Cheap Car Insurance in Modesto, California ( With 2025 Rates)

Home » Car insurance » California » Cheap Car Insurance Modesto

Lowest Premium

$386 / YEAR

Average Premium

$710 / YEAR

Highest Premium

$1000 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Modesto is around $710 and can go upto $1000. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

$15,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
$5,000 for damage to the property of other people.

Car Insurance Companies in California and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Progressive Insurance. But the major players are State Farm, Allstate and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$313	3.9826% ($566,768,855)	66
Progressive	$533	1.0974% ($156,172,025)	36
Allstate	$544	7.5870% ($1,079,711,625)	50
Nationwide	$693	0.6784% ($96,539,693)	9
Farmers	$723	6.0130% ($855,712,148 )	32
State Farm	$746	14.1983% ($2,020,561,254)	50

Get a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Modesto by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Modesto. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
95350	$695
95351	$740
95354	$717
95355	$709
95356	$725
95357	$705
95358	$712
95397	$615

Insurance Agents in Modesto, CA and Near by

0 mi

Verle Bartels

1136 Tully Rd Ste 4, Modesto, CA 95350

(209) 529-6018

View |
0 mi

Fogarty Insurance Services

1031 Mchenry Ave Ste 12 & 13, Modesto, CA 95350

(209) 342-5000

View |
0 mi

Fiesta Auto Insurance

700 Mchenry Ave Ste E, Modesto, CA 95350

(209) 568-4191

View |
0 mi

Titan Insurance

2045 W Briggsmore Ave Ste A6, Modesto, CA 95350

(209) 236-0116

View |
0 mi

Cali Express Insurance Center

946 Mchenry Ave Ste 2, Modesto, CA 95350

(209) 409-8778

View |
0 mi

Thomas Insurance Agency

1031 Mchenry Ave Ste 9, Modesto, CA 95350

(209) 408-0131

View |
0 mi

Wylie Insurance

1729 Tully Rd Ste 6, Modesto, CA 95350

(209) 526-4402

View |
0 mi

Central Auto Insurance Agency

2225 Plaza Pkwy Ste C17, Modesto, CA 95350

(209) 492-9999

View |
0 mi

Save Direct Insurance Agency

1800 Tully Rd Ste G, Modesto, CA 95350

(209) 867-7283

View |
0 mi

Margarita Martinez

1800 Tully Rd Ste E1, Modesto, CA 95350

(209) 576-7550

View |
0 mi

Robert Ford

1707 Mchenry Ave Ste A2, Modesto, CA 95350

(209) 576-0941

View |
0 mi

Charlie Brown

1600 Sunrise Ave Ste 7a, Modesto, CA 95350

(209) 523-8037

View |
0 mi

Herb Bustle

1600 Sunrise Ave Ste 7e, Modesto, CA 95350

(209) 521-9903

View |
0 mi

Jon Whited

1600 Sunrise Ave Ste 7a, Modesto, CA 95350

(209) 575-5616

View |
0 mi

Leslie Kazas

2200 Mchenry Ave Ste A-1, Modesto, CA 95350

(209) 575-3963

View |
0 mi

J David Wright

2200 Mchenry Ave Ste A, Modesto, CA 95350

(209) 577-0800

View |
0 mi

Cost-U-Less Insurance Center

2900 Standiford Ave Ste 25, Modesto, CA 95350

(209) 542-9734

View |
0 mi

Darin Fitzgerald

3300 Tully Rd Ste B3, Modesto, CA 95350

(209) 543-8000

View |
0 mi

Shawn Phillips

3400 Tully Rd Ste B, Modesto, CA 95350

(209) 527-5567

View |
0 mi

Modesto Insurance Center

3025 Mchenry Ave Ste M, Modesto, CA 95350

(209) 529-0745

View |
0 mi

Big Savings Insurance Agency

3133 Mchenry Ave Ste A, Modesto, CA 95350

(209) 572-6030

View |
0 mi

Cathy Deboer

145 Woodrow Ave Ste B2, Modesto, CA 95350

(209) 577-8252

View |
0 mi

Scott Montez

810 Standiford Ave Ste 4, Modesto, CA 95350

(209) 529-2850

View |
0 mi

Estrella Insurance

3440 Mchenry Ave, Modesto, CA 95350

(209) 260-6440

View |
0 mi

Lamoure's Insurance

1367 Standiford Ave Ste A, Modesto, CA 95350

(209) 577-8380

View |
0 mi

Nathan Cook

1101 Sylvan Ave Ste C201, Modesto, CA 95350

(209) 353-2001

View |
0 mi

Ingrid Walker

1101 Sylvan Ave Ste C201, Modesto, CA 95350

(209) 284-0677

View |
3.25 mi

McVey Insurance Agency

1231 8th St Ste 100, Modesto, CA 95354

(209) 577-0177

View |
3.25 mi

River Oaks Insurance Services

1150 9th St Ste 1400, Modesto, CA 95354

(209) 550-3702

View |
3.25 mi

Yosemite Pacific Insurance Services

1150 9th St Ste 1400, Modesto, CA 95354

(209) 526-3110

View |
3.25 mi

Capax - Giddings Corby Hynes

1150 9th St Fl 14, Modesto, CA 95354

(209) 526-3110

View |
3.25 mi

Andreini & Company

1012 11th St Ste 202, Modesto, CA 95354

(209) 521-3698

View |
3.25 mi

Christopher Herrera

912 11th St Ste 201, Modesto, CA 95354

(209) 364-3999

View |
3.25 mi

Omega Pacific Insurance

1016 12th St, Modesto, CA 95354

(209) 338-5500

View |
3.25 mi

Francois Farhat

1230 13th St Ste A, Modesto, CA 95354

(209) 524-9000

View |
3.25 mi

B-V Insurance Services

1301 L St Ste 1, Modesto, CA 95354

(209) 529-6000

View |
3.25 mi

Fred L Dick Insurance Services

1120 13th St Ste I, Modesto, CA 95354

(877) 462-1035

View |
3.25 mi

Lemus Insurance Agency

400 12th St, Modesto, CA 95354

(209) 577-2080

View |
3.25 mi

InsureOne Insurance Solutions

515 13th St Ste 208, Modesto, CA 95354

(209) 779-0700

View |
3.25 mi

Winton-Ireland Strom & Green Insurance Agency

1100 14th St Ste C, Modesto, CA 95354

(209) 529-3480

View |
3.25 mi

CB Associates Insurance Service

1505 G St, Modesto, CA 95354

(209) 527-8055

View |
3.25 mi

Toste Insurance Services

1501 F St, Modesto, CA 95354

(209) 338-3585

View |
3.25 mi

Rodriguez Insurance

717 16th St Ste 1, Modesto, CA 95354

(209) 248-7493

View |
3.25 mi

Cost-U-Less Insurance Center

123 Burney St, Modesto, CA 95354

(209) 560-6118

View |
3.25 mi

Gladiator Auto Insurance

118 Mchenry Ave, Modesto, CA 95354

(209) 567-1111

View |
3.25 mi

Freeway Insurance

1801 H St Ste A1, Modesto, CA 95354

(209) 585-3788

View |
3.25 mi

Estrella Insurance

417 Mchenry Ave, Modesto, CA 95354

(209) 260-1600

View |
3.25 mi

Try R Insurance Agency

502 Mchenry Ave Ste 101, Modesto, CA 95354

(209) 341-1683

View |
3.25 mi

Anil Nath

3121 Yosemite Blvd Ste B1, Modesto, CA 95354

(209) 522-6284

View |
3.3 mi

Andy Harless

945 Coffee Rd Ste 1, Modesto, CA 95355

(209) 577-1777

View |
3.3 mi

Tracy A. Giuliano

1508 Coffee Rd Ste G, Modesto, CA 95355

(209) 578-1059

View |
3.3 mi

Austin Giuliano

1508 Coffee Rd Ste C1, Modesto, CA 95355

(209) 312-9203

View |
3.3 mi

Corina Villarreal

1508 Coffee Rd Ste C2, Modesto, CA 95355

(209) 846-0833

View |
3.3 mi

David Reynolds

1508 Coffee Rd Ste G, Modesto, CA 95355

(209) 485-2160

View |
3.3 mi

Meyer Komar

1523 Gary Ln, Modesto, CA 95355

(209) 404-4969

View |
3.3 mi

The Insurance Store

2125 Wylie Dr Ste 8, Modesto, CA 95355

(209) 576-7669

View |
3.3 mi

Colleen Wallace Myrtakis

1317 Oakdale Rd Ste 1220, Modesto, CA 95355

(209) 527-0706

View |
3.3 mi

TSM Insurance Services

1317 Oakdale Rd Ste 910, Modesto, CA 95355

(209) 524-6366

View |
3.3 mi

Bud McMillin

1717 Oakdale Rd Ste O, Modesto, CA 95355

(209) 527-8000

View |
3.3 mi

Gordon Little Jr

2307 Oakdale Rd Ste 805, Modesto, CA 95355

(209) 661-4699

View |
3.3 mi

Skeet's Insurance Service

2307 Oakdale Rd Ste 400, Modesto, CA 95355

(209) 526-1578

View |
3.3 mi

Jeff Blizzard

1532 Lakewood Ave Ste 6, Modesto, CA 95355

(209) 524-5107

View |
3.3 mi

Nick Winters

3931 Coffee Rd Ste A, Modesto, CA 95355

(209) 521-9540

View |
3.3 mi

AAA Insurance

3525 Coffee Rd, Modesto, CA 95355

(209) 530-2600

View |
3.3 mi

Freeway Insurance

1300 Sylvan Ave, Modesto, CA 95355

(209) 651-0452

View |
3.42 mi

TopFlight Insurance Services

901 N Carpenter Rd Ste 37, Modesto, CA 95351

(209) 622-4622

View |
3.42 mi

David Giddings

701 5th St, Modesto, CA 95351

(209) 284-0246

View |
3.42 mi

Tannia Solis

205 W Hatch Rd Ste 3, Modesto, CA 95351

(209) 577-0400

View |
3.42 mi

Sara Macias

1337 Crows Landing Rd, Modesto, CA 95351

(209) 523-9100

View |
3.42 mi

Erendira Tolentino

1620 N Carpenter Rd Ste 57b, Modesto, CA 95351

(209) 535-8252

View |
3.42 mi

Jose Quintero

1620 N Carpenter Rd Ste A3, Modesto, CA 95351

(209) 300-7849

View |
3.42 mi

Maribel Tadeo

1620 N Carpenter Rd Bldg D Ste 57b, Modesto, CA 95351

(209) 613-1942

View |
3.42 mi

Mendoza & Mendoza Insurance Brokers

724 E Hatch Rd, Modesto, CA 95351

(209) 538-7700

View |
3.42 mi

Claudia Anguiano

1530 E Hatch Rd Ste A, Modesto, CA 95351

(209) 622-1999

View |
3.42 mi

Titan Insurance

1633 E Hatch Rd Ste F, Modesto, CA 95351

(209) 531-9745

View |
3.42 mi

Fiesta Auto Insurance

1460 Mitchell Rd, Modesto, CA 95351

(209) 272-1430

View |
3.47 mi

Western Growers Insurance Services

4230 Kiernan Ave Ste 100, Modesto, CA 95356

(209) 572-5171

View |
3.47 mi

Lance Johnson

4260 Sisk Rd Ste F, Modesto, CA 95356

(209) 846-0825

View |
3.47 mi

Quality General Insurance

3900 Pelandale Ave Ste 410, Modesto, CA 95356

(209) 545-5151

View |
3.47 mi

Debra Webb

4213 Dale Rd Ste 4, Modesto, CA 95356

(209) 545-7344

View |
3.47 mi

Arrowhead Insurance Agency

3508 Dale Rd, Modesto, CA 95356

(209) 524-6157

View |
3.47 mi

Richard Navarro

2937 Veneman Ave Ste A101, Modesto, CA 95356

(209) 526-2194

View |
3.47 mi

Silva Insurance

3507 Tully Rd Ste 100, Modesto, CA 95356

(209) 557-0501

View |
3.47 mi

David Ngo

3848 Mchenry Ave Ste 320, Modesto, CA 95356

(209) 340-3213

View |
3.47 mi

Salmeri Insurance

4207 Mchenry Ave, Modesto, CA 95356

(209) 522-6423

View |
3.47 mi

Stewart Kriese Insurance Agency

4101 Tully Rd Ste 301, Modesto, CA 95356

(209) 524-6891

View |
3.47 mi

Nicholson Insurance

4317 N Star Way Ste B, Modesto, CA 95356

(209) 526-2697

View |
3.47 mi

Micheletti & Associates

515 Lyell Dr Ste 102, Modesto, CA 95356

(209) 576-2808

View |
3.47 mi

Steele Insurance Agency

4640 Spyres Way Ste 5, Modesto, CA 95356

(209) 836-4663

View |
3.47 mi

Merchants Insurance & Financial Services

4660 Spyres Way, Modesto, CA 95356

(209) 551-1122

View |
6.48 mi

DiBuduo & DeDendis Insurance

1560 Cummins Dr Ste A, Modesto, CA 95358

(209) 578-0183

View |
6.48 mi

Villegas Insurance Services

2025 Crows Landing Rd Ste D, Modesto, CA 95358

(209) 537-9400

View |
6.48 mi

Sara Macias

1511 Crows Landing Rd, Modesto, CA 95358

(209) 846-9800

View |
6.48 mi

Alcala Insurance Agency

1661 Crows Landing Rd Ste F, Modesto, CA 95358

(209) 537-8260

View |
6.48 mi

Samanta Gardea

1739 Crows Landing Rd Ste C, Modesto, CA 95358

(209) 538-5995

View |
6.48 mi

Registration Insurance Services

1751 Crows Landing Rd, Modesto, CA 95358

(209) 537-3131

View |
6.48 mi

Liberty General Insurance Services

1700 Crows Landing, Modesto, CA 95358

(209) 531-9700

View |
6.48 mi

Fiesta Auto Insurance

1940 Crows Landing Rd, Modesto, CA 95358

(209) 529-5500

View |
6.48 mi

Juan Cisneros

2200 Crows Landing Rd # A, Modesto, CA 95358

(209) 538-2718

View |
6.88 mi

Pam Shelton

3520 Oakdale Rd Ste E, Modesto, CA 95357

(209) 551-0221

View |
6.88 mi

Confidence Plus Insurance Services

3516 Oakdale Rd Ste A, Modesto, CA 95357

(209) 551-0707

View |
6.88 mi

Golden Oak Insuran

Po Box 577331, Modesto, CA 95357

(209) 222-6200

View |

View all agents ↓

Learn More About Car Insurance in Modesto, CA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Modesto, California (With 2025 Rates)