Car Insurance in Modesto, CA


Providing a fast and stress-free experience when looking for auto insurance in Modesto.





Auto Insurance in Modesto and What You Need to Know



Shopping for estimates on auto insurance in Modesto from companies is critical if you would like to find affordable auto insurance in the city. The purchase price of what your acquaintances and friends cover for auto insurance in Modesto will fluctuate based on numerous factors--such as your age, driving, and location history. To help lessen some of your legwork on shopping for auto insurance in Modesto, we have gathered auto insurance rates for you in the city. We have found the alternatives for many sorts of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance from the city.

Percentage increase in Modesto car insurance costs compared to national average

25.37 %

Percentage increase in Modesto car costs compared to average in California

4.44 %

Percentage decrease in Modesto car insurance costs compared to most expensive in California

16.7 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Discover what driving with coverage in Modesto can give you knowing that everything and everyone is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Modesto with a minimum liability auto insurance coverage plan. You are always better off being protected than not being protected whatsoever.

High Risk Car Insurance

Finding the best high risk car insurance in Modesto can be daunting. We help you weave through the noise so you can get the best car insurance rate in Modesto should you a high risk coverage plan.

Home and Auto Insurance

Bundle your home and auto insurance coverage in Modesto so you save and can manage companies that are less. Learn if a house and auto insurance package is right for you.


Your Driving Record Matters When Getting Auto Insurance in Modesto

We seen the story before or have been a part of it. You're getting quotes for car insurance in Modesto and looking for the best bargain on an insurance program. You receive a car insurance quote which 's cheap and gives all the coverage choices you 're searching for. However, afterward the insurance carrier comes back and informs you that the complete cost of this insurance premium is more important than you were quoted. What happened? It may be caused by insurance points. The amount of points added to a driver's document for a crime varies by location.


best home and auto insurance Modesto CA

Your Type of Car Plays a Role on Car Insurance Costs in Modesto

For certain sorts of vehicles, you will find an range of variables that decide how much you will pay for auto insurance in Modesto. The horsepower your vehicle receives, the likelier you will speed and confront the danger of a crash. They are more expensive to cover, since cars with more power are involved in more accidents. But a SUV could push the purchase price of your auto insurance in Modesto up due to its capability to inflict a more substantial quantity of damage on other vehicles. If you are seeking to get the most inexpensive car insurance, consider cars in the midsize group sedans, midsize SUVs, or minivans. A vehicle's worth weighs significantly on the price. It's best to think about lower-priced vehicles in the event you're on the lookout for additional insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car2,000.72
Luxury1,845.65
SUV1,703.82
Van1,567.67
Truck1,531.74



best home and auto insurance Modesto CA

Cost of Car Insurance in Modesto by Gender and Marital Status

Gender is no longer a factor which can be used to calculate auto insurance prices. Married couples are more likely to be given a auto insurance rate than individuals. Individuals have a greater likelihood of accidents than married women and men. Besides young singles, elderly widows and divorced people see higher costs on auto insurance in Modesto. You may be given a discounted insurance fee for having a partner. But that practice is not prevalent. The simple fact is that couples are not inclined to get into car accidents. There are a number of theories about why this may be the situation; some sources state married motorists often drive less than their single counterparts. Sources hypothesize that motorists have less risky and significantly more stable lifestyles compared to singles. Either way, you just got married or are married, if, then you could qualify for discounted car insurance rates in Modesto.

Where You Live in Modesto Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Modesto

12 %

Annual savings for car insurance in medium sized cities near Modesto

6 %


The five-digit quantity which informs the post office where you live can save or cost you thousands of dollars annually on car insurance in Modesto. The discrepancies in automobile insurance coverage costs by zip code have related to the crime and little to do with all the manufacturers and models of cars. Cities with high levels of theft claims and injuries see higher insurance premiums because zip codes are lumped by firms jointly. City drivers almost always pay more than those that reside in the country. More cars mean more accidents to put it differently. Other factors that are considered when businesses are pricing your auto insurance in Modesto would be the status of the roads on your zip code. Zipcodes with roads which are less developed may even see auto insurance rates.

Average Costs of Auto Insurance in Modesto by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,395.67
Auto Insurance with Comprehensive Only1,646.88
Auto Insurance with Comprehensive and Collision2,428.44


Your Credit Affects Your Car Insurance Costs

Apart from the sort of automobile and your history you drive, your credit rating can affect what you pay for auto insurance in Modesto. Many companies utilize insurance coverage when deciding the price of your car insurance rates. Studies indicate that using this score helps whenever someone is likely to get into an accident insurance is predicted by insurance companies. In fact, 92 percent of the car insurance companies in Modesto now think about your credit rating when calculating how much you will pay for auto insurance. A car insurance coverage makes it possible for insurers to estimate the most acceptable rate for every single client. Therefore, in the long term, yes, your credit rating can affect your costs on auto insurance in Modesto. Even though your credit history plays when it comes to pricing your auto insurance, it is important to focus on the items you can control, such as paying your bills on time and keeping an eye.

Average car insurance rate changes in Modesto based off credit scores.

70 %

Max car insurance rate changes in Modesto based off credit scores

144 %


92 percent of the car insurance companies in Modesto now consider your credit rating when calculating how much you will pay for auto insurance.



Modesto Car Insurance Rates by Age

The rates for auto insurance in Modesto vary by age category. This is because certain age groups are significantly more of a liability to pay than others due to a higher likelihood of injuries and claims that are costly. The drivers have a propensity exhibit behavior that is more reckless than older drivers and to have the maximum quantity of traffic incidents. They're the most costly to insure as a consequence. Auto insurance prices in Modesto fall off for adults once they begin to settle around age because they get more experience and also get into injuries in comparison with teens. This trend continues until motorists reach their seventies, where auto insurance prices begin to grow. But even though age is one of the most crucial variables that play into the cost of car insurance in Modesto, the effect of age on auto insurance rates could vary wildly from state to state. However, you will see that the drivers paying the sum for an Modesto auto insurance plan.

best home and auto insurance Modesto CA


Getting the Best Auto Insurance Rates in Modesto


Shopping for and buying auto insurance in Modesto may seem to be an cost and experience. Still, it's one that you may do to protect you from financial loss associated with automobile theft, a traffic collision, natural disaster, or another event. None of us wants to spend more than we will need to for getting auto insurance in Modesto, but it's not always clear how to secure auto insurance prices. The only way to make sure that you're getting the cheapest rate possible is to search around. Insurers supply an range of discounts, which may mean lower insurance prices if they're even looking to bundle their car insurance or who meet requirements that are specific. Just take the chance to analyze the prices across different vendors and compare them before you choose which sort of auto insurance in Modesto is excellent for you. And if you need help with that process, we are here to help you.