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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceModesto
2023

Cheapest and Best Car Insurance in Modesto, CA

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.

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.

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.

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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.

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.

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.

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.

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.