Cheapest Auto Insurance in Modesto, California (2024)

Modesto drivers can find the cheapest car insurance rates from Mile Auto. The insurer’s liability rates start at just $60 per month.

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Cheapest recent rates near Modesto, California

Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $67/mo for full coverage in Modesto and other California cities.

*Quotes generated for Insurify users in and around Modesto, California within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Modesto, California within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated October 30, 2024

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Drivers in Modesto can expect to pay an average of $290 per month for full-coverage car insurance and $133 for liability-only coverage. The city’s rates are slightly higher than California’s average of $219 but lower than the national average of $158 per month.

A small city in California’s Central Valley, Modesto is a two-hour drive from the bustling Bay Area. With a population of about 218,000, it’s the 19th-largest city in California.[1] Modesto has one of the highest property crime rates in the state and one of the highest auto theft rates in the country, which may contribute to its relatively expensive car insurance rates for a rural city.[2]

California law requires all drivers to carry a minimum amount of auto insurance, so you’ll need to purchase coverage before getting behind the wheel. Premiums vary based on factors like your driving record, age, and location, so it’s crucial to compare car insurance quotes from multiple insurers before deciding on a policy.

Quick Facts
  • Mile Auto, Sun Coast, and Mercury are the cheapest car insurance companies for Modesto residents.

  • California is an at-fault insurance state, so the driver at fault in an accident is responsible for injuries and damage that result.

  • Insurers in California can’t use your credit history when determining car insurance rates.

Best and cheapest car insurance companies in Modesto

The cheapest car insurance for one driver isn’t necessarily the cheapest for all drivers, since each insurer weighs driving factors differently. Quote comparison is essential to find an insurance company that suits your needs at an affordable price.

Modesto drivers can find the best car insurance rates from Clearcover, Safeco, and Mile Auto. Well-known insurers, like State Farm, AAA, and GEICO, also offer competitive rates, but their average costs are higher.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Mercury8.0$184$98Affordability
National General6.8$328$132High-risk drivers
Mile Auto7.5$112$60Pay-per-mile insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Mercury

User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$94/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$175/mo
3.6
A solid optionBased on 467 verified guest reviews and ratings
How drivers feel about Mercury

Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury

Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (257)

Oscar

October 28, 2024

Verified Review

Excellent

Best price I have seen.

Marla

October 28, 2024

Verified Review

Sometimes confusing

It's difficult when all communication has to be done online.

Robert

October 28, 2024

Verified Review

Low Rates

I've been with them for 3 years and I still haven't received the policy. The good thing is that it's only $160.00 for 2 vehicles with full coverage and towing.
See all Mercury reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.48
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.

Pros
  • Numerous coverage options, discounts, and bundling opportunities

  • Competitive auto insurance prices

Cons
  • Only available in 11 states (including California)

  • Only available in 11 states (including California)

Best insurer for high-risk drivers: National General

User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$131/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$319/mo
3.3
A solid optionBased on 376 verified guest reviews and ratings
How drivers feel about National General

Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General

Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (197)

Hungwah

October 29, 2024

Verified Review

Try a few other companies, but the prices quoted were not competitive

If I can find a cheaper rate, I will switch.

Tasha

October 28, 2024

Verified Review

Review of Current Insurance

They are not a good company to get insurance with. I've never heard of a company not including towing in their insurance and still charging a lot for liability insurance.

Jean

October 28, 2024

Verified Review

Information Provided Upon Disaster

There is no transparency. NG is layered in different companies that do not provide answers, but point to each other. It is a shell game. Very disappointed.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Best insurer for pay-per-mile insurance: Mile Auto

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)

Cookie

October 15, 2024

Verified Purchase

Excellent

Low mileage rate.

Tasha

October 10, 2024

Verified Purchase

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas

October 8, 2024

Verified Purchase

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Mile Auto is a pay-per-mile car insurance company. How much you drive each month determines your rates — the more you drive, the more you pay, and vice versa. It can be a good option for Modesto drivers who drive infrequently or use public transportation.

Drivers submit odometer readings and allow the company limited access to location services, offering more privacy than other pay-per-mile insurers. Even though Mile Auto provides competitive rates, there might be cheaper options if you drive a lot since rates increase with each mile.

Pros
  • Straightforward pricing model

  • Lower rates for less driving

Cons
  • Not available in every state

  • Monthly odometer checks

Find Cheap Car Insurance in Modesto, California

Rates start at $60 for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How to get the cheapest car insurance in Modesto

Different factors, including age, location, and driving record, all affect how much you pay for car insurance. Even though you can’t change some of those factors, you can take steps to lower your insurance costs.

The following tips can help you find the cheapest car insurance in Modesto, CA:

  • Ask about discounts. Insurance companies usually offer a variety of discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance. Many insurers offer discounts for bundling your car insurance with homeowners, renters, or even life insurance.

  • Choose a higher deductible. A higher deductible means a lower premium. Just make sure you can afford to pay it out of pocket if you need to file a claim.

  • Keep a clean driving record. Drivers with clean records pay the cheapest rates. Try to drive responsibly and avoid traffic violations.

  • Shop around. Compare quotes from at least three auto insurance companies before buying a policy. Each insurer weighs factors differently — you may find cheaper rates for the same coverage from certain companies.

Cheapest liability-only car insurance in Modesto: Mile Auto

California requires drivers to carry liability car insurance. If you cause an accident, the policy helps pay for vehicle repairs and medical expenses for the other driver and their passengers. But it doesn’t help cover the cost of your repairs.

The cheapest insurer for liability-only car insurance in Modesto is Mile Auto, with an average cost of $60 per month. Here are the best insurance companies for liability-only coverage in Modesto.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$60
Sun Coast$75
Mercury$94
Anchor$100
USAA$116
National General$131
GEICO$154
Direct Auto$155
Allstate$160
Farmers$164
State Farm$178
Travelers$187
21st Century$203
Bristol West$223
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Modesto: Mile Auto

Full-coverage car insurance includes liability coverage, along with collision and comprehensive insurance, which provide more thorough protection and cover your own vehicle. Insurance experts recommend full coverage for most drivers, but if you have an old car that isn’t worth much, you may not need it.

The cheapest insurer for full-coverage car insurance in Modesto is Mile Auto, with an average cost of $111 per month. Here’s a look at the cheapest full-coverage car insurance quotes in Modesto.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$111
Mercury$175
Sun Coast$220
Anchor$233
USAA$239
GEICO$319
National General$319
Allstate$330
Farmers$339
Direct Auto$366
State Farm$368
Travelers$386
Bristol West$417
21st Century$420
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Modesto, California

Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $67/mo for full coverage in Modesto and other California cities.

*Quotes generated for Insurify users in and around Modesto, California within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Modesto, California within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

California mandates liability insurance, which ensures drivers can cover the vehicle repair and medical costs associated with any accidents they cause. Drivers in the state must have bodily injury and property damage liability coverage.[3]

California’s current minimum coverage amounts are some of the lowest in the country but will increase in January 2025.[4]

Coverage
Minimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident

Here are some additional car insurance policies you should consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If your car sustains damages due to something other than a collision, comprehensive coverage helps pay for repairs. It covers damage from theft, vandalism, and natural disasters, for example.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    When you collide with another vehicle or object, such as a telephone pole or a tree, collision coverage helps pay for your vehicle repairs or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection (PIP) coverage

    If you have injuries due to an accident, a personal injury protection policy helps pay for the costs of your medical treatment.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If another driver causes an accident and doesn’t have enough coverage, uninsured or underinsured motorist coverage helps pay for your vehicle repairs.[5]

How Much Car Insurance Do You Need?

How Much Car Insurance Do You Need?

California’s Low Cost Auto Insurance Program

Cheapest car insurance for drivers with an incident

Car insurance companies use driving record information to determine coverage costs. High-risk violations, like speeding tickets, driving under the influence (DUI) violations, and at-fault accidents, signify that drivers are more likely to file a claim, meaning it costs more for insurers to provide coverage.

Because of that, you can expect your car insurance rates to increase after an incident. But you can still find affordable rates if you take the time to compare companies. Here’s how much you can expect to pay for car insurance in Modesto with different violations on your driving record.

Shop for Car Insurance in Modesto, CA

Rates start at $74 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding tickets often cause your car insurance rates to increase, as speeding increases the likelihood of an accident — and a claim. Even though car insurance costs are higher after speeding, you can still find competitive rates.

The cheapest insurer for drivers with a speeding ticket in Modesto is Mile Auto, with an average cost of $77 per month. Here are the cheapest insurers in Modesto for drivers with a speeding ticket.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$60$77
Sun Coast$75$98
Mercury$94$126
Anchor$100$124
USAA$116$144
National General$131$164
GEICO$154$192
Direct Auto$155$193
Allstate$160$199
Farmers$164$203
State Farm$178$220
Travelers$187$235
21st Century$203$262
Bristol West$223$278
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

If you’re responsible for a car crash, it shows on your driving records as an at-fault accident. In California, it will stay on your motor vehicle record for three years. During that time, you can expect your car insurance rates to increase.

The cheapest insurer for drivers with an at-fault accident in Modesto is Mile Auto, with an average cost of $78 per month. Here are the best car insurance companies if you have an at-fault accident on your driving record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Mile Auto$60$78
Sun Coast$75$91
Mercury$94$125
Anchor$100$133
USAA$116$144
National General$131$163
GEICO$154$191
Direct Auto$155$196
Allstate$160$198
Farmers$164$202
State Farm$178$219
Travelers$187$233
21st Century$203$258
Bristol West$223$274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence is a high-risk violation that can cause your car insurance costs to increase dramatically. In California, convictions will stay on your driving record for 10 years. You may also lose your license, have to pay a fine, and could even spend up to six months in jail.[6] Your insurance company can also choose to cancel or not renew your policy.

It can be difficult to find affordable car insurance after a DUI. However, some insurers specialize in coverage for drivers with DUIs. You’ll need to research companies that offer coverage to drivers with DUIs and compare rates.

The cheapest insurer for drivers with a DUI in Modesto is Mile Auto, with an average cost of $92 per month. The following insurers offer the best quotes for drivers with a DUI in Modesto.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Mile Auto$60$92
Sun Coast$75$106
Mercury$94$131
Anchor$100$137
USAA$116$178
National General$131$201
GEICO$154$236
Direct Auto$155$238
Allstate$160$245
Farmers$164$251
State Farm$178$273
Travelers$187$287
21st Century$203$311
Bristol West$223$342
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Car insurance rates vary depending on a driver’s age. Drivers near retirement age pay some of the lowest rates for car insurance due to experience on the road and safe driving practices. It’s a great time to compare rates from multiple insurers and ensure you get the best deal since rates increase again around age 70.

The cheapest insurer for senior drivers in Modesto is Mile Auto, with an average cost of $47 per month. Here are the best car insurance options for seniors in Modesto.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$47$88
Sun Coast$67$196
Mercury$76$141
Anchor$80$187
USAA$96$199
National General$105$256
Direct Auto$126$298
GEICO$128$265
Allstate$134$276
Farmers$134$276
State Farm$144$298
Travelers$153$315
21st Century$158$327
Bristol West$186$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Teen drivers pay the highest rates for car insurance due to unsafe driving habits, like speeding and distracted driving. As a parent with a teenage driver, the expense of insurance can add up, but you can take steps to secure a lower rate.

Ask your insurer about multi-car and good student discounts, and keep your teenager on the family insurance plan for as long as possible. The most effective step you can take is to compare quotes from multiple insurers and ask questions before agreeing to a policy.

The cheapest insurer for teen drivers in Modesto is Mile Auto, with an average cost of $109 per month. Here are the best car insurance quotes for teenage drivers in Modesto.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$109$202
Sun Coast$113$331
Mercury$158$293
Anchor$160$372
USAA$180$370
GEICO$226$468
National General$242$590
Allstate$264$544
Direct Auto$264$623
Farmers$268$553
State Farm$282$584
Travelers$315$650
21st Century$318$658
Bristol West$350$655
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Car Insurance Rates in Modesto

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Is car insurance more expensive in Modesto?

Your location has a major effect on your car insurance rates. Modesto drivers pay an average of $212 per month for car insurance, slightly less than the national average. It’s right in the middle of the pack when it comes to California cities, however.

More cities in California

Even though Modesto is near the Bay Area, it’s in the Central Valley, which is quieter and more rural. Drivers in larger Bay Area cities, like San Francisco and Oakland, pay more for car insurance, but drivers in Santa Maria and Chula Vista pay significantly less than Modesto drivers.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Anaheim$148$302
Berkeley$134$249
Chula Vista$123$218
Fresno$128$252
Los Angeles$203$369
Oakland$155$309
Sacramento$140$310
San Diego$120$252
San Francisco$150$338
Santa Maria$101$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Modesto car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Modesto.

  • How much is car insurance in Modesto?

    On average, car insurance in Modesto costs $290 per month for full coverage and $133 for liability-only insurance. Your unique premium will depend on factors like your location, driving record, age, and gender.

  • Who has the cheapest car insurance in Modesto?

    Mile Auto offers the cheapest car insurance rates in Modesto, starting at $60 for liability-only coverage. Modesto drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates as low as $75 and $94, respectively.

  • What are the best car insurance companies in Modesto?

    Many reliable insurers offer coverage in Modesto, but Clearcover, Safeco, and Mile Auto stand out as the best car insurance companies. Clearcover offers the cheapest rates, Safeco caters to high-risk drivers, and Mile Auto is the best option for infrequent drivers in Modesto, offering affordable pay-per-mile insurance.

  • How much is car insurance per month in California?

    Car insurance in California costs an average of $219 per month. Drivers can expect to pay $142 for liability coverage and $296 for full coverage.

  • What is the minimum car insurance in California?

    All California drivers must carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, along with $5,000 per accident in property damage liability coverage.

  • Does credit score affect car insurance rates in California?

    No. California doesn’t permit insurers to consider your credit score when determining car insurance rates.[7]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "Modesto city, California."
  2. Neighborhood Scout. "Modesto, CA crime analytics."
  3. State of California Department of Motor Vehicles. "Insurance Requirements."
  4. Increase in Private Passenger Motor Vehicle Financial Responsibility Requirements. "California Department of Insurance."
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  6. California Department of Motor Vehicles. "CALIFORNIA DRIVER’S HANDBOOK."
  7. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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