Best cheap car insurance in Modesto

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The best car insurance premiums in Modesto take a little work to uncover. The average annual rates for the city are $765 for minimum coverage and $2,097 for full coverage insurance. Considering that the city’s average population is young at around 34, finding savings is crucial since younger drivers typically pay more for vehicle insurance.

Taking advantage of discounts can help you beat the average cost of coverage in the city — but first, you need to know where to find the best cheap car insurance in Modesto. We’ve taken some of the guesswork out of the process by evaluating prices, ratings and customer reviews for carriers providing coverage in Modesto.

Best car insurance companies in Modesto

Getting car insurance quotes in Modesto is a good way to get started. But which companies should you compare? The following companies provide the best and cheapest car insurance rates in Modesto.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Grange NR $541 $1,990
Geico 828 / 1,000 $549 $1,606
AAA 848 / 1,000 $566 $2,102
Wawanesa 853 / 1,000 $658 $1,527


Grange is the cheapest option in Modesto for drivers in search of the basic minimum car insurance. There are more than a dozen discounts available, including loyalty, student, advance quote and new beginnings. Besides the discounts, Grange’s insurance options are comprehensive. You can insure your pet in case it’s injured in an accident, opt for full glass repair or add original equipment manufacturer coverage, which allows you to repair your vehicle using dealer or manufacturer parts.


Geico is often on the list of cheapest car insurance companies. The insurer has the longest list of discounts of the companies we picked, with 16 options to date. Geico isn’t just a cheap carrier though — customers are happy with the service they receive from the insurance company. Geico scores above average in customer satisfaction in J.D. Power’s California study, with a rating of 828 out of 1,000.


AAA makes the list of best cheap car insurance in Modesto, but it’s the only carrier on the list that doesn’t provide coverage for everyone. You’ll need to join the club to access its affordable vehicle coverage. Membership costs $56 to $119 per year. It comes with other perks which could offset the cost, such as roadside assistance and member discounts for travel.

Even if you don’t take advantage of the member perks, membership may be worth the expense if you can save at least that much on your car insurance. Fortunately, you can get car insurance quotes from AAA online for free before you commit to the membership fee.


Wawanesa offers the cheapest full coverage car insurance in Modesto. Full coverage is more expensive than minimum coverage, but Wawanesa’s rates are lower due to the number of discounts the company offers. A couple of the most significant ways to save available through Wawanesa are multi-policy and good driver discounts.

Cheapest car insurance in Modesto

The average cost of car insurance in California is $733 per year for minimum coverage and $2,065 per year for full coverage car insurance. Modesto’s average annual premiums are on par, at $765 per year for minimum coverage and $2,097 per year for full coverage.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $549 $1,606
AAA $566 $2,102
Mercury $664 $1,685
Travelers $675 $1,877
Progressive $679 $1,748

Don’t forget to read the terms and conditions carefully when you receive quotes — some insurance carriers are known to give you quotes for six months of coverage instead of one year, appearing cheaper than they really are.

Modesto insurance requirements

Modesto drivers need a minimum amount of liability insurance to legally drive:

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

The minimum ensures you won’t get fined for driving without insurance, but doesn’t do much to financially protect you if you cause damage to your vehicle. Liability insurance only pays for losses, injuries and repairs to others when you’re at fault in an accident. To expand on coverage to include your car, you should consider full coverage car insurance that includes collision and comprehensive insurance. You may not have a choice — if you’re leasing a vehicle or planning on financing one, the lender or dealer may require you to have full car insurance.

Car insurance discounts in Modesto

The most significant discounts all Modesto drivers should consider taking advantage of include:

  • Multi-car: If you ensure more than one car with your insurer, you may be able to reduce your premiums.
  • Telematics: Many insurers offer programs that use telematics (a device installed in your car or an app installed on your phone) to track your driving habits. If you drive safely you may be eligible for a discount.
  • Safe driver: Avoiding tickets, accidents and claims may save you money on your car insurance.

Frequently asked questions

What is the best car insurance company?

The best car insurance company depends on a number of personal factors. The best car insurance company for you may be different from the best car insurance company for your friend or neighbor. Rates depend on your driving history, make and model of car, credit score, gender and more. Shop around and compare rates and discount opportunities to find the best car insurance for you.

How much does car insurance in Modesto cost?

The average annual car insurance Modesto rates are $765 per year for minimum coverage and $2,097 per year for full coverage.

What’s the difference between full and minimum car insurance?

Minimum car insurance is the least amount of coverage you can have to legally drive. However, it only pays for third-party damages. Full coverage expands on basic coverage by adding collision and comprehensive insurance to include protection for your vehicle.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN,, and She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.