The Cheapest Auto Insurance Companies in Modesto, California, in 2025

California requires drivers to have at least 30/60/15 in liability insurance (more on that later). In Modesto, the average rate for this type of basic coverage is $105 per month, according to Compare.com data.

But keep in mind that most experts suggest getting more coverage than the state-minimum limits to ensure you have proper protection.^[1]

Still, if you need basic coverage that only meets California’s requirements, here are the five cheapest options, according to our research.

Most drivers should think about full coverage for more all-around protection — especially if you can’t afford to repair or replace your car out of your own pocket. This type of policy doesn’t have a standard definition, but it usually includes collision and comprehensive coverage on top of your state’s minimum requirements.

Additionally, if you finance or lease your car, your lender will likely require you to have full coverage.^[2]

Our research found that full coverage costs an average of $234 per month in Modesto.

Here are the five most affordable insurers for full coverage, according to Compare.com data:

Teen drivers face some of the highest insurance rates because of their lack of experience and higher chance of getting into accidents. For example, research from the Centers for Disease Control and Prevention (CDC) shows teens are nearly three times as likely to be in a fatal crash as drivers over 20.^[3] That alone can increase rates dramatically.

Nationwide, the average teen pays almost twice as much as someone 20 or older. In Modesto, teens pay an average of $326 per month, but you can still find decent rates with the right insurer.

With that in mind, here are the five cheapest insurers for Modesto teens:

On the opposite end of the spectrum, senior drivers often enjoy the lowest rates of any age group. This is largely thanks to their years of driving experience and tendency to drive less, especially at night.^[4]

In Modesto, seniors pay an average of $132 per month, but savvy seniors can get an even better deal if they know where to look.

The chart below shows the five most affordable insurers for senior drivers in Modesto, according to our data.

Getting a ticket can bump up your rates when you renew your policy. That’s because tickets and other moving violations suggest you’re more likely to file claims in the future.^[5]

Our research shows that even one speeding ticket causes average rates to go up by 28% nationwide. In Modesto, people with a recent ticket pay an average of $219 per month, while drivers with a clean record pay just $169. But again, some insurers offer lower rates — including those in the table below.

Causing an accident can lead to an even bigger rate increase because it tells insurers you’re more likely to file claims down the road. In fact, our research shows that one at-fault accident causes average rates to jump by 33% nationwide.

In Modesto, people with a recent at-fault accident pay an average of $217 per month, according to our research. But you can often find better deals with one of these five insurers:

A DUI conviction leads to the biggest increase in car insurance rates of any incident — our research shows that average rates go up by 59% nationwide after a single DUI. On top of those already high rates, getting a DUI can make it tough to find coverage at all.^[6]

Some insurers focus on high-risk drivers, including people with DUIs. In Modesto, drivers with DUIs pay an average of $251 per month. But that doesn’t mean you’re necessarily stuck with sky-high rates.

For example, the five insurers highlighted in the chart below tend to offer policies for much less.