Best Modesto, California Auto Insurance in 2026

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 how to get cheap auto insurance in Modesto, California for every age, credit history, and driving record.

Monthly Modesto, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Modesto, California auto insurance rates by ZIP Code below:

Modesto, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Modesto, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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.

Modesto, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Modesto car insurance rates. Find the cheapest Modesto, CA car insurance rates by coverage level below:

Your driving record will play a major role in your Modesto car insurance rates. For example, other factors aside, a Modesto, CA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Modesto, CA car insurance rates by driving record.

Factors affecting car insurance rates in Modesto, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Modesto, California car insurance.

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Modesto, CA.

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.