Modesto, CA Car Insurance

The average cost for car insurance in Modesto is about $54 a month. To learn more about what you're likely to pay in the Modesto area, read our guide below.
How much can residents of Modesto expect to pay for their car insurance? Are rates in Modesto higher or lower than those in neighboring areas? How do they compare to the rest of California? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Modesto?

Area Average Monthly Car Insurance Premium
Modesto$54
CA$56
United States$80

Based on the chart above, you can see that the costs for coverage in Modesto are in line with rates across the rest of California.

Likewise, when compared to the national average, the cost for auto insurance in Modesto is lower. It's about $26 cheaper to insure your vehicle in Modesto compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Modesto, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't worry, we've done the work for you and broken down average rates for Modesto to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$105
18-24$87
25-34$48
35-44$43
45-54Not Enough Data
55-64$42
65+$45

The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $42 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Modesto.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$52

Car insurance rates for women are generally cheaper than they are for men. The difference in Modesto is around $5 per month. Based on the chart above, you can see that male drivers pay $57 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$93
1 Ticket$64
Multiple Tickets$89

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Modesto with a single accident on their record is about $64 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $97 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$55
4-5 Years$48
6-7 Years$57
8-10 Years$55
11-14 Years$56
15 Years or Older$53

If you look at the first table above, the cheapest vehicles to insure in Modesto are typically SUVs, at $50 per month.

Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $55 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Modesto, for example, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$45
Divorced$45
Widowed$39

On average, people who are married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Modesto, the difference in rates based on relationship status can be as much as $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$50
Live with parents$79

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Modesto, expect to pay about the same price if you were to own your home. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Modesto, CA

Recent trends in car insurance for Modesto drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when selecting an auto insurance policy.

In Modesto, auto insurance rates went up from 2016-2017, when they hit a high of $63. This pattern shifted in 2018, when they began to decrease, and have continued on that road through the present -- when insurance rates reached a low of $48 per month.

How does Modesto compare to neighboring areas?

Why are car insurance rates in Modesto different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Road Safety (frequency of local car accidents)
  • Local crime rates
  • Off-street parking access
  • Amount of drivers
  • Regional laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Modesto?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Modesto.

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Modesto Insurance FAQs

What factors affect car insurance quotes in Modesto?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Modesto different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Modesto?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Modesto?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Modesto or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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