Best Cheap Car Insurance in Modesto, California
Best Cheap Car Insurance in Modesto, California
Compare Car Insurance Rates in Modesto
The average annual cost for a minimum coverage car insurance policy in Modesto, California is $653. That's $40 more than the California average of $613 per year. In Modesto, Geico offers the best rate for minimum coverage at $456 per year.
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 30% cheaper than the average cost for minimum coverage in Modesto. United Financial offers the second cheapest rate at $464 per year, and AAA NorCal has the third-cheapest policy for minimum coverage at $497 per year.
AAA of Northern California, also called AAA NorCal or CSAA, is only available to residents of Northern California. The Auto Club of Southern California provides car insurance to its customers through a separate company.
Compare Car Insurance Rates in Modesto
The minimum coverage rates we analyzed for this study ranged from $456 to $928 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $456 |
| 2 | United Financial | $464 |
| 3 | AAA NorCal | $497 |
| 4 | Mercury | $571 |
| 5 | State Farm | $787 |
| 6 | Allstate | $868 |
| 7 | Farmers | $928 |
Cheapest full coverage policies in Modesto, California
On average, a full coverage policy in Modesto costs $ $1,854 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 |
|---|---|---|
| 1 | Geico | $1,423 |
| 2 | United Financial | $1,536 |
| 3 | Mercury | $1,550 |
| 4 | AAA NorCal | $1,986 |
| 5 | State Farm | $2,075 |
| 6 | Allstate | $2,121 |
| 7 | Farmers | $2,289 |
Best rates for drivers with prior incidents
Insurance companies use your driving history to predict how likely you are to make a claim, and set your insurance rates accordingly. If you've been involved in a driving incident recently, you're likely to pay more for car insurance — making it even more important to find the best deal.
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 $1,857 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 |
|---|---|---|
| 1 | Mercury | $2,332 |
| 2 | Geico | $2,598 |
| 3 | United Financial | $3,172 |
| 4 | Farmers | $4,025 |
| 5 | AAA NorCal | $4,030 |
| 6 | State Farm | $4,127 |
| 7 | Allstate | $5,692 |
| 8 | Farmers | $2,289 |
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 $2,746 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 |
|---|---|---|
| 1 | Mercury | $2,047 |
| 2 | Geico | $2,225 |
| 3 | AAA NorCal | $2,502 |
| 4 | United Financial | $2,949 |
| 5 | Allstate | $3,090 |
| 6 | State Farm | $3,189 |
| 7 | Farmers | $3,220 |
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 $5,232 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 |
|---|---|---|
| 1 | Mercury | $2,558 |
| 2 | Geico | $3,585 |
| 3 | United Financial | $3,691 |
| 4 | Farmers | $4,025 |
| 5 | AAA NorCal | $7,132 |
| 6 | State Farm | $7,327 |
| 7 | Allstate | $8,310 |
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 |
|---|---|---|
| 1 | Geico | $3,631 |
| 2 | State Farm | $3,665 |
| 3 | Mercury | $3,744 |
| 4 | United Financial | $4,661 |
| 5 | Allstate | $4,997 |
| 6 | Farmers | $5,085 |
| 7 | AAA NorCal | $6,065 |
Car insurance companies with the best customer service in 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 |
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.
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.