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Modesto, CA Car Insurance Costs

Modesto, California, located in the heart of the Central Valley, is a vibrant city with a rich agricultural heritage, a diverse community, and a thriving arts scene. Known as the “City of Water, Wealth, Contentment, and Health,” Modesto offers quite a few option from local car insurance providers, if you’re looking for the best car insurance coverage. We will break down the costs of auto insurance for different policy options in the city throughout this guide.

• On average you can expect to pay $86 monthly or $1,032 yearly for state minimum liability coverage and $302 monthly or $3,629 yearly for a full coverage auto policy in Modesto and West Modesto.

• InsuranceQuotes rates are pulled from our real-time auto insurance cost database from multiple drivers and quotes – it is based on a used car driver who is single, middle aged and has a clean driving record with no prior violations.

Which Provider Has the Cheapest Auto Insurance in Modesto, CA?

In Modesto, CA on average the cheapest auto insurance provider is GEICO and TripleA – AAA. State minimum coverage starts at $53 monthly or $641 a year – Full coverage would cost $206 a month or $2,467 a year. Here is a breakdown of average costs from the cheapest providers for a used car driver who is single, middle aged and has a clean driving record:

California Insurance Costs for Different Used Vehicle Types:

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.

California Insurance Costs for New Cars

We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.

Car Insurance Requirements in CA

In California cities the minimum coverage for car insurance and liability insurance required is:

• $15,000 for injury/death to one person
• $30,000 for injury/death to more than one person
• $5,000 for damage to property

How Does Age Affect Your Auto Policy Rates in California?

In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.

Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.

Here is a breakdown of the average costs for car insurance based on age in California:

Compare Rates from Other CA Cities

In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage: