto average $1,320 per year, $109 cheaper than California’s statewide average. The most affordable insurer in the city, Progressive, has an average rate of $995. To help you find a rate fitting your needs, MoneyGeek analyzed insurance rates by coverage amount and driving profile. MoneyGeek also ranked the best companies in Modesto based on affordability and quality.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 12/8/2022
Edited By |
Lilian Mironga
Written By |
Mark Fitzpatrick
Progressive offers the cheapest average full coverage and minimum liability car insurance in Modesto, but your profile and coverage decide the best for you. With a ticket, Esurance is the lowest. USAA is an affordable insurer if you have a military background. MoneyGeek determined AAA is the best insurer in Modesto for balancing quality service and affordability.
bestauto insuranceModesto2022The Cheapest and Best Car Insurance in Modesto
The Cheapest Car Insurance Companies in Modesto
In Modesto, the most affordable car insurers, on average, for a full coverage policy are:
- Progressive: $995 per year
- Esurance: $997 per year
USAA offers active military and veterans a good price of $1,118 annually.
Travelers is the most expensive for a full coverage policy at $1,646 yearly, which is 39% more than the cheapest option in Modesto, Progressive.
A full coverage policy includes comprehensive and collision coverage to protect you from damage to your car. The cost of your policy depends on the level of liability coverage you choose.
Cheapest Car Insurance in Modesto
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$995
- 2.$997
- 3.$1,118
- 4.$1,185
- 5.CSAA$1,268
MoneyGeek’s rates are based on the profile of a 40-year-old male driver in Modesto with a full coverage policy, as our methodology states.
In Modesto, you pay more for a full coverage policy since it includes collision and comprehensive coverage; minimum coverage insurance only has liability.
- Collision coverage: compensates if you hit another vehicle or stationary object
- Comprehensive coverage: compensates in case your car is damaged due to risks, such as vandalism
For drivers with older cars, a full coverage policy may not be best if it costs more than the car’s value. Opting for minimum liability insurance may be a better choice.
Compare Car Insurance Rates in Modesto
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Modesto for Minimum Coverage
Whether in Modesto or elsewhere, your annual premiums are affected by the amount of coverage you buy. A state minimum liability-only policy typically costs $629, whereas the cost of a full coverage policy averages around $1,320 per year. That is a difference of approximately $691.
Cheapest Minimum Liability Car Insurance in Modesto
State Minimum
- CompanyState Minimumper year
- 1.$436
- 2.$472
- 3.$501
- 4.CSAA$516
- 5.$557
When you purchase a state minimum coverage policy in Modesto, you get the cheapest rate and minimum liability requirements set by California, 15/30/5, plus uninsured motorist coverage. Although your monthly premiums are lower, you risk high out-of-pocket costs if you cause an accident.
For example, if you cause an accident resulting in property damage of $20,000 and your policy covers $5,000, you have to pay $15,000.
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.
Cheapest Car Insurance in Modesto if You Have Driving Violations
Drivers with violations, such as tickets, DUIs and at-fault accidents, pay more for car insurance in Modesto. For those with violations, the following, on average, are the most affordable car insurance companies in Modesto:
- Cheapest after a ticket: Esurance, $1,262 per year
- Cheapest after an at-fault accident: Esurance, $1,562 per year
- Cheapest after a DUI: Mercury, $2,168 per year
If you have a military background and a ticket, USAA is the cheapest option at around $1,222 annually.
Car insurance rates typically decrease as you improve your driving record. Until then, it’s important to shop around and compare quotes to find the best insurers after a violation.
Cheapest Car Insurance in Modesto With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,222
- 2.$1,262
- 3.CSAA$1,591
- 4.$1,650
- 5.$1,731
Average Cost of Car Insurance in Modesto
Modesto$1,320
California$1,429
U.S.$1,424
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 with 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.
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.
Compare Car Insurance Rates in Modesto
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Modesto
MoneyGeek determined the best auto insurance companies in Modesto by analyzing average costs, user satisfaction scores and claims ratings.
Based on the findings, the top two best insurers in Modesto are:
- AAA: MoneyGeek score of 88.8 out of 100
- Esurance: MoneyGeek score of 88 out of 100
USAA had a MoneyGeek score of 85.4 out of 100. However, it was excluded from the analysis because its policies are only available to eligible military members and their families.
1
AAA
Score:100
AAA's full coverage policy has an average annual cost of $1,268. The insurer has the highest claims rating and ranks high for user satisfaction. Apart from standard coverage, you may also purchase identity theft coverage.
More About AAA
AAA policyholders get identity theft coverage as part of their membership. This add-on covers identity theft monitoring costs. Modesto drivers may also purchase roadside assistance to cover the cost of fuel delivery, flat tire replacement, battery jumpstart and replacement services and trip continuation costs. Another option is AAA's rental car and/or travel reimbursement coverage that caters to car rental costs and public transportation if your vehicle is not drivable after damage.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:100
According to our analysis, Esurance offers the second-best auto insurance in Modesto. It ranks first for affordability — a full coverage policy costs $997 annually. The insurer has the second-highest customer satisfaction score but ranks below four out of five for claims. Part of its unique insurance options includes custom parts coverage.
More About Esurance
Esurance provides custom parts and equipment coverage to protect your car from aftermarket upgrades. It covers sound systems, custom grills, exhaust systems and other parts not included in your standard comprehensive and collision coverage. Policyholders in Modesto may also purchase ShareSmart, a rideshare insurance coverage that eliminates car insurance policy gaps for drivers working in a rideshare company. Gap insurance is also available to cover 25% more than the cash value of your car after a loan or lease.
Read MoneyGeek's Esurance auto Insurance ReviewAverage 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
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.
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