In Modesto, the average cost of full coverage car insurance is $135 per month. Prices can range from $131 to $328, depending on various factors. The table below shows average car insurance costs for different driver profiles to help drivers understand what they might pay.
Modesto, CA, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Modesto: Key Takeaways
GEICO, Progressive and State Farm are among the most affordable car insurance providers in Modesto. They offer competitive rates for various driver profiles, ensuring budget-friendly options.
GEICO offers the cheapest minimum coverage at $40 per month, while Progressive provides the most affordable full coverage at $96 per month.
On average, car insurance costs in Modesto are $55 monthly for minimum coverage and $135 for full coverage. Rates may vary based on individual driver profiles and needs.
Car Insurance Quotes in Modesto, CA
| Young Drivers | $67 | $168 |
| Teens | No Data | $316 |
| Seniors | $55 | $131 |
| Drivers With a Speeding Ticket | $77 | $191 |
| Drivers With a DUI | $132 | $328 |
| Drivers With An Accident | $88 | $216 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Modesto vs. State Average
California
State Average Full Coverage Rate
$1,599
Modesto, CA
City Average Full Coverage Rate
$1,623More:$24 more
This is 2% more expensive.
What Is the Average Car Insurance Rate in Modesto?
In Modesto, the average annual cost for full coverage car insurance is $1,623, while state minimum coverage costs $665. These rates are slightly higher than the California state averages of $1,599 for full coverage and $661 for minimum coverage.
| State Average | $661 | $1,599 |
| Modesto Average | $665 | $1,623 |
Cheapest Car Insurance Companies in Modesto
Even though premiums are increasing across California, you can still find affordable car insurance in Modesto. GEICO offers the cheapest minimum coverage at $40 per month. For full coverage, Progressive provides the best rate at $96 per month.
WHY CAR INSURANCE IN MODESTO IS EXPENSIVE
Modesto ranks among the top cities in California for costly premiums. Car insurance is expensive in Modesto due to a mix of city-specific factors, such as high theft rates and traffic congestion. Statewide issues like a large number of uninsured drivers, frequent personal injury lawsuits and insurance fraud also drive up prices.
Cheap Car Insurance in Modesto
GEICO offers the cheapest minimum coverage, but the most affordable car insurance varies for each driver. The best way to find your most inexpensive rate is to get quotes from different companies. Below is a table with the cheapest rates for various driver profiles.
| GEICO | Minimum Coverage | $40 |
| Progressive | Full Coverage | $96 |
| State Farm | Teens | $238 |
| Progressive | Young Adults | $82 |
| Progressive | Seniors | $69 |
| National General | Drivers With a DUI | $90 |
| Capital Insurance Group | Drivers With An Accident | $102 |
| National General | Drivers With a Speeding Ticket | $90 |
Car Insurance Rates in Modesto by Company
To get the best price on car insurance in Modesto, you need to compare rates from different companies. Below are the most affordable options for state minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Modesto
GEICO offers the cheapest minimum coverage auto insurance at $40 per month, followed by Progressive at $41. The table below breaks down the cheapest options.
| GEICO | $40 | $19 |
| Progressive | $41 | $17 |
| CSAA | $46 | $12 |
| Kemper | $47 | $12 |
| Capital Insurance Group | $52 | $6 |
| Mercury | $54 | $4 |
| State Farm | $55 | $3 |
| Nationwide | $55 | $3 |
| State National | $56 | $3 |
| Farmers | $56 | $2 |
| National General | $58 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Modesto
Progressive offers the most affordable full coverage car insurance in Modesto at $96 per month. Below is a list of other providers you can consider.
| Capital Insurance Group | $122 | $19 |
| GEICO | $104 | $36 |
| Hartford | $136 | $5 |
| Kemper | $127 | $14 |
| Mercury | $131 | $10 |
| National General | $113 | $27 |
| Nationwide | $134 | $6 |
| Progressive | $96 | $45 |
| State Farm | $138 | $3 |
| State National | $126 | $15 |
Car Insurance Companies in Modesto
To find affordable car insurance in Modesto, get quotes from several companies. Progressive offers the cheapest annual premium at $822. Capital Insurance Group is the best-rated, with a MoneyGeek score of 83 out of 100 and a rate of $1,041 per year. Check the table below for more options.
| Capital Insurance Group | 83 | $1,041 |
| Chubb | 82 | $1,378 |
| Mercury | 73 | $1,112 |
| GEICO | 70 | $863 |
| Progressive | 70 | $822 |
| State Farm | 70 | $1,158 |
| Nationwide | 66 | $1,138 |
| CSAA | 63 | $1,132 |
| Travelers | 60 | $1,357 |
| Hartford | 58 | $1,197 |
| Kemper | 58 | $1,040 |
| Farmers | 56 | $1,460 |
| National General | 55 | $1,026 |
| Allstate | 53 | $1,349 |
| State National | No Data | $1,088 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Modesto by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,623 per year for 40-year-olds and $1,569 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,679 | $-964 |
| 17 | $3,667 | $-953 |
| 18 | $3,461 | $-747 |
| 19 | $2,652 | $62 |
| 20 | $2,719 | $-5 |
| 21 | $2,368 | $346 |
| 22 | $2,055 | $659 |
| 23 | $2,112 | $603 |
| 24 | $2,023 | $691 |
| 25 | $2,011 | $-298 |
| 40 | $1,623 | $90 |
| 65 | $1,569 | $144 |
Cheapest Car Insurance for Teens in Modesto
State Farm offers the cheapest overall car insurance for teens in Modesto at $236 monthly, saving you $44 compared to the state average. The table below highlights more affordable providers for this age group.
| State Farm | $236 | $44 | $238 |
| GEICO | $244 | $36 | $281 |
| Farmers | $249 | $31 | $346 |
| Allstate | $252 | $29 | $264 |
| Capital Insurance Group | $266 | $15 | $259 |
| Progressive | $288 | $-8 | $310 |
| Travelers | $308 | $-27 | $272 |
| Kemper | $340 | $-59 | $430 |
| Nationwide | $341 | $-61 | $443 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Modesto
For young drivers, GEICO offers the lowest minimum coverage rate at $46 per month, while Progressive provides the most affordable full coverage at $115 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $46 |
| Progressive | Full Coverage | $115 |
| National General | Drivers With a DUI | $110 |
| Capital Insurance Group | Drivers With An Accident | $115 |
| National General | Drivers With a Speeding Ticket | $110 |
Cheapest Car Insurance Companies for Young Drivers in Modesto
Progressive offers the most affordable auto insurance for young drivers at $82 per month. The table below shows other companies with competitive rates.
| Progressive | $82 | $41 |
| GEICO | $83 | $40 |
| Capital Insurance Group | $98 | $26 |
| CSAA | $103 | $20 |
| National General | $105 | $19 |
| State National | $110 | $14 |
| State Farm | $113 | $11 |
| Mercury | $119 | $4 |
| Nationwide | $122 | $1 |
| Allstate | $123 | $1 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Modesto
GEICO and National General offer the city's most affordable car insurance, but rates vary based on individual factors. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit your needs.
| GEICO | Minimum Coverage | $39 |
| Progressive | Full Coverage | $96 |
| National General | Drivers With a DUI | $92 |
| Capital Insurance Group | Drivers With An Accident | $96 |
| National General | Drivers With a Speeding Ticket | $92 |
Cheapest Car Insurance Companies for Seniors in Modesto
GEICO offers the cheapest monthly premium for seniors at $69 for minimum and full coverage. Progressive also provides a rate of $69 monthly. The table below shows the top car insurance options for seniors in Modesto.
| Progressive | $69 | $28 |
| GEICO | $69 | $27 |
| State Farm | $75 | $22 |
| Capital Insurance Group | $82 | $15 |
| State National | $86 | $11 |
| Hartford | $86 | $10 |
| National General | $87 | $10 |
| Nationwide | $88 | $8 |
| Mercury | $92 | $5 |
| CSAA | $96 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Modesto
When looking at high-risk driver profiles in Modesto, minimum coverage costs $1,244 per year, and full coverage costs $3,044. These rates are lower than the California annual averages of $1,239 for minimum coverage and $2,989 for full coverage. Drivers with DUIs pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller effect on rates.
| State Average | $1,239 | $2,989 |
| Modesto Average | $1,244 | $3,044 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Modesto, affect your car insurance for a few years. More serious offenses, such as a DUI, may influence your rates for longer. You might need to file an SR-22 or FR-44 to ensure you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Modesto
National General offers the cheapest minimum coverage for drivers with a DUI at $732 per year. It also provides the most affordable full coverage at $1,428 annually. Check out the table below to see more options for low-cost coverage.
| National General | $61 | $119 |
| Mercury | $87 | $216 |
| Capital Insurance Group | $90 | $219 |
| Progressive | $91 | $226 |
| GEICO | $95 | $246 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Modesto
CSAA, Capital Insurance Group and GEICO offer the cheapest auto insurance after an at-fault accident in Modesto. Below is a table showing different providers offering affordable car insurance for drivers with an at-fault accident.
| Capital Insurance Group | $60 | $143 |
| GEICO | $70 | $173 |
| State National | $79 | $179 |
| CSAA | $58 | $180 |
| Farmers | $76 | $260 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Modesto
Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket in Modesto, offering minimum coverage at $57 and full coverage at $140. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| National General | $61 | $119 |
| Capital Insurance Group | $57 | $140 |
| GEICO | $60 | $155 |
| Kemper | $62 | $168 |
| CSAA | $58 | $180 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Modesto, CA
In the Golden State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
Imagine a scenario where you're at fault in a minor accident. The state minimum coverage helps cover the other party's injury and property damage, keeping you legally compliant and financially protected.
Cheap Car Insurance in Modesto: Bottom Line
GEICO is Modesto's most affordable option for minimum coverage at $40 per month. Progressive provides the cheapest full coverage at $96. Drivers of all ages can find competitive rates to fit their budgets. Remember, your policy must include California's required coverages: bodily injury and property damage liability. By comparing providers, you can secure affordable coverage that complies with Golden State laws.
Modesto Auto Insurance: FAQ
This section provides quick answers to common questions about finding affordable and quality car insurance options in Modesto.
What is the cheapest car insurance company in Modesto, California?
GEICO offers the most affordable state minimum coverage in Modesto, California, at around $40 monthly, which provides a monthly savings of $19.
What is the best car insurance company in Modesto, California?
Capital Insurance Group is the top-ranked auto insurance provider in Modesto, California, with an annual premium of $1,041 for state minimum coverage.
How much does car insurance cost on average in Modesto?
The average monthly cost for minimum coverage auto insurance in Modesto ranges from $55 to $132.
Best Cheap Car Insurance in Modesto: Our Methodology
MoneyGeek conducted an analysis of Modesto auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.
Modesto Driver Profile
To assess the best and most affordable auto insurance options for Modesto residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records, and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Modesto
In assessing the car insurance quotes for Modesto, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options, and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Modesto
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Modesto.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.