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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 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.

Compare Car Insurance Rates in Modesto

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

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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Company
Amountper year
1. Progressive
In 2021, Progressive ranked #1 in Modesto for the cheapest car insurance for the average driver.
$995
2. Esurance
In 2021, Esurance ranked #2 in Modesto for the cheapest car insurance for the average driver.
$997
3. USAA
In 2021, USAA ranked #3 in Modesto for the cheapest car insurance for the average driver.
$1,118
4. GEICO
In 2021, GEICO ranked #4 in Modesto for the cheapest car insurance for the average driver.
$1,185
5. CSAA
In 2021, CSAA ranked #5 in Modesto for the cheapest car insurance for the average driver.
$1,268
6. MetLife
In 2021, MetLife ranked #6 in Modesto for the cheapest car insurance for the average driver.
$1,272
7. Allstate
In 2021, Allstate ranked #7 in Modesto for the cheapest car insurance for the average driver.
$1,273
8. Mercury
In 2021, Mercury ranked #8 in Modesto for the cheapest car insurance for the average driver.
$1,321
9. State Farm
In 2021, State Farm ranked #9 in Modesto for the cheapest car insurance for the average driver.
$1,405
10. Hartford
In 2021, Hartford ranked #10 in Modesto for the cheapest car insurance for the average driver.
$1,434
11. Farmers
In 2021, Farmers ranked #11 in Modesto for the cheapest car insurance for the average driver.
$1,479
12. Allied
In 2021, Allied ranked #12 in Modesto for the cheapest car insurance for the average driver.
$1,563
13. Travelers
In 2021, Travelers ranked #13 in Modesto for the cheapest car insurance for the average driver.
$1,646

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.

Insurance Rates

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
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$436$600
2. Esurance$562$670
3. USAA$472$611
4. GEICO$501$688
5. CSAA$516$665
6. Mercury$557$767
7. MetLife$669$907
8. Allstate$737$851
9. State Farm$691$925
10. Hartford$718$914
11. Farmers$783$918
12. Travelers$629$866
13. Allied$755$972
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
Compare Car Insurance Rates in Modesto

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

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
iconribbontop ratedCar Insurance agentsModesto2021

Top Agents Offering Affordable Car Insurance in Modesto

1. TopFlight Insurance Services901 N Carpenter Rd, Ste 37, Modesto, CA, 95351
23 ratings
2. Allstate Insurance: David Ngo3330 Mchenry Ave, Modesto, CA, 95350
18 ratings
3. Wylie Insurance1729 Tully Rd, Ste 6B, Modesto, CA, 95350
6 ratings
4. The Source Auto Insurance Agency822 9th St, Ste 1, Modesto, CA, 95354
6 ratings
5. Toste Insurance Services3501 Coffee Rd, Modesto, CA, 95355
6 ratings

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 accident 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.

accident2 icon
Most Accidents With Fatalities38th/300
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Most Car Thefts301st/300
uninsured icon
Most Uninsured Motorists by State12th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall245th/300
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Most Rainy Days235th/300

Shopping around for car insurance in Modesto could save you $325, which is enough to buy:


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108Cups of Coffee
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25Months of Your Favorite Streaming Service

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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Modesto

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates