Our rankings of the best home insurance in Modesto place State Farm at the top with a MoneyGeek score of 4.6 out of 5. It offers reliable local agent support and competitive rates at $67 monthly. USAA earned the highest score at 4.9 for military families and veterans, but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. USAA, Chubb, Farmers and Nationwide complete our top five.
Best Cheap Home Insurance in Modesto, California
Updated: February 24, 2026
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Compare the Best Home Insurance Companies in Modesto
| State Farm | 4.61 | $67 |
| USAA | 4.9 | $93 |
| Chubb | 4.59 | $115 |
| Farmers | 4.41 | $91 |
| Nationwide | 4.31 | $80 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Modesto Homeowners Insurance
State Farm
Best for Modesto Homeowners
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.1/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$67Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$93Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
Chubb
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.5/5Customer Experience
4.6/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$115Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Modesto Home Insurance Cost?
Modesto homeowners pay an average of $105 monthly for home insurance with $250,000 in dwelling coverage, $125,000 in personal property and $200,000 in liability, versus the state average of $129. Your rate varies based on your home's age, construction materials, wildfire proximity and deductible choice.
Wildfire risk from dry vegetation and seasonal winds drives up Modesto's insurance costs, along with flood exposure from nearby rivers during heavy rainfall periods. These environmental factors increase premiums because insurers have higher claim risks in the region.
| $100K Dwelling / $50K Personal Property / $100K Liability | $57 | $683 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $105 | $1,255 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $185 | $2,218 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $275 | $3,303 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $367 | $4,402 |
Who Has the Cheapest Home Insurance in Modesto?
State Farm offers the lowest home insurance rates in Modesto at $67 monthly, which saves homeowners 36% compared to the city's $105 average. Progressive ranks second for affordability at $78 per month, providing a 25% discount from the usual premiums.
| State Farm | $67 | -36% |
| Progressive | $78 | -25% |
| Nationwide | $80 | -23% |
| Capital Insurance Group | $87 | -17% |
| Farmers | $91 | -13% |
COMPARE COVERAGE, NOT JUST COST
Adequate protection should be your priority as a Modesto homeowner, not just finding the cheapest rates. Look at coverage limits, deductibles and satisfaction ratings along with premiums so you get the protection you need. Find out about top providers in our best homeowners insurance companies in California review.
How to Get the Best Cheap Home Insurance in Modesto
Homeowners in Modesto need to balance affordability with coverage that protects against local risks.
Compare quotes from multiple insurers
Since rates vary widely among companies, you'll want quotes from at least three insurers. Average premiums range from $67 to $115 monthly among top-rated Modesto insurers, making comparison shopping important for finding affordable coverage.
Bundle home and auto policies
Combining your home and auto insurance can save you 10% to 25% with most Modesto insurers. Companies such as Allstate and State Farm offer substantial multi-policy discounts that reduce your overall insurance costs.
Upgrade your home’s safety features
Adding smoke detectors, monitored security systems, fire sprinklers and storm shutters can earn you discounts of 5% to 20%. The specific discount depends on which safety improvements you choose to install.
Best Home Insurance in Modesto: Bottom Line
Modesto's home insurance costs average $105 per month, and rates range from $67 to $115 across leading insurers, depending on coverage needs. State Farm offers good service, and it has the cheapest home insurance rates at $67.
Modesto Home Insurance: FAQ
Modesto homeowners frequently ask about what coverage they need and how to lower costs.
Does home insurance cover wind damage in Modesto?
Yes, wind damage from Modesto's storms is covered under standard home insurance. Wind damage to your roof, siding, windows and other structures is covered, after you pay your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. Modesto homeowners near Tuolumne River near Modesto or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Modesto?
California doesn't legally require home insurance, but lenders require coverage until you've paid off your mortgage. Even without a mortgage, homeowners should keep insurance to protect against financial losses from flooding from heavy rainfall, wildfires in nearby areas and other risks common in the Modesto area.
What discounts are available for Modesto homeowners?
Multiple savings methods are available for Modesto homeowners including bundling home and auto policies for 10% to 25% off, installing security systems (5% to 15% discount), upgrading to fire-resistant roofing materials (up to 20% savings), and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Modesto
We analyzed premium data from Quadrant Information Services for 10 major insurers serving California, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Modesto homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits and higher deductibles of $2,500 or $5,000 to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.