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Cheap car insurance in Modesto, California

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Click the pins on the map to see the average annual cost of car insurance per zip code. 

95350#$2,233#37.671978#-121.007405|95351#$2,293#37.623601#-120.996324|95354#$2,280#37.639029#-120.964772|95355#$2,192#37.672906#-120.946594|95356#$2,208#37.718023#-121.032714|95357#$2,214#37.672536#-120.887136|95358#$2,240#37.612612#-121.108568
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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Picture of Written by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Written by Alyssa DiCrasto
Picture of Edited by <a href="https://rateretriever.com/about/rob-deming/"><span style="text-decoration: underline;">Rob Deming</span></a>
Edited by Rob Deming

Last updated: May 1st, 2025

Picture of Written by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Written by Alyssa DiCrasto
Picture of Edited by <a href="https://rateretriever.com/about/rob-deming/"><span style="text-decoration: underline;">Rob Deming</span></a>
Edited by Rob Deming

Last updated: June 13th, 2024

What's on this page?

Cheap car insurance companies in Modesto, CA

First American P&C, Progressive, and Alliance United Gold are some of the best and cheapest car insurance companies in Modesto, CA.

However, you may find that another company is better for you based on your profile, vehicle, and coverage needs. It’s important to compare personalized rates at several insurance companies in Modesto to find the best price for the coverage you need.

Cheapest full coverage insurance in Modesto

Most drivers buy full coverage car insurance. This kind of insurance policy usually gives more protection than the minimum insurance required by law. It covers damage to your own vehicle if you are at fault for an accident, or if your vehicle is damaged by an animal, bad weather, or theft.

We use these limits for a full coverage policy:

  • $100k/$300k/100k for liability insurance 
  • $500k deductible for comprehensive and collision insurance 

Benefits of full coverage

  • More Protection: Covers a wide range of incidents, from accidents to theft. 
  • Peace of Mind: You’ll feel more secure knowing you’re covered in many situations. 
  • Financial Security: Helps you avoid big out-of-pocket expenses for repairs or replacement. 
  • Required for Loans/Leases: Often needed if you finance or lease your car.

Cheapest Companies for Full Coverage in Modesto

Here’s what the average driver can expect to pay for full coverage from some of the top car insurance companies in Modesto:

Annual rates for a male driving a 2024 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of April 2025. 

Cheapest minimum car insurance in Modesto

Minimum coverage is the most basic and cheapest option but offers the least protection. Here’s what it includes in California:

Bodily Injury Liability – $15,000 limit per person/$30,000 limit per accident

Property Damage Liability – $5,000 limit

Downsides of minimum coverage

  • Limited Protection: Only covers damage you cause to others. It doesn’t cover your own injuries or car damages if you’re at fault.  
  • Out-of-Pocket Costs: You pay for your own repairs and medical bills. 
  • No Coverage for Non-Collision Events: Doesn’t cover things like theft, vandalism, or weather damage. 

Cheapest Companies for Minimum Coverage in Modesto

Here’s what the average driver can expect to pay for minimum coverage from some of the top car insurance companies in Modesto:

Annual rates for a 35-year-old male driving a 2024 RAV4, estimated using publicly sourced data from First Interpreter. They are estimates, not actual quotes. Accurate as of April 2025. 

Local car insurance agents in Modesto

Local insurance agents offer a range of benefits for Modesto residents:

  • Local knowledge: They understand the specific needs and challenges in Modesto. 
  • Personalized service: They can customize your coverage to fit your individual needs. 
  • Ongoing support: They provide guidance and assistance, especially during the claims process. 

With our free tool, you can compare rates from top companies and then seamlessly connect with local agents who can help you secure the best policy for your needs. This way, you get the benefit of both competitive rates and personalized local service.

Factors that impact insurance cost in Modesto​

Location

Where you live is one of the biggest things insurance companies look at when deciding how much you’ll pay for car insurance.

Each state has its own car insurance laws, for both drivers and the insurance companies. Drivers must have a certain amount of insurance. Companies must get their rating plan, or how they use different factors to calculate their rates, approved by the state. So the state you live in has a big impact on the price you pay for car insurance.

However, even the city and zip code you live in can make a difference on your premium. The impact your zip code has on car insurance rates is influenced by several factors:

Population

  • Higher population density can lead to more traffic and accidents, affecting rates. Modesto’s population is 236,540.

Traffic Patterns

  • Heavy traffic and frequent accidents can increase insurance costs.

Crime Rates

  • Higher crime rates, including auto theft and vandalism, can result in higher premiums.

Uninsured Motorist

  • 16.6% of drivers in Modesto are uninsured, which can affect your rates.
Why does this matter?
  • Living in areas with lower crime rates and less traffic can reduce your insurance premiums. Understanding the impact of your location can help you make informed decisions about where to live and how it affects your insurance costs.

Driving record

Your driving history is one of the most critical factors. Accidents, traffic violations, and DUI/DWI offenses can substantially increase your premiums.

A clean driving record can save you a significant amount of money on car insurance. Insurance companies view safe drivers as less risky, leading to lower premiums. In California, even minor traffic violations can lead to increased premiums.

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Age

Younger drivers typically pay more due to their lack of driving experience. Insurers see younger drivers, especially those under 25, as higher risk. In California, younger drivers face higher premiums.

As you gain more driving experience and maintain a clean record, your rates should decrease.

Cheapest car insurance for teens in Modesto

Teenage drivers pay the most for car insurance in Modesto. Below, you’ll see the average cost of car insurance for a 17-year-old driver on their own policy in Modesto.

Cost of Car Insurance for Teen Drivers

Annual rates for a 35-year-old male driving a 2024 RAV4, estimated using publicly sourced data from First Interpreter. They are estimates, not actual quotes. Accurate as of April 2025. 

Credit score

In most states, car insurance companies can use credit score as a rating factor. In those states, drivers with poor credit scores (580 and below) pay more than those with good credit scores (670-739). Those with excellent credit scores save the most on car insurance.

However, in California, the use of credit score as a rating factor is prohibited. Therefore, the average cost of car insurance in Modesto is $2,236, regardless of credit score.

Gender

In most states, car insurance companies can use the sex described on your driver’s license as a rating factor. However, other factors – like your vehicle and driving record – tend to have a bigger impact on the price you pay for car insurance. In California, insurance companies are not allowed to use gender as a rating factor.

Average rates each gender pays for car insurance in Modesto:

Marital status

On average, married couples tend to save on car insurance. In Modesto, married drivers save -24.60% on car insurance when they combine their policies, compared to what they would spend on two individual policies. 

Vehicle type

The make, model, and age of your vehicle significantly affect your rates. Sports cars, luxury vehicles, and cars with poor safety ratings or high repair costs typically cost more to insure.

Choosing a vehicle with good safety ratings and lower repair costs can help you save on insurance premiums. In California, vehicles with higher theft rates or expensive repair costs will also have higher insurance premiums.

Annual mileage

The more you drive, the higher your risk of being in an accident. Higher annual mileage can lead to increased premiums.

Reducing your annual mileage can lower your risk profile and help you save on car insurance. In California, drivers with longer commutes or higher annual mileage can expect to pay more.

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Insurance coverage and deductibles

The amount of coverage you purchase and the deductibles you choose also affect your premiums. Higher coverage limits and lower deductibles increase the cost. Balancing your coverage needs with affordable deductibles can help you save on premiums.

Claims history

If you have a history of filing insurance claims, insurers may view you as a higher risk and increase your premiums.

Maintaining a clean claims history can help you secure lower rates. In California, frequent claims can lead to higher premiums.

Discounts

Eligibility for discounts can also impact your rates. Common discounts include those for good drivers, multi-car policies, safety features on the vehicle, and completing defensive driving courses.

Taking advantage of available discounts can help you save money. Common discounts in California include bundling policies, having a clean driving record, or installing safety features in your vehicle are common.

How to save money on car insurance in Modesto, CA

As you can see insurance companies look at many factors – from the car you drive to your driving record – to decide how much you pay for insurance. This means that the cheapest company for you might be different than the cheapest company for your neighbor.

The best way to save on car insurance in Modesto, CA is to compare prices at leading insurance companies. Rate Retriever makes it easy for you to compare rates at each of the top companies in Modesto based on your unique driver profile.

Here are some tips to help you save:

Shop around

  • Rates can vary widely from one company to another. Use our free tool to compare rates from different insurance companies.

Bundle policies

  • Many insurance companies offer discounts if you bundle car insurance with other types of insurance, like home or renters insurance.

Clean driving record

  • Safe driving can earn you discounts on your premium.

Increase deductible

  • A higher deductible can lower your monthly premium. Just make sure you can afford the out-of-pocket cost if you need to file a claim.

Discounts

  • Insurance companies often offer discounts for multi-vehicle policies, completing a defensive driving course, or having certain safety features in your car.

Review coverage

  • Make sure you’re not paying for coverage you don’t need. Adjust your policy to fit your current situation.

California car insurance laws

What auto insurance laws are in California?

The minimum car insurance requirements in California are: Bodily Injury Liability - $15,000 limit per person/$30,000 limit per accident Property Damage Liability - $5,000 limit

How long do you have to get insurance in California?

Typically, you will be granted 30 days to get car insurance for a new car in CA.

What is the fine for not having car insurance in California?

Driving without insurance is against the law in CA. If you are convicted of driving without insurance, you will be subject to a fine that ranges between $100-$500, depending on if it's a first-time or repeat offense..

Modesto zip codes evaluated

When analyzing Modesto rates, we used the following zip codes:

95350, 95351, 95354, 95355, 95356, 95357, 95358

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2024 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

Sources

US Census data

Insurance Information Institute – Uninsured Motorists

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