Best Cheap Car Insurance Companies in Modesto, Calif.
Here are the five best car insurance options in Modesto: Geico, USAA, Progressive, AAA and Kemper. These companies have rates that are lower than average for both minimum and full coverage in the city. On top of that, they’re each known to provide excellent customer service and offer peace of mind to drivers through quality insurance coverage.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
How Much Is Car Insurance in Modesto, Calif.?
Our data shows that the average cost of minimum-coverage car insurance in Modesto is $49 per month or $586 per year. This is about 6% less than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $185 per month or $2,216 per year on average, which is about 11% more expensive than the U.S. average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Modesto
Geico offers the cheapest liability insurance with average rates of $31 per month or $374 per year. USAA is the second-cheapest option in Modesto with average rates of $39 per month or $470 per year.
Liability coverage is the minimum coverage required by the state of California. According to California law, all drivers must either meet or exceed the following minimum requirements:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
While uninsured motorist coverage isn’t required in California, many drivers pick it up to receive extra protection. Roadside assistance is another option that’s popular among Modesto drivers.
Cheapest Full-Coverage Car Insurance in Modesto
A full-coverage car insurance policy can be pricey in Modesto. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Mercury is the cheapest full-coverage option with average rates of $147 per month or $1,759 per year.
Modesto Car Insurance Quotes by Driver Profile
There are many factors that make car insurance cost more or less, so the company that’s cheapest for one driver may be expensive for another. In this part, we’ll talk about how the cost of car insurance in Modesto varies for people of different ages and driving records. Modesto has multiple ZIP codes with different average costs for car insurance, so we’ll look at those too.
A few simple ways to reduce the cost of car insurance are by increasing your deductible and by comparing quotes from insurance agencies all over the map in Modesto. You could also consider bundling auto coverage with home insurance, renters insurance, life insurance and business insurance services.
Modesto Car Insurance Cost by Age
Teenagers typically pay the most money for car insurance because they’re more prone to getting into car accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $152 per month or $1,829 per year for car insurance in Modesto.
As drivers get older, the cost of car insurance tends to go down. Here are some examples of average minimum-coverage car insurance costs in Modesto for different age groups.
Cheapest Car Insurance in Modesto: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest auto insurance company for teen drivers, with minimum-coverage rates as low as $107 per month or $1,285 per year. USAA, Progressive and State Farm also offer affordable premiums for Modesto teens.
Modesto Car Insurance Cost by Driving Record
If you’ve gotten speeding tickets, been in accidents or received a DUI, your car insurance premiums will almost certainly go up. On average, speeding can increase your rates by 41%, an at-fault accident by 76%, and a DUI by 169%.
While every company has differing price increases, we found that getting quotes from Geico is the right move for those with violations on their driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Modesto: Speeding Ticket
Let’s go into more detail about car insurance for high-risk drivers. According to our data, USAA offers the cheapest auto insurance rates to those with speeding tickets on their records — $48 per month or $573 per year. Geico follows close behind with an average monthly rate of $50, while AAA, Kemper and Mercury round out the top five options for cheap speeding ticket car insurance in Modesto.
Cheapest Car Insurance in Modesto: At-Fault Accident
Getting into an at-fault car accident will likely make your insurance rates go up more than a speeding ticket. AAA and USAA are the cheapest options here with average rates of about $60 per month and $63 per month, respectively.
Cheapest Car Insurance in Modesto: DUI
Getting a DUI is a major offense that could raise your car insurance rates in Modesto by hundreds of dollars each year. Mercury is very cheap compared to other companies, offering average rates of $77 per month or $920 per year to drivers with DUIs. Geico, Progressive and Kemper are also good options with rates under $101 per month on average.
Modesto Car Insurance Cost by ZIP Code
Rates of auto insurance claims differ across each area of Modesto, impacting the cost of your insurance. Below, you’ll see that certain ZIP codes in Modesto can be up to 0.8% cheaper or 0.4% more expensive than the city average.
Cheap Car Insurance in Modesto, Calif.: The Bottom Line
Auto coverage in Modesto is 1% higher than California car insurance but 6% less than the national average, so there are many affordable providers on the market. Geico offers the cheapest minimum coverage in the city for about $31 per month. Mercury, on the other hand, offers reasonable full-coverage rates to Modesto drivers at $147 per month.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can search for insurance products online or get free quotes on auto and homeowners insurance in person from English- and Spanish-speaking insurance agents.
Cheapest Auto Insurance in Modesto, Calif.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Modesto, Calif.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.