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Cheap Auto Insurance Quotes in Modesto, CA (January 2022)

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Last Updated: January 2022

Car Insurance in Modesto, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Modesto, CA to find you the cheapest quotes in the area.
$79
$79
$108
$122
State FarmGEICONationwideMercury

Cheapest Car Insurance in Modesto, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$116
$149
$100
$100
$132
$97
CaliforniaLos AngelesSan DiegoSan JoseSan FranciscoModesto
Click here to learn about car insurance quotes and save on your current policy.

Modesto, CA Driving Facts

california

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Find local Modesto agents

Omega Pacific Insurance Solutions
1016 12th Street, Modesto, CA 95354
Capax - Giddings, Corby, Hynes, Inc.
4335 North Star Way, Modesto, CA 95356
The Giuliano Insurance Agency Inc: Allstate Insurance
1508 Coffee Rd Ste G, Modesto, CA 95355
DiBuduo and DeFendis Insurance Agency, Inc
1560 Cummins Drive, Suite A, Modesto, CA 95351
Winton-Ireland Insurance Agency, Inc.
1100 14th Street, Suite C, Modesto, CA 95354
Micheletti Alternative Insurance Solutions
300 Banner Court, Suite 1, Modesto, CA 95356
Central Auto Insurance Agency - Auto Insurance Modesto
2225 Plaza Pkwy suite c-17, Modesto, CA 95350
SaveDirect Insurance Agency
1800 Tully Rd G, Modesto, CA 95350
Modesto Insurance Center
3025 McHenry Ave m, Modesto, CA 95350
Silva Insurance
3507 Tully Rd #100, Modesto, CA 95356

Insurify Insights: How Modesto Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Modesto, CA
suspended licenses
#20
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Modesto drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Modesto

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Modesto drivers rank 140 in the number of car accidents per driver across all cities in California.

  • Rank within state: #140
  • Percent of drivers in Modesto with an accident: 10.41%
  • Drivers in Modesto, CA with an accident in their driving history paid on average 44.74% more than drivers with a clean record

Speeding in Modesto

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Modesto drivers rank 60 in the number of speeding infractions per driver.

  • Rank within state: #60
  • Percent of drivers in Modesto with a speeding ticket: 8.71%
  • Drivers in Modesto, CA with a speeding ticket in their driving history paid on average 63.16% more than drivers with a clean record

DUI/DWIs in Modesto

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Modesto drivers rank 61 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #61
  • Percent of drivers in Modesto with a DUI: 2.97%
  • Drivers in Modesto, CA with a DUI in their driving history paid on average 59.21% more than drivers with a clean record

Most Popular Vehicle in Modesto

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Modesto is the Toyota Camry.

Rude Drivers in Modesto

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Modesto drivers rank 81 in rude driving infractions.

  • Rank within state: #81
  • Percent of drivers in Modesto with a reckless driving violation: 1.58%
  • Drivers in Modesto, CA with a reckless driving violation in their driving history paid on average 68.42% more than drivers with a clean record.

Safest Drivers in Modesto

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Modesto drivers rank 41 in clean driving records across all cities in California.

  • Rank within state: #41
  • Percent of drivers in Modesto with clean record: 80.82%

Failure to Yield the Right of Way in Modesto

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Modesto drivers rank 41 in failure to yield violations per driver across all cities in California.

  • Rank within state: #41
  • Percent of drivers in Modesto with a failure to yield violation: 0.25%
  • Drivers in Modesto, CA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Modesto

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Modesto drivers rank 29 in the number of reckless driving offenses per driver.

  • Rank within state: #29
  • Percent of drivers in Modesto with a reckless driving offense: 0.13%

Hybrid/Electric Vehicle Ownership in Modesto

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Modesto drivers rank 191 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #191
  • Percent of drivers in Modesto with a hybrid/electric vehicle: 1.09%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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