Best cheap car insurance in Modesto

It takes some effort to find the best car insurance rates in Modesto. For minimum coverage, the average annual rate is $765 and for full coverage insurance it’s $2,097. The city’s average age is around 34. Savings are important because younger drivers tend to pay more for vehicle insurance.

Discounts can be a great way to lower the cost of your coverage. But first, you must know where to get the best Modesto cheap car insurance. We have analyzed the ratings, customer reviews, and prices of Modesto-based carriers to help you make an informed decision.

The best car insurance companies of Modesto

It’s a great way to start your search for car insurance in Modesto. What companies should you compare? These companies offer the lowest and best-quality car insurance rates for Modesto.

Insurance companyJ.D. J.D.Minimum coverage: Average annual premiumFor full coverage, the average annual premium
Geico828 / 1,000$549$1,606
AAA848 / 1,000$566$2,102
Wawanesa853 / 1,000$658$1,527


Grange is the best option for Modesto drivers looking for basic car insurance. There are more discounts than you might think, such as loyalty, student, advance quotation, and new beginnings. Grange offers comprehensive insurance. Grange offers comprehensive insurance options. You can choose to insure your pet in the event that it is injured in an accident.


Geico often appears on the list of most affordable car insurance companies . With 16 choices, the insurer boasts the most extensive list of discounts among the companies we selected. Geico isn’t just a cheap carrier. Customers are satisfied with the service they get from the insurance company. J.D. Power rates Geico higher than average for customer satisfaction. Power’s California study rated Geico 828 out 1000.


AAA is the best affordable car insurance in Modesto. However, it’s not the only carrier that does not provide coverage for all. To access the club’s affordable vehicle coverage, you will need to sign up. A membership costs $56 to $119 each year. Other perks, such as roadside assistance or member discounts on travel, can offset the expense.

Even if the benefits are not available to you, it may still be worthwhile to join if you can save at most that much on your car insurance. You can obtain car insurance quotes online without paying a membership fee.


Wawanesa provides the best full coverage auto insurance in Modesto. Wawanesa offers discounts, so full coverage will cost more than minimum coverage. Wawanesa offers two major ways to save: multi-policy discounts and good driver discounts.

Modesto has the lowest car insurance

California’s average cost for car insurance is $733 per annum for minimum coverage, and $2,065 for full coverage. Modesto has an average annual premium of $765 for minimum coverage, and $2,097 for full coverage.

Insurance CompanyAverage Annual Premium for Minimum InsuranceAverage annual premium for full coverage

When you get quotes, make sure you read all the terms and conditions. Some insurance companies will give you quotes for 6 months instead of 1 year. This can cause them to appear cheaper than they actually are.

Modesto insurance requirements

To legally drive in Modesto, drivers must have minimum liability insurance

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

While the minimum will not result in you being fined for driving without insurance it doesn’t provide financial protection if you cause harm to your vehicle. If you are at fault for an accident, liability insurance does not cover losses, injuries or repairs. You should consider comprehensive and collision insurance to increase your coverage. If you lease a car or plan to finance one, you may be required to have comprehensive insurance.

Modesto car insurance discount

These are the most important discounts Modesto drivers need to take advantage of:

  • Multi-car: You may be eligible to lower your premiums if you have more than one vehicle insured by your insurer.
  • Telematics: There are many insurance companies that offer programs that use telematics to monitor your driving habits. You may be eligible to receive a discount if you drive safely.
  • Safety driver: Avoiding accidents, tickets and claims can help you save money on your car insurance.

Questions frequently asked

Which is the best auto insurance company?

There are many factors that go into determining the best auto insurance company. Your best choice of car insurance company may not be the same as that of your neighbor or friend. Rates are dependent on your driving record, credit score, gender, and other factors. Compare rates and discounts to find the best car coverage for you.

What is the cost of car insurance in Modesto?

Modesto’s average car insurance rates per annum are $765 for minimum coverage and $2.097 for full coverage.

What is the difference between minimum and full car insurance?

The minimum amount of coverage that you are allowed to drive legally is called minimum car insurance. It does not cover third-party damage. You can add collision or comprehensive insurance to your basic coverage. This will provide additional protection for your vehicle.