Compare Modesto, CA Car Insurance Rates (2021)

Car insurance in Modesto, CA averages $316 a month. Modesto, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Modesto car insurance rates, compare quotes from the top car insurance companies in Modesto, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Modesto for teen drivers is USAA
  • Average car insurance rates in Modesto, CA are $3,798/year
  • The cheapest car insurance company in Modesto is Progressive

If you need to buy Modesto, California car insurance, the options can be confusing. Everything you need to know about car insurance in Modesto, CA is right here.

You’ll find Modesto car insurance rates, the cheapest Modesto, CA car insurance companies, and information on California car insurance laws. You can also compare Modesto, California car insurance rates to Long Beach car insurance rates, Los Angeles car insurance rates, and Bakersfield car insurance rates.

Ready to find affordable Modesto, CA car insurance today? Enter your ZIP code for fast, free Modesto car insurance quotes.

Cheapest Modesto, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Modesto, CA car insurance rates? Every Modesto, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Modesto, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,952 $2,957 $2,144 $2,166 $8,107 $10,197 $3,773 $4,150
Farmers $2,994 $2,994 $2,699 $2,699 $9,556 $15,661 $3,548 $3,951
GEICO $1,749 $1,750 $1,646 $1,646 $5,315 $5,397 $2,511 $2,563
Liberty Mutual $2,404 $2,275 $2,232 $2,162 $5,231 $5,570 $2,710 $2,736
Nationwide $3,193 $3,047 $2,810 $2,647 $8,119 $8,978 $3,809 $3,753
Progressive $1,631 $1,679 $1,388 $1,646 $4,342 $5,228 $2,346 $2,521
State Farm $3,753 $3,753 $3,352 $3,352 $6,913 $8,575 $4,156 $4,285
Travelers $2,620 $2,537 $2,315 $2,290 $5,437 $6,251 $3,426 $3,349
USAA $1,924 $1,824 $1,872 $1,881 $4,403 $4,428 $2,659 $2,516

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Minimum Car Insurance in Modesto, CA

Every driver must carry the minimum car insurance in Modesto, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Modesto, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Modesto, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Modesto, CA to rates for a clean record with top companies.

Annual Modesto, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,743 $4,613 $7,266 $3,600
Farmers $4,076 $5,549 $6,914 $5,511
GEICO $1,973 $3,047 $3,822 $2,448
Liberty Mutual $2,747 $3,681 $3,322 $2,911
Nationwide $3,170 $4,068 $6,873 $4,068
Progressive $1,703 $2,891 $3,344 $2,453
State Farm $3,402 $4,057 $7,662 $3,948
Travelers $2,347 $3,834 $4,469 $3,463
USAA $1,786 $2,660 $4,352 $1,956

Cheapest Modesto, CA Car Insurance for Teen Drivers

Teen car insurance in Modesto, CA can be expensive. Take a look at rates from the top car insurance companies in Modesto for teenagers.

Annual Car Insurance Rates for Teen Drivers in Modesto, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,107 $10,197
Farmers $9,556 $15,661
GEICO $5,315 $5,397
Liberty Mutual $5,231 $5,570
Nationwide $8,119 $8,978
Progressive $4,342 $5,228
State Farm $6,913 $8,575
Travelers $5,437 $6,251
USAA $4,403 $4,428

Cheapest Modesto, CA Car Insurance for Seniors

Take a look at Modesto, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Modesto, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,166
Farmers $2,699 $2,699
GEICO $1,646 $1,646
Liberty Mutual $2,232 $2,162
Nationwide $2,810 $2,647
Progressive $1,388 $1,646
State Farm $3,352 $3,352
Travelers $2,315 $2,290
USAA $1,872 $1,881

Cheapest Modesto, CA Car Insurance Rates After a DUI

A DUI in Modesto, CA increases car insurance rates. Compare Modesto, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Modesto, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,266
Farmers $6,914
GEICO $3,822
Liberty Mutual $3,322
Nationwide $6,873
Progressive $3,344
State Farm $7,662
Travelers $4,469
USAA $4,352

Cheapest Modesto, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Modesto, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Modesto, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,101 $5,010
Farmers $5,001 $6,024
GEICO $2,563 $3,081
Liberty Mutual $2,905 $3,426
Nationwide $4,016 $5,073
Progressive $2,357 $2,839
State Farm $4,594 $4,940
Travelers $3,170 $3,886
USAA $2,477 $2,899

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Cheapest Modesto, CA Car Insurance Rates by ZIP Code

Modesto car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Modesto, CA.

Annual Car Insurance Rates by ZIP Code in Modesto, California

ZIP Code Average Annual Rates
95350 $5,166
95351 $5,422
95354 $5,385
95355 $5,216
95356 $5,246
95357 $5,231
95358 $5,270

The Best Cheap Car Insurance Companies in Modesto, CA

Take a look at a side-by-side comparison of the top car insurance companies in Modesto, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Modesto, California

Insurance Company Average Annual Rates
Allstate $4,556
Farmers $5,513
GEICO $2,822
Liberty Mutual $3,165
Nationwide $4,545
Progressive $2,598
State Farm $4,767
Travelers $3,528
USAA $2,688

Category Winners: Cheapest Car Insurance in Modesto, California

Find the cheapest car insurance companies in Modesto, CA for each category right here.

Best Annual Car Insurance Rates by Company in Modesto, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Modesto, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Modesto car insurance rates. Find the cheapest Modesto, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Modesto, California

Insurance Company Low Medium High
Allstate $4,291 $4,598 $4,778
Farmers $5,135 $5,555 $5,848
GEICO $2,537 $2,858 $3,072
Liberty Mutual $2,954 $3,192 $3,350
Nationwide $4,042 $4,631 $4,961
Progressive $2,328 $2,678 $2,787
State Farm $4,303 $4,850 $5,149
Travelers $3,100 $3,620 $3,864
USAA $2,434 $2,741 $2,890

What affects car insurance rates in Modesto, California?

What factors can have an impact on Modesto, CA car insurance? There are several reasons why Modesto car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Modesto, California.

Car Theft in Modesto

High levels of vehicle theft can make car insurance more expensive. Modesto, CA car theft statistics from the FBI indicate 1,198 vehicle thefts a year.

Commute Time in Modesto

The more time you spend in your car the higher the risk of an accident. The average commute length in Modesto, CA is 32.1 minutes according to City-Data.

Compare Car Insurance Quotes in Modesto, CA

Ready to find affordable Modesto, California car insurance today? Enter your ZIP code for fast, free Modesto, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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