Modesto, CA Car Insurance

How do rates in Modesto measure up compared to neighboring areas, including California as a whole? How much can residents of Modesto expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Modesto?

According to the chart above, the rates you'll pay for coverage in Modesto are on par with what you would pay anywhere else in California.

Likewise, car insurance rates in Modesto are often favorable when viewed against the rest of the country. It's about $28 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 numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've broken down average rates for Modesto to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up a bit in Modesto.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. In Modesto, this difference shakes out to about $4 per month. Based on the chart above, you can see that male drivers pay $55 on average, while female drivers typically pay $51 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Modesto with a single accident will pay around $63 a month. Likewise, drivers with one ticket will be looking at a rate of around $70 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

According to the first table above, SUVs are typically the cheapest vehicles to insure in Modesto, with drivers paying around $50 per month to insure their vehicle.

Truck and van drivers will see rates of about $51, while the rates for car owners average out to about $54 a month.

You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Modesto, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Modesto is about $12 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. The average rates for both homeowners and renters in Modesto are around $50 per month.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Modesto, CA

Recent trends in car insurance for Modesto drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Modesto, the rates for car insurance had been decreasing steadily from 2017-2021. They finished up in 2022, at $51 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 a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

• Number of car accidents
• Total number of drivers in the region
• Prevalence of crime
• Off-street parking accessibility
• Local laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Modesto?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Modesto in no time.

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Modesto Insurance FAQs

What factors affect car insurance quotes in Modesto?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.

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

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Modesto or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.