Can't-Miss Facts

  • The average annual auto insurance rates for Modesto, CA are $3,797.96
  • The cheapest auto insurance company in Modesto, CA is Progressive
  • Modesto, CA rates are affected by the traffic that is shared with Stockton
  • The average commute time in Modesto is 26.6 min

Modesto, CA auto insurance rates are actually fairly low when compared to other cities in California.

You can save on Modesto, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on auto insurance rates in Modesto, California for every age, credit history, and driving record.

By examining rates and companies in Modesto, CA weather the storm of finding cheap auto insurance.

Ready to find affordable auto insurance in Modesto, CA? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Modesto, CA?

The cheapest auto insurance company in Modesto, based on average rates, is Progressive.

Which Modesto, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

The top auto insurance companies in Modesto, CA, ranked from cheapest to most expensive are:

  • Progressive – $2,597.74
  • USAA – $2,688.44
  • GEICO – $2,822.26
  • Liberty Mutual – $3,165.15
  • Travelers – $3,528.14
  • Nationwide – $4,544.54
  • Allstate – $4,555.55
  • State Farm – $4,767.26
  • Farmers – $5,512.56

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

What auto insurance coverage is required in Modesto, CA?

All Modesto drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Modesto, CA?

Modesto is the 19th-largest city in California and about a 30-minute drive south of Stockton. Let’s take a look at how annual Modesto car insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188.41 (most expensive)
  • Stockton, CA — $3,872.69 (next closest city)
  • Modesto, CA — $3,797.96
  • Los Ranchos, CA — $2,731.32 (cheapest)

INRIX ranks Stockton as the 211th-most congested city in the U.S. but has no specific information for Modesto. Modesto is south of Stockton, so traffic heading to a larger city can affect auto insurance rates.

According to City-Data, the average commute time in Modesto is 26.6 minutes.

Auto theft in Modesto also affects rates, and the most recent annual statistics list 1,412 auto thefts in a city population of 213,677. That’s a rate of 151 cars stolen per 100,000 population.

Modesto, CA Auto Insurance: The Bottom Line

Modesto has some of the lowest car insurance rates in California, but you can still save by shopping around and comparing.

Before you buy auto insurance in Modesto, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Modesto, CA auto insurance quotes.