Compare the Cheapest Car Insurance Quotes in Modesto, CA

Progressive offers the cheapest average full coverage and minimum liability car insurance in Modesto, but your profile and coverage decide the best for you. With a slate, Esurance is the lowest. USAA is an low-cost insurance company if you have a military backdrop. MoneyGeek determined AAA is the best insurance company in Modesto for balancing timbre service and affordability .iconribbon best car indemnity Modesto

2022

The Cheapest and Best Car Insurance in Modesto

The Cheapest Car Insurance Companies in Modesto

In Modesto, the most low-cost car insurers, on median, for a full coverage policy are :

  • Progressive: $995 per year
  • Esurance: $997 per year

USAA offers active agent military and veterans a adept monetary value of $ 1,118 per annum. Travelers is the most expensive for a full coverage policy at $ 1,646 annual, which is 39 % more than the cheapest option in Modesto, Progressive. A full coverage policy includes comprehensive and collision coverage to protect you from price to your cable car. The monetary value of your policy depends on the charge of liability coverage you choose .

Cheapest Car Insurance in Modesto

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .Progressive

    $995

  • 2 .Esurance

    $997

  • 3 .USAA

    $1,118

  • 4 .GEICO

    $1,185

  • 5. CSAA

    $1,268

  • 6 .MetLife

    $1,272

  • 7 .Allstate

    $1,273

  • 8 .Mercury

    $1,321

  • 9 .State Farm

    $1,405

  • 10 .Hartford

    $1,434

  • 11 .Farmers

    $1,479

  • 12. Allied

    $1,563

  • 13 .Travelers

    $1,646

MoneyGeek ’ randomness rates are based on the profile of a 40-year-old male driver in Modesto with a entire coverage policy, as our methodology states. In Modesto, you pay more for a full coverage policy since it includes collision and comprehensive coverage ; minimum coverage insurance entirely has liability .

  • Collision coverage: compensates if you hit another vehicle or stationary object.
  • Comprehensive coverage: compensates in case your car is damaged due to risks such as vandalism.

For drivers with older cars, a broad coverage policy may not be best if it costs more than the cable car ’ south rate. Opting for minimum liability insurance may be a better option .

Compare Car Insurance Rates in Modesto

see you ‘re getting the best pace for your cable car insurance. Compare quotes from the top indemnity companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Modesto for Minimum Coverage

Whether in Modesto or elsewhere, your annual premiums are affected by the total of coverage you buy. A state minimum liability-only policy typically costs $ 629, while the price of a full coverage policy averages around $ 1,320 per year. That is a difference of approximately $ 690 .

Cheapest Minimum Liability Car Insurance in Modesto

state Minimum

  • company State Minimum

    per year

  • 1 .Progressive

    $436

  • 2 .USAA

    $472

  • 3 .GEICO

    $501

  • 4. CSAA

    $516

  • 5 .Mercury

    $557

  • 6 .Esurance

    $562

  • 7 .Travelers

    $629

  • 8 .MetLife

    $669

  • 9 .State Farm

    $691

  • 10 .Hartford

    $718

  • 11 .Allstate

    $737

  • 12. Allied

    $755

  • 13 .Farmers

    $783

When you purchase a state minimal coverage policy in Modesto, you get the bum rate and minimal liability requirements set by California, 15/30/5, plus uninsured motorist coverage. Although your monthly premiums are lower, you risk high out-of-pocket costs if you cause an accident. For model, if you cause an accident resulting in property wrong of $ 20,000 and your policy covers $ 5,000, you have to pay $ 15,000 .

California Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for place damage. A more protective flush is 100/300/100 .

Cheapest Car Insurance in Modesto if You Have Driving Violations

Drivers with violations such as tickets, DUIs and at-fault accidents pay more for car policy in Modesto. For those with violations, the keep up, on median, are the most low-cost car indemnity companies in Modesto :

  • Cheapest after a ticket: Esurance, $1,262 per year
  • Cheapest after an at-fault accident: Esurance, $1,562 per year
  • Cheapest after a DUI: Mercury, $2,168 per year

If you have a military background and a ticket, USAA is the cheapest option at around $ 1,222 annually. car policy rates typically decrease as you improve your drive read. Until then, it ’ south important to shop around and compare quotes to find the best insurers after a violation .

Cheapest Car Insurance in Modesto With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA

    $1,222

  • 2 .Esurance

    $1,262

  • 3. CSAA

    $1,591

  • 4 .MetLife

    $1,650

  • 5 .Mercury

    $1,731

  • 6 .GEICO

    $1,749

  • 7 .Allstate

    $1,797

  • 8 .Progressive

    $1,893

  • 9 .Farmers

    $2,030

  • 10 .State Farm

    $2,071

  • 11. Allied

    $2,189

  • 12 .Hartford

    $2,251

  • 13 .Travelers

    $2,453

Average Cost of Car Insurance in Modesto

Modesto

$1,320

California

$1,429

U.S.

$1,424

aside from being influenced by specific factors in your personal profile, cable car policy rates besides vary across locations. average car insurance rates in Modesto are cheaper than both the state at $ 1,429 and national averages at $ 1,424. Drivers in Modesto should expect to pay roughly 7.6 % less for car insurance than others do in California. Compared to the rest of the state, Modesto residents by and large pay 7.3 % less for car indemnity at $ 1,320. Though these may not look like meaning amounts, every single dollar saved decidedly counts.

Personalized Quotes to Get You the Cheapest Car Insurance in Modesto

car indemnity companies in Modesto will besides look at particular factors when computing your indemnity premium. Some of these factors include ZIP code, moving violations, car make and model and coverage horizontal surface, among others. The more bad your visibility, the higher bounty you ’ ll need to pay. Drivers with no offenses, batch of experience and a golden placement should expect cheaper quotes. Since some of these factors change over prison term, make indisputable you get regular quotes for comparison. You may even find out that you qualify for discounts or rebates .

Compare Car Insurance Rates in Modesto

see you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pin

The Best Car Insurance Companies in Modesto

For drivers who want the best balance wheel of affordability and quality service, MoneyGeek found that the best cable car insurers in Modesto are :

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA ranked highest on MoneyGeek ’ s scoring system, but since it is entirely available to military members, veterans and their families, it ’ s not in the acme overall descry. If you are eligible, USAA is an excellent choice. To rank the best insurers in Modesto, MoneyGeek ’ s scoring system incorporated J.D. Power ’ s drug user satisfaction scores, affordability and fiscal constancy ratings .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3

GEICO

grade :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal constancy 5

State Farm

score :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 6

Ameriprise

score :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

mark :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 8

Progressive

score :

82.5

4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 11

CSAA

grudge :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12

Liberty Mutual

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14

Mercury

sexual conquest :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16

Kemper

score :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

For many cities in the United States, car policy prices can fluctuate by hundreds of dollars depending on the driver ’ s ZIP code. however, this is not the case for Modesto. The deviation between the most and least expensive ZIP codes in the city is $ 22 .

  • Zip Code State Minimum

    per year

  • 95350

    $1,309

  • 95355

    $1,331

Factors That Impact Insurance Costs in Modesto

In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fatal accidents besides contribute to car insurance rates in Modesto. How Modesto ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .accident2 icon Most Accidents With Fatalities

38th

/ 300handcuffs2 icon Most car Thefts

301st

/ 300uninsured icon Most uninsured Motorists by State

12th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

245th

/ 300umbrella icon Most showery Days

235th

/ 300

Methodology and Assumptions

MoneyGeek ’ s average premium rates for Modesto are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ south data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a senior content director with MoneyGeek specializing in insurance. Mark has years of experience analyzing the policy market and creating original research and capacity. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

Leave a Reply

Your email address will not be published.