Car Insurance in Modesto

The average rates for car insurance in Modesto, CA are $316.50/mo. California requires 15/30/5 for minimum liability coverage which impacts rates for Modesto car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 18, 2020

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Here's what you need to know...

  • Modesto residents must abide by California car insurance laws
  • Modesto is an urban community with an agricultural emphasis
  • Higher insurance coverage is recommended than the state-required minimum
  • Vehicle theft is high in Modesto

Modesto has stringent laws that make it necessary to obtain car insurance. Financial responsibility is spelled out to car owners who must comply with the requirements of California to own or even park a car on Modesto roads.

There are various methods that one can use to satisfy the requirement.

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These are inclusive of a cash deposit, certificate of self-insurance, bond or a car liability insurance cover. A large percentage of the drivers will choose to buy auto insurance and the requirements are stipulated below:

  • For injury or death to a single person, the requirement is $15,000.
  • $30,000 is required for death or injury to multiple persons.
  • $5,000 is needed in relation to damage of property.

Buying a new car is always very exciting, however, the new car comes with a myriad of responsibilities. One of the starting points is to get suitable car insurance.

It is worth mentioning that they are two methods in which one can own a car. These are:

  1. Buying
  2. Leasing

If you have leased the car, the insurance company is stricter.When applying for Modesto car insurance for a leased car, there are certain requirements that you must have.

  • $500 or lower deductible for collision and comprehensive cases
  • A property liability cover of not less than $50,000
  • Bodily injury liability covers of $ 100,000 for a single person and $300,000 for multiple persons.

The comprehensive and collision covers will take care of all the damages that have been incurred in case of an accident, vandalism, theft or flood.

The liability cover protects any person who gets injured due to your fault. In case you cause damages to property, it is taken care of by the property liability cver.

Facts on Modesto, CA

Situated in California’s Stanislaus County, Modesto is a city with a population of approximately 201,165 according to the latest census carried out in 2010.

This metropolis is ranked as the 18th biggest in California. Modesto is well known for farm production and actually takes sixth place among the states in California.

In the year 2007, agriculture brought in an income of $2.5 billion, which is impressively high. The schools found in this city have diverse social and cultural backgrounds.

Tourism is vibrant in the city and also contributes largely to the gross domestic product. The transportation system is very efficient with effective management evident in the rail, air, and public transportation sectors.

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Modesto Car Insurance Laws

It is highly recommended for one to have liability coverage. This is for your own security and protection. After an accident takes place, the person who is at fault will be responsible for offsetting the damages to the other party.

The Modesto car insurance liability cover protects one from having to go through an ugly lawsuit. Some of the body injury claims include:

  • Death
  • Pain
  • Suffering
  • Medical costs
  • Loss of income

Modesto Car Insurance Companies

There are several companies that provide clients in Modesto with car insurance. Most of these firms will have different price tags and, hence, it is highly recommended for one to carry out adequate car insurance research so as to get the best deals.

The insurance firms usually work through agencies to sell their services to the end users. Below is a list of some of the Modesto car insurance companies:

  1. Allstate Insurance Agency
  2. Skeet’s Insurance services
  3. Cost-U-Less Insurance Center
  4. State Farm Insurance
  5. Titan Insurance
  6. Pam Palombi (State Farm Insurance)

Modesto Car Insurance Agencies

The Modesto car insurance agencies usually act as a link between the insurance companies and the user.

Most car owners are always concerned about the amount of money they should set aside for car insurance. Modesto car insurance agencies will recommend that car owners buy as much insurance cover as possible.

The majority of Modesto car insurance agencies have three distinct categories of insurance covers: good, average and best.

It is advisable that you purchase the best insurance package if you have the financial ability. It is important to point out that the least expensive insurance cover depends on one driving history.

Taking a defensive driving course increases the chances of having your car insurance premium rates reduced.

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Average Modesto Car Insurance Rates

The liability rates on average cost about $465. This figure is rather affordable as compared to the amount of money that would be required to pay for damage caused by a collision.

Modesto Driving and Car Insurance Statistics

The crime rate in Modesto is higher as compared to other states. Notably, this city has numerous incidences of car theft and is even ranked among the top car theft cities in America today.

In the year 2008, statistics proved that Modesto was given first ranking in relation to the rate of car theft per one hundred thousand people.

There are also several street gangs in the city and according to an estimation by the Stanislaus county, the number could lie anywhere between seven thousand and ten thousand.

If you are paying an excess of $2,500 annually for your car insurance, it is time to switch brands. National statistics prove that the average figure for car insurance is $1,567.

Compare Modesto Car Insurance Quotes

Making comparisons of car insurance quotations is necessary for anyone who wants to make savings.

The beauty is that making such comparisons is very simple. It can easily be done online since there are sites that specialize in providing such services. The process of making such comparisons is fast and easy.

Right from the comfort of your home, it is possible to cut on your Modesto car insurance costs.

Don’t wait any longer and lose money! Use our free car insurance quotes comparison tool below and find the right policy today!

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