Best Cheap Car Insurance in Modesto, California

Best Cheap Car Insurance in Modesto, California

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The average annual cost for a minimum coverage car insurance policy in Modesto, California is $637. This is $24 more than the California average of $613 per year. In Modesto, Geico offers the cheapest rate for minimum coverage at $456 per year.

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Auto insurance rates may vary significantly depending on multiple factors including location, age and driving history. We recommend getting multiple quotes to insure you get the best rate.

Best cheap car insurance in Modesto, California

The best rate for minimum coverage car insurance in Modesto is offered by Geico for $456 per year. This is 28% cheaper than the average cost for minimum coverage in Modesto. United Financial offers the second cheapest rate at $464 per year, and CSAA has the third-cheapest policy for minimum coverage at $497 per year.

best cheap car insurance in Modesto California

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The minimum coverage rates we analyzed for this study ranged from $456 to $928 per year.

Rank
Company
Annual rate
1Geico$456
2United Financial$464
3CSAA$497
4Auto Club$525
5Mercury$571
6State Farm$787
7Allstate$868
8Farmers$928
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Cheapest full coverage policies in Modesto, California

On average, a full coverage policy in Modesto costs $1,831 per year. The cheapest rate for full coverage in Modesto is offered by State Farm for $1,423 per year. United Financial has the second cheapest coverage at $1,536 per year, and Mercury is third at $1,550 per year.

Rank
Company
Annual rate
1Geico$1,423
2United Financial$1,536
3Mercury$1,550
4Auto Club$1,665
5CSAA$1,986
6State Farm$2,075
7Allstate$2,121
8Farmers$2,289
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Best rates for drivers with prior incidents

We analyzed how specific incidents affect the rate for a full coverage policy in Modesto.

The best cheap insurance in Modesto for drivers with prior incidents is Mercury, which has the cheapest rates for drivers with accidents, speeding tickets and DUIs.

Cheapest car insurance in Modesto, California if you have an accident on your record

Every single insurer analyzed for this study increased rates for drivers with an accident. Drivers in Modesto with an accident have to pay on average $1,747 more per year. For a driver with an accident on their record, the cheapest full coverage policy in Modesto is offered by Mercury for $2,332 per year.

Rank
Company
Annual rate
1Mercury$2,332
2Geico$2,598
3Auto Club$2,637
4United Financial$3,172
5Farmers$4,025
6CSAA$4,030
7State Farm$4,127
8Allstate$5,692
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Cheapest car insurance for drivers with a speeding ticket

Drivers who have speeding tickets on their records are considered riskier, and therefore have more expensive rates. The average cost for a full coverage policy in Modesto for a driver with a speeding ticket is $2,681 per year. This is $850 more than a driver with a clean record. The cheapest rate for a driver with a speeding ticket is offered by Mercury for $2,047 per year.

Rank
Company
Annual rate
1Mercury$2,047
2Geico$2,225
3Auto Club$2,225
4CSAA$2,502
5United Financial$2,949
6Allstate$3,090
7State Farm$3,189
8Farmers$3,220
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Cheapest car insurance for drivers with a DUI in Modesto

The average annual rate for a full coverage policy in Modesto for a driver with a DUI is $5,195. This is almost three times the rate compared to a driver with a clean record. The cheapest rate is offered by Mercury for $2,558 per year. This is $1,027 cheaper than the second cheapest option offered by Geico at $3,585 per year.

Rank
Company
Annual rate
1Mercury$2,558
2Geico$3,585
3United Financial$3,691
4Farmers$4,025
5Auto Club$4,934
6CSAA$7,132
7State Farm$7,327
8Allstate$8,310
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Cheapest car insurance for young drivers in Modesto, California

Due to their inexperience and tendency to get into more accidents, car insurance rates for young drivers are much higher compared to older, more experienced drivers. The average cost of a full coverage auto insurance policy for a young driver in Modesto is 2.5 times more than the average for an adult. The cheapest car insurance rate for young drivers in Modesto is offered by Geico for $3,631 per year.

Rank
Company
Annual rate
1Geico$3,631
2State Farm$3,665
3Mercury$3,744
4Auto Club$4,239
5United Financial$4,661
6Allstate$4,997
7Farmers$5,085
8CSAA$6,065
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Best car insurance companies in Modesto, California

Choosing the right insurance company isn’t only about finding the lowest price. Something you should always check when choosing an insurance company is its customer service rating. Based on a customer satisfaction survey conducted by ValuePenguin, State Farm was rated as the best car insurance company in California in terms of customer satisfaction.

Cheapest car insurance in Modesto by ZIP code

The cost of auto insurance within a particular city may vary based on a range of factors including population density, traffic and crime rates. Among the rates for a full coverage policy, there is a range of $209 between the different ZIP codes in Modesto.

ZIP code
Average annual rate
95350$1,770
95351$1,891
95354$1,964
95355$1,755
95356$1,817
95357$1,816
95358$1,856
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Methodology

This report analyzed car insurance rates from the eight most popular car insurance companies in Modesto, California. Unless otherwise noted, the sample driver used to generate the rates was a 30-year-old with no accidents, DUIs or speeding tickets.

ValuePenguin used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should only be used for comparative purposes. The actual rates from these insurers may vary.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.