Cheap Car Insurance in Modesto, California ( With 2024 Rates)

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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

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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

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Verle Bartels

1136 Tully Rd Ste 4, Modesto, CA 95350

(209) 529-6018

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Fogarty Insurance Services

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

(209) 342-5000

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Fiesta Auto Insurance

700 Mchenry Ave Ste E, Modesto, CA 95350

(209) 568-4191

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Titan Insurance

2045 W Briggsmore Ave Ste A6, Modesto, CA 95350

(209) 236-0116

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Cali Express Insurance Center

946 Mchenry Ave Ste 2, Modesto, CA 95350

(209) 409-8778

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Thomas Insurance Agency

1031 Mchenry Ave Ste 9, Modesto, CA 95350

(209) 408-0131

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Wylie Insurance

1729 Tully Rd Ste 6, Modesto, CA 95350

(209) 526-4402

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Central Auto Insurance Agency

2225 Plaza Pkwy Ste C17, Modesto, CA 95350

(209) 492-9999

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Save Direct Insurance Agency

1800 Tully Rd Ste G, Modesto, CA 95350

(209) 867-7283

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Margarita Martinez

1800 Tully Rd Ste E1, Modesto, CA 95350

(209) 576-7550

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Robert Ford

1707 Mchenry Ave Ste A2, Modesto, CA 95350

(209) 576-0941

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Charlie Brown

1600 Sunrise Ave Ste 7a, Modesto, CA 95350

(209) 523-8037

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Herb Bustle

1600 Sunrise Ave Ste 7e, Modesto, CA 95350

(209) 521-9903

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Jon Whited

1600 Sunrise Ave Ste 7a, Modesto, CA 95350

(209) 575-5616

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Leslie Kazas

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

(209) 575-3963

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J David Wright

2200 Mchenry Ave Ste A, Modesto, CA 95350

(209) 577-0800

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Cost-U-Less Insurance Center

2900 Standiford Ave Ste 25, Modesto, CA 95350

(209) 542-9734

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Darin Fitzgerald

3300 Tully Rd Ste B3, Modesto, CA 95350

(209) 543-8000

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Shawn Phillips

3400 Tully Rd Ste B, Modesto, CA 95350

(209) 527-5567

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Modesto Insurance Center

3025 Mchenry Ave Ste M, Modesto, CA 95350

(209) 529-0745

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Big Savings Insurance Agency

3133 Mchenry Ave Ste A, Modesto, CA 95350

(209) 572-6030

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Cathy Deboer

145 Woodrow Ave Ste B2, Modesto, CA 95350

(209) 577-8252

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Scott Montez

810 Standiford Ave Ste 4, Modesto, CA 95350

(209) 529-2850

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Estrella Insurance

3440 Mchenry Ave, Modesto, CA 95350

(209) 260-6440

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Lamoure's Insurance

1367 Standiford Ave Ste A, Modesto, CA 95350

(209) 577-8380

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Nathan Cook

1101 Sylvan Ave Ste C201, Modesto, CA 95350

(209) 353-2001

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Ingrid Walker

1101 Sylvan Ave Ste C201, Modesto, CA 95350

(209) 284-0677

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3.25 mi

McVey Insurance Agency

1231 8th St Ste 100, Modesto, CA 95354

(209) 577-0177

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3.25 mi

River Oaks Insurance Services

1150 9th St Ste 1400, Modesto, CA 95354

(209) 550-3702

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3.25 mi

Yosemite Pacific Insurance Services

1150 9th St Ste 1400, Modesto, CA 95354

(209) 526-3110

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3.25 mi

Capax - Giddings Corby Hynes

1150 9th St Fl 14, Modesto, CA 95354

(209) 526-3110

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3.25 mi

Andreini & Company

1012 11th St Ste 202, Modesto, CA 95354

(209) 521-3698

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3.25 mi

Christopher Herrera

912 11th St Ste 201, Modesto, CA 95354

(209) 364-3999

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3.25 mi

Omega Pacific Insurance

1016 12th St, Modesto, CA 95354

(209) 338-5500

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3.25 mi

Francois Farhat

1230 13th St Ste A, Modesto, CA 95354

(209) 524-9000

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3.25 mi

B-V Insurance Services

1301 L St Ste 1, Modesto, CA 95354

(209) 529-6000

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3.25 mi

Fred L Dick Insurance Services

1120 13th St Ste I, Modesto, CA 95354

(877) 462-1035

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3.25 mi

Lemus Insurance Agency

400 12th St, Modesto, CA 95354

(209) 577-2080

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3.25 mi

InsureOne Insurance Solutions

515 13th St Ste 208, Modesto, CA 95354

(209) 779-0700

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3.25 mi

Winton-Ireland Strom & Green Insurance Agency

1100 14th St Ste C, Modesto, CA 95354

(209) 529-3480

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3.25 mi

CB Associates Insurance Service

1505 G St, Modesto, CA 95354

(209) 527-8055

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3.25 mi

Toste Insurance Services

1501 F St, Modesto, CA 95354

(209) 338-3585

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3.25 mi

Rodriguez Insurance

717 16th St Ste 1, Modesto, CA 95354

(209) 248-7493

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3.25 mi

Cost-U-Less Insurance Center

123 Burney St, Modesto, CA 95354

(209) 560-6118

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3.25 mi

Gladiator Auto Insurance

118 Mchenry Ave, Modesto, CA 95354

(209) 567-1111

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3.25 mi

Freeway Insurance

1801 H St Ste A1, Modesto, CA 95354

(209) 585-3788

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3.25 mi

Estrella Insurance

417 Mchenry Ave, Modesto, CA 95354

(209) 260-1600

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3.25 mi

Try R Insurance Agency

502 Mchenry Ave Ste 101, Modesto, CA 95354

(209) 341-1683

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3.25 mi

Anil Nath

3121 Yosemite Blvd Ste B1, Modesto, CA 95354

(209) 522-6284

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3.3 mi

Andy Harless

945 Coffee Rd Ste 1, Modesto, CA 95355

(209) 577-1777

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3.3 mi

Tracy A. Giuliano

1508 Coffee Rd Ste G, Modesto, CA 95355

(209) 578-1059

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3.3 mi

Austin Giuliano

1508 Coffee Rd Ste C1, Modesto, CA 95355

(209) 312-9203

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3.3 mi

Corina Villarreal

1508 Coffee Rd Ste C2, Modesto, CA 95355

(209) 846-0833

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3.3 mi

David Reynolds

1508 Coffee Rd Ste G, Modesto, CA 95355

(209) 485-2160

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3.3 mi

Meyer Komar

1523 Gary Ln, Modesto, CA 95355

(209) 404-4969

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3.3 mi

The Insurance Store

2125 Wylie Dr Ste 8, Modesto, CA 95355

(209) 576-7669

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3.3 mi

Colleen Wallace Myrtakis

1317 Oakdale Rd Ste 1220, Modesto, CA 95355

(209) 527-0706

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3.3 mi

TSM Insurance Services

1317 Oakdale Rd Ste 910, Modesto, CA 95355

(209) 524-6366

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3.3 mi

Bud McMillin

1717 Oakdale Rd Ste O, Modesto, CA 95355

(209) 527-8000

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3.3 mi

Gordon Little Jr

2307 Oakdale Rd Ste 805, Modesto, CA 95355

(209) 661-4699

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3.3 mi

Skeet's Insurance Service

2307 Oakdale Rd Ste 400, Modesto, CA 95355

(209) 526-1578

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3.3 mi

Jeff Blizzard

1532 Lakewood Ave Ste 6, Modesto, CA 95355

(209) 524-5107

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3.3 mi

Nick Winters

3931 Coffee Rd Ste A, Modesto, CA 95355

(209) 521-9540

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3.3 mi

AAA Insurance

3525 Coffee Rd, Modesto, CA 95355

(209) 530-2600

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3.3 mi

Freeway Insurance

1300 Sylvan Ave, Modesto, CA 95355

(209) 651-0452

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3.42 mi

TopFlight Insurance Services

901 N Carpenter Rd Ste 37, Modesto, CA 95351

(209) 622-4622

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3.42 mi

David Giddings

701 5th St, Modesto, CA 95351

(209) 284-0246

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3.42 mi

Tannia Solis

205 W Hatch Rd Ste 3, Modesto, CA 95351

(209) 577-0400

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3.42 mi

Sara Macias

1337 Crows Landing Rd, Modesto, CA 95351

(209) 523-9100

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3.42 mi

Erendira Tolentino

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

(209) 535-8252

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3.42 mi

Jose Quintero

1620 N Carpenter Rd Ste A3, Modesto, CA 95351

(209) 300-7849

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3.42 mi

Maribel Tadeo

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

(209) 613-1942

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3.42 mi

Mendoza & Mendoza Insurance Brokers

724 E Hatch Rd, Modesto, CA 95351

(209) 538-7700

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3.42 mi

Claudia Anguiano

1530 E Hatch Rd Ste A, Modesto, CA 95351

(209) 622-1999

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3.42 mi

Titan Insurance

1633 E Hatch Rd Ste F, Modesto, CA 95351

(209) 531-9745

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3.42 mi

Fiesta Auto Insurance

1460 Mitchell Rd, Modesto, CA 95351

(209) 272-1430

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3.47 mi

Western Growers Insurance Services

4230 Kiernan Ave Ste 100, Modesto, CA 95356

(209) 572-5171

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3.47 mi

Lance Johnson

4260 Sisk Rd Ste F, Modesto, CA 95356

(209) 846-0825

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3.47 mi

Quality General Insurance

3900 Pelandale Ave Ste 410, Modesto, CA 95356

(209) 545-5151

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3.47 mi

Debra Webb

4213 Dale Rd Ste 4, Modesto, CA 95356

(209) 545-7344

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3.47 mi

Arrowhead Insurance Agency

3508 Dale Rd, Modesto, CA 95356

(209) 524-6157

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3.47 mi

Richard Navarro

2937 Veneman Ave Ste A101, Modesto, CA 95356

(209) 526-2194

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3.47 mi

Silva Insurance

3507 Tully Rd Ste 100, Modesto, CA 95356

(209) 557-0501

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3.47 mi

David Ngo

3848 Mchenry Ave Ste 320, Modesto, CA 95356

(209) 340-3213

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3.47 mi

Salmeri Insurance

4207 Mchenry Ave, Modesto, CA 95356

(209) 522-6423

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3.47 mi

Stewart Kriese Insurance Agency

4101 Tully Rd Ste 301, Modesto, CA 95356

(209) 524-6891

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3.47 mi

Nicholson Insurance

4317 N Star Way Ste B, Modesto, CA 95356

(209) 526-2697

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3.47 mi

Micheletti & Associates

515 Lyell Dr Ste 102, Modesto, CA 95356

(209) 576-2808

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3.47 mi

Steele Insurance Agency

4640 Spyres Way Ste 5, Modesto, CA 95356

(209) 836-4663

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3.47 mi

Merchants Insurance & Financial Services

4660 Spyres Way, Modesto, CA 95356

(209) 551-1122

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6.48 mi

DiBuduo & DeDendis Insurance

1560 Cummins Dr Ste A, Modesto, CA 95358

(209) 578-0183

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6.48 mi

Villegas Insurance Services

2025 Crows Landing Rd Ste D, Modesto, CA 95358

(209) 537-9400

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6.48 mi

Sara Macias

1511 Crows Landing Rd, Modesto, CA 95358

(209) 846-9800

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6.48 mi

Alcala Insurance Agency

1661 Crows Landing Rd Ste F, Modesto, CA 95358

(209) 537-8260

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6.48 mi

Samanta Gardea

1739 Crows Landing Rd Ste C, Modesto, CA 95358

(209) 538-5995

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6.48 mi

Registration Insurance Services

1751 Crows Landing Rd, Modesto, CA 95358

(209) 537-3131

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6.48 mi

Liberty General Insurance Services

1700 Crows Landing, Modesto, CA 95358

(209) 531-9700

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6.48 mi

Fiesta Auto Insurance

1940 Crows Landing Rd, Modesto, CA 95358

(209) 529-5500

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6.48 mi

Juan Cisneros

2200 Crows Landing Rd # A, Modesto, CA 95358

(209) 538-2718

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6.88 mi

Pam Shelton

3520 Oakdale Rd Ste E, Modesto, CA 95357

(209) 551-0221

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6.88 mi

Confidence Plus Insurance Services

3516 Oakdale Rd Ste A, Modesto, CA 95357

(209) 551-0707

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6.88 mi

Golden Oak Insuran

Po Box 577331, Modesto, CA 95357

(209) 222-6200

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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 2024 Rates)