Cheapest Auto Insurance in Modesto, California (2026)

Drivers in Modesto can expect to pay an average of $193 per month for full-coverage car insurance and $94 for liability-only coverage. The city’s rates are slightly higher than California’s average of $141 but lower than the national average of $136 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.

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
Mercury	7.5	$190	$98	Affordability
National General	7.0	$257	$88	High-risk drivers
Mile Auto	8.8	$108	$63	Pay-per-mile insurance

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

affordability

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User Reviews	4.0 318 reviews
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.	$98/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.	$188/mo

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Driver Reviews

4.0

Best choice in Modesto, CABased on 634 verified driver reviews and ratings

How drivers feel about Mercury

Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

Competitive rates

Rideshare drivers

Numerous discounts

How drivers feel about Mercury

Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

Competitive rates

Rideshare drivers

Numerous discounts

Showing 25 California reviews for Modesto drivers - See all 318 Mercury reviews

Fr

Verified Review

Less Expensive

Reviewed in California on March 11, 2026

Unsurpassed affordability.

Karen

Verified Review

My Experience with Mercury Insurance

Reviewed in California on February 1, 2026

My experience with Mercury is excellent. I have had the same agent ever since I first signed up with them, I believe, in the late 1990s. They have discounts I had never heard of and answer all questions immediately. My car is a 2016 Toyota Rav4 LE. I've always had full coverage, I drive very little, I bought it brand new, and I only have 37,389 miles on it, no tickets, no accidents, and no DUI ever. However, my insurance has doubled! I'm retired and live on Social Security. I can't afford insurance that used to be $645.76 per year in 2022, $908.76 per year in 2024, and $1,289.76 in 2025! My question is why is my insurance going up so much when I'm a good driver, have very low mileage, no accidents, and no tickets?

Howard

Verified Review

Automobile Insurance for Older Car with Low Mileage and Older Driver

Reviewed in California on January 20, 2026

The premium is very good in comparison with other more popular car insurance companies, especially when insuring a 28-year-old car with comparatively low miles and a driver over 70 years old.

Fred

Verified Review

Mercury Rates

Reviewed in California on January 16, 2026

No one has offered a lower rate than what I currently pay.

Jeffrey

Verified Review

Mercury - You Can Have 'Em

Reviewed in California on December 7, 2025

Never had a claim, but trying to get a hold of anyone at the office is a lesson in frustration. They jacked up my rates with no notice.

Ingrid

Verified Review

Frustrated

Reviewed in California on November 28, 2025

I was looking for new quotes and found the insurance rate is the best available in my area. However, I found your ads untrue. I did have to provide my age, sex, and phone number to get a quote.

Gregory

Verified Purchase

Saving Money

Reviewed in California on November 24, 2025

In the first month, I saved money!

Dolores

Verified Review

It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.

Reviewed in California on November 17, 2025

It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.

Cristy

Verified Review

Fair

Reviewed in California on October 30, 2025

They raise prices when least expected and do not consider that I have a perfect driving record.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

596

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.95

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 sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverages, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, including bundling auto with home or renters coverage. The company has an A rating from AM Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioners Complaint Index.

Pros

• Numerous coverage options, discounts, and bundling opportunities

• Competitive auto insurance rates

• Offers gap, custom equipment, and rideshare coverage add-ons

Cons

• Only available in 11 states (including California)

• Low claims satisfaction score from J.D. Power

• Bad 1.6/5 Trustpilot score

Best insurer for high-risk drivers: National General

high-risk drivers

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User Reviews	3.7 383 reviews
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 /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.	$87/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.	$254/mo

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Driver Reviews

3.7

A solid option in Modesto, CABased on 1,063 verified driver reviews and ratings

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Showing 18 California reviews for Modesto drivers - See all 383 National General reviews

Jamin

Verified Purchase

The option if you're out of options.

Reviewed in California on March 7, 2026

They only care about what they may have to pay out. They don’t bother to pursue the at-fault party’s insurance and stop responding once they’ve decided you aren’t owed anything. But it’s cheap, so you get what you pay for, I guess.

Dean

Verified Review

Quality of my Insurance Experience

Reviewed in California on January 14, 2026

Outstanding

Robert

Verified Review

I was told $120 a month for Gecko but when I tried to purchase it was $179

Reviewed in California on January 2, 2026

I was initially quoted $120 a month for Gecko insurance, but when I tried to purchase it, the price was $179.

Rene

Verified Purchase

Make it affordable

Reviewed in California on December 18, 2025

I’m probably paying too much for insurance! But you get what you pay for. I’m very happy with the service, but not happy about how much it costs!

Kathleen

Verified Review

Great customer service

Reviewed in California on December 7, 2025

They are very helpful and understanding.

Cuauhtemoc

Verified Review

Happy

Reviewed in California on December 5, 2025

Smooth and easy to work with.

Victor

Verified Purchase

Very Good Company

Reviewed in California on November 30, 2025

Make sure your auto payment is set up correctly.

Jill

Verified Purchase

It's great with a good price

Reviewed in California on November 21, 2025

Easy to work with.

Mitchell

Verified Review

Satisfied Customer

Reviewed in California on November 17, 2025

Great! I have not had to make a call, no accidents.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

599

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.25

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

National General is part of Allstate. The insurer offers personal and commercial car insurance, home insurance, renters coverage, and more through a nationwide network of independent agents. National General offers liability, collision, and comprehensive auto insurance. The company has an excellent A- rating from AM Best for financial strength and long-term credit, meaning National General should be able to pay policyholder claims. But the company has nearly six times the expected number of complaints in the National Association of Insurance Commissioners Complaint Index.

Pros

• Has 24-hour claims processing

• Offers $500 emergency expense allowance

• Low-mileage drivers could save with DynamicDrive program

Cons

• Poor customer reviews with Better Business Bureau

• Quotes may be higher than some competitors

• Bad 1.6/5 Trustpilot score

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

pay-per-mile Insurance

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User Reviews	4.5 66 reviews
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.	8.8 /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.	$70/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.	$120/mo

Show Details

Driver Reviews

4.5

Best choice in Modesto, CABased on 192 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Modesto for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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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.

2.18

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 $82 for liability coverage

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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: USAA

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 USAA, with an average cost of $82 per month. Here are the best insurance companies for liability-only coverage in Modesto.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$82
National General	$87
Sun Coast	$90
Dairyland	$93
Mercury	$98
GEICO	$101
Root	$104
Allstate	$113
Direct Auto	$116
Farmers	$116
Anchor	$118
Bristol West	$119
State Farm	$126
Travelers	$132
21st Century	$144
Nationwide	$177

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Modesto: Root

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 Root, with an average cost of $181 per month. Here’s a look at the cheapest full-coverage car insurance quotes in Modesto.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Root	$181
USAA	$185
Mercury	$188
GEICO	$198
Anchor	$201
Sun Coast	$224
Dairyland	$231
National General	$254
Allstate	$255
Farmers	$262
Bristol West	$277
State Farm	$284
Travelers	$299
Direct Auto	$307
21st Century	$325
Nationwide	$400

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto 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 lawmakers approved an increase in coverage limits, which will take effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:^[4]

Coverage	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$15,000 per person / $30,000 per accident	$30,000 per person / $60,000 per accident
Property damage liability	$5,000 per accident	$15,000 per accident

Here are some additional car insurance policies you should consider:

• 

  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.

• 

  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.

• 

  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.

• 

  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]

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 $102 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

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 USAA, with an average cost of $106 per month. Here are the cheapest insurers in Modesto for drivers with a speeding ticket.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$82	$106
National General	$87	$109
Sun Coast	$90	$114
Dairyland	$93	$117
Mercury	$98	$137
GEICO	$101	$132
Root	$104	$139
Allstate	$113	$148
Direct Auto	$116	$146
Farmers	$116	$149
Anchor	$118	$147
Bristol West	$119	$150
State Farm	$126	$160
Travelers	$132	$172
21st Century	$144	$190
Nationwide	$177	$231

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

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

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 USAA, with an average cost of $107 per month. Here are the best car insurance companies if you have an at-fault accident on your driving record.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
USAA	$82	$107
National General	$87	$112
Sun Coast	$90	$112
Dairyland	$93	$120
Mercury	$98	$144
GEICO	$101	$128
Root	$104	$135
Allstate	$113	$147
Direct Auto	$116	$154
Farmers	$116	$150
Anchor	$118	$150
Bristol West	$119	$152
State Farm	$126	$162
Travelers	$132	$173
21st Century	$144	$190
Nationwide	$177	$231

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

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 USAA, with an average cost of $114 per month. The following insurers offer the best quotes for drivers with a DUI in Modesto.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
USAA	$82	$114
National General	$87	$121
Sun Coast	$90	$117
Dairyland	$93	$129
Mercury	$98	$142
GEICO	$101	$139
Root	$104	$145
Allstate	$113	$157
Direct Auto	$116	$161
Farmers	$116	$161
Anchor	$118	$166
Bristol West	$119	$166
State Farm	$126	$175
Travelers	$132	$184
21st Century	$144	$188
Nationwide	$177	$246

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

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 USAA, with an average cost of $68 per month. Here are the best car insurance options for seniors in Modesto.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
USAA	$68	$153
National General	$70	$204
Dairyland	$80	$199
Mercury	$80	$153
Sun Coast	$81	$201
GEICO	$82	$161
Root	$89	$154
Allstate	$94	$211
Farmers	$94	$212
Direct Auto	$95	$253
Anchor	$98	$167
State Farm	$101	$228
Bristol West	$101	$235
Travelers	$108	$244
21st Century	$116	$261
Nationwide	$138	$313

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

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 USAA, with an average cost of $153 per month. Here are the best car insurance quotes for teenage drivers in Modesto.

The below rates in Modesto, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
USAA	$153	$346
Dairyland	$161	$400
Sun Coast	$167	$415
National General	$178	$520
Root	$182	$316
Mercury	$183	$352
GEICO	$183	$358
Anchor	$210	$358
Bristol West	$215	$500
Direct Auto	$225	$597
Allstate	$226	$510
Farmers	$233	$527
State Farm	$247	$557
21st Century	$262	$592
Travelers	$277	$627
Nationwide	$350	$790

Disclaimer: Table data sourced from real-time Modesto car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Modesto may vary based on the policy buyer's unique driver profile.

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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 $143 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	$107	$206
Berkeley	$99	$215
Chula Vista	$80	$168
Fresno	$84	$177
Los Angeles	$154	$297
Oakland	$101	$232
Sacramento	$103	$208
San Diego	$84	$173
San Francisco	$104	$248
Santa Maria	$70	$159

Disclaimer: Table data is based on real-time Modesto quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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