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.
Compare the Cheapest Car Insurance Quotes in Modesto, CA
The Cheapest and Best Car Insurance in Modesto
The Cheapest Car Insurance Companies in Modesto
For a full coverage policy in Modesto, the most affordable insurance providers are:
- Progressive: $995 per year
- Esurance: $997 per year
The prices in this study are average rates for a 40-year-old male driver with a full coverage policy, which includes liability insurance as well as comprehensive and collision insurance.
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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.
The Best Car Insurance Companies in Modesto
If you are looking for Modesto auto insurance providers that balance affordability and quality, MoneyGeek ranked the best insurers in the city. Based on MoneyGeek’s study, the best car insurers in Modesto for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Modesto by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek rated auto insurance carriers in Modesto based on multiple categories, including J.D. Power’s user satisfaction, affordability and financial stability ratings.
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.
Shopping around for car insurance in Modesto could save you $325, which is enough to buy:
Cheapest Car Insurance in Modesto by Coverage Amount
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, while the cost of a full coverage policy averages around $1,320 per year. That is a difference of approximately $690.
California Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Modesto if You Have Driving Violations
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
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
Top Agents Offering Affordable Car Insurance in 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.
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.
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