Cheapest Car Insurance In Modesto, CA 2025
GEICO offers the most affordable minimum coverage car insurance in Modesto, costing around $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Modesto, CA, can be challenging since prices differ widely.
If you’re after the lowest price for liability-only coverage, GEICO is the top choice. On the other hand, Progressive provides the best rates for full coverage, while State Farm has the most affordable options for young drivers.
Cheapest And Best Car Insurance Companies In Modesto, California 2025
Cheapest Liability-only Car Insurance In Modesto: State Farm
In Modesto, GEICO offers the most affordable minimum coverage car insurance, averaging $37 per month.
Refer to the table below to see how different insurance providers compare in terms of rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Cheapest Full Coverage Insurance Rates In Modesto: Erie
Progressive offers the lowest rates for full coverage car insurance in Modesto, with an average monthly cost of $92.
The table below shows average car insurance quotes from budget-friendly providers in Modesto.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $996 |
| Auto-Owners | $86 | $1,032 |
| American Family | $104 | $1,248 |
| Nationwide | $107 | $1,284 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Erie
State Farm offers the most affordable car insurance for seniors in Modesto, with an average monthly rate of $87.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $70 | $840 |
| Auto-Owners | $64 | $768 |
| GEICO | $69 | $828 |
| Nationwide | $75 | $900 |
Cheapest Rates In Modesto For Teenagers: State Farm
In Modesto, teenage drivers can get the most affordable quotes from State Farm, with average monthly premiums of $313.
The table below lists the insurance companies offering the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $131 | $1,572 |
| Auto-Owners | $152 | $1,824 |
| USAA | $167 | $2,004 |
| Nationwide | $200 | $2,400 |
| Safeco | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Modesto: Clearcover
In Modesto, young adults can get the lowest insurance quotes from State Farm, with an average monthly rate of $238.
The table below allows you to compare the most affordable auto insurance rates for young adults in Modesto.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $70 | $840 |
| USAA | $97 | $1,164 |
| National General | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Car Insurance In Modesto For Good Drivers: State Farm
GEICO offers the most affordable car insurance for good drivers in Modesto, with rates averaging $37 per month.
Safe drivers can refer to the table below to compare average quotes from budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Find affordable Modesto rates
Cheapest Car Insurance In Modesto After A Speeding Ticket: State Farm
State Farm is one of the most affordable options in Modesto, offering average monthly rates of $176 for drivers with a speeding ticket.
The table below shows the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, averaging $193 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Modesto For Drivers After A DUI: State Farm
State Farm offers the lowest insurance rates for drivers with a DUI, with Modesto residents paying an average of $188 per month.
The table below shows the most affordable insurance rates for Modesto drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Modesto
AAA offers the cheapest insurance in Modesto at $83 per month, but drivers may also find good rates with Progressive at $90 or GEICO at $93.
Below is a list of the top 10 car insurance providers in Modesto, CA, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $42 |
| Auto-Owners | $48 |
| GEICO | $52 |
| American Family | $59 |
| Progressive | $68 |
| Nationwide | $63 |
| Erie | $49 |
| Safeco | $66 |
| Allstate | $90 |
| Travelers | $98 |
Average Auto Insurance Rates In Modesto – By Age
Age plays a major role in determining car insurance rates. Younger drivers often face higher premiums because they have less experience and are more likely to be involved in accidents or traffic violations. Teen drivers typically pay about $7,599 per year for coverage.
Once drivers turn 25, their insurance rates typically start to drop—provided they have a clean driving record.
Drivers in their 50s and early 60s often get the best insurance rates, as companies use age to measure experience and risk when setting premiums.
| Age | Average Yearly Rate |
| Teenagers | $2,432 |
| 20s | $1,569 |
| 30s | $1,094 |
| 40s | $1,074 |
| 50s | $991 |
| 60s | $970 |
| 70s | $1,066 |
Average Rates In Modesto – By Vehicle
The kind of car you drive greatly affects your insurance rates. Insurers consider the make, model, year, and body type, with newer luxury vehicles often costing more to insure due to their advanced features and high replacement costs.
The table below shows the average insurance rates for various vehicle types in Modesto.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $98 |
| Ford Escape | $182 |
| Hyundai Sonata | $105 |
| Jeep Cherokee | $312 |
| Kia Rio | $92 |
Average Cost Of Auto Insurance In Modesto – By Zip Code
Insurance companies use zip codes to assess crime rates, which is why car insurance costs vary by location.
The table below shows the average car insurance rates for various zip codes in Modesto.
| City | Average Monthly Rate |
| 45404 | $90 |
| 45449 | $81 |
| 45406 | $118 |
| 45414 | $90 |
| 45434 | $110 |
How Much Is Car Insurance In Other Cities in Ohio?
Where you live has a big impact on your car insurance costs. Insurers consider factors like accident rates, car theft, and vandalism, which tend to be higher in cities, leading to increased premiums.
In Los Angeles, drivers typically pay about $243 per month for car insurance, whereas those in San Diego see lower rates, averaging $176 per month.
| City | Average Monthly Rate |
| Youngstown | $105 |
| Hamilton | $96 |
| Columbus | $118 |
| Lima | $92 |
| Groveport | $144 |
| Canton | $90 |
| Springfield | $80 |
| Akron | $100 |
| Cleveland | $117 |
| Cincinnati | $110 |
Find affordable Modesto rates
Our Methodology
After analyzing factors like customer service, coverage options, pricing, and online reviews, I’ve put together a detailed overview of car insurance providers in Modesto, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Modesto?
In Modesto, GEICO offers the cheapest rates for state-minimum coverage, while Progressive has the most affordable full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Modesto?
Car insurance in Modesto costs an average of $180 per month, though rates can change depending on your zip code, vehicle type, driving history, and other factors.
