Cheapest Car Insurance In Modesto, CA 2026
GEICO offers the most affordable minimum coverage car insurance in Modesto, costing around $43 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
GEICO, Kemper, and Direct Auto consistently offer some of the lowest car insurance rates in Modesto, with minimum liability coverage starting around $43 per month for drivers with clean records. Modesto drivers tend to pay above the California state average, largely due to the city’s higher-than-average auto theft rates and dense Valley traffic.
Comparing quotes from multiple insurers is the most reliable way to find your lowest rate, since premiums in Modesto vary significantly based on ZIP code, driving history, and coverage level.
What’s Changed In 2026?
- California’s minimum liability limits increased, raising baseline premiums for all Modesto drivers.
- Several major insurers have resumed writing new auto policies in California after previous market pullbacks.
- Usage-based insurance programs are now more widely available in California, rewarding low-mileage Modesto commuters.
- California regulators have approved additional rate increases for multiple carriers, making comparison shopping more important than ever.
Cheapest And Best Car Insurance Companies In Modesto, California 2026
Cheapest Liability-only Car Insurance In Modesto: GEICO
In Modesto, GEICO offers the most affordable minimum coverage car insurance, averaging $43 per month.
Refer to the table below to see how different insurance providers compare in terms of rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $43 | $516 |
| Kemper | $50 | $600 |
| Progressive | $45 | $540 |
| Nationwide | $58 | $696 |
| State Farm | $57 | $684 |
Cheapest Full Coverage Insurance Rates In Modesto: GEICO
GEICO offers the lowest rates for full coverage car insurance in Modesto, with an average monthly cost of $108.
The table below shows average car insurance quotes from budget-friendly providers in Modesto.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $108 | $1,296 |
| Hartford | $140 | $1,680 |
| State Farm | $142 | $1,704 |
| Kemper | $132 | $1,584 |
| Nationwide | $139 | $1,668 |
Cheapest Car Insurance Rates For Seniors: Safeco
Safeco offers the most affordable car insurance for seniors in Modesto, with an average monthly rate of $90.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $90 | $1,080 |
| 21st Century | $99 | $1,188 |
| Ensurance | $97 | $1,164 |
| USAA | $117 | $1,404 |
| Kemper | $106 | $1,272 |
Cheapest Rates In Modesto For Teenagers: Kemper
In Modesto, teenage drivers can get the most affordable quotes from Kemper, with average monthly premiums of $122.
The table below lists the insurance companies offering the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $122 | $1,464 |
| Mercury | $158 | $1,896 |
| Ensurance | $248 | $2,976 |
| USAA | $217 | $2,604 |
| Direct Auto | $218 | $2,616 |
Cheapest Auto Insurance For Young Adults in Modesto: Direct Auto
In Modesto, young adults can get the lowest insurance quotes from Direct Auto, with an average monthly rate of $69.
The table below allows you to compare the most affordable auto insurance rates for young adults in Modesto.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $69 | $828 |
| Kemper | $107 | $1,284 |
| Mercury | $142 | $1,704 |
| Ensurance | $170 | $2,040 |
Cheapest Car Insurance In Modesto For Good Drivers: GEICO
GEICO offers the most affordable car insurance for good drivers in Modesto, with rates averaging $43 per month.
Safe drivers can refer to the table below to compare average quotes from budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $43 | $516 |
| Kemper | $50 | $600 |
| Progressive | $45 | $540 |
| Nationwide | $58 | $696 |
| State Farm | $57 | $684 |
Find affordable Modesto rates
Cheapest Rates In Modesto For Drivers After A DUI: USAA
USAA offers the lowest insurance rates for drivers with a DUI, with Modesto residents paying an average of $150 per month.
The table below shows the most affordable insurance rates for Modesto drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $150 | $1,800 |
| Direct Auto | $168 | $2,016 |
| Allstate | $208 | $2,496 |
| State Farm | $231 | $2,772 |
| GEICO | $201 | $2,412 |
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Cheapest Car Insurance In Modesto After A Speeding Ticket: USAA
USAA is one of the most affordable options in Modesto, offering average monthly rates of $122 for drivers with a speeding ticket.
The table below shows the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $122 | $1,464 |
| Mercury | $146 | $1,752 |
| Direct Auto | $137 | $1,644 |
| GEICO | $162 | $1,944 |
| State Farm | $185 | $2,220 |
Cheapest For Drivers With After At-Fault Accident: USAA
USAA provides the most affordable car insurance for drivers with an at-fault accident, averaging $125 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $125 | $1,462 |
| Mercury | $148 | $1,754 |
| Sun Coast | $130 | $1,644 |
| Direct Auto | $142 | $1,949 |
| GEICO | $166 | $2,217 |
Best Car Insurance Companies In Modesto
GEICO offers the cheapest insurance in Modesto at $43 per month, but drivers may also find good rates with Kemper at $50 or Progressive at $45.
Below is a list of the top 10 car insurance providers in Modesto, CA, ranked by their average monthly rates.
| Company | Monthly Premium |
| GEICO | $43 |
| Kemper | $50 |
| Progressive | $45 |
| Nationwide | $58 |
| State Farm | $57 |
| 21st Century | $108 |
| Mercury | $109 |
| Direct Auto | $106 |
| Farmers | $138 |
| National General | $117 |
Average Rates In Modesto – By Vehicle
The kind of car you drive greatly affects your insurance rates. Insurers consider the make, model, year, and body type, with newer luxury vehicles often costing more to insure due to their advanced features and high replacement costs.
The table below shows the average insurance rates for various vehicle types in Modesto.
| Vehicle | Average Monthly Rate |
| Nissan Sentra | $406 |
| Dodge Ram | $674 |
| Chevrolet Blazer | $250 |
| Toyota Tacoma | $585 |
| Buick Envista | $233 |
Average Auto Insurance Rates In Modesto – By Age
Age plays a major role in determining car insurance rates. Younger drivers often face higher premiums because they have less experience and are more likely to be involved in accidents or traffic violations. Teen drivers typically pay about $3,497 per year for coverage.
Once drivers turn 25, their insurance rates typically start to drop—provided they have a clean driving record.
Drivers in their 50s and early 60s often get the best insurance rates, as companies use age to measure experience and risk when setting premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,497 |
| 20s | $2,158 |
| 30s | $1,677 |
| 40s | $1,661 |
| 50s | $1,770 |
| 60s | $1,642 |
| 70s | $1,824 |
Average Cost Of Auto Insurance In Modesto – By Zip Code
Insurance companies use zip codes to assess crime rates, which is why car insurance costs vary by location.
The table below shows the average car insurance rates for various zip codes in Modesto.
| City | Average Monthly Rate |
| 95354 | $173 |
| 95356 | $175 |
| 95358 | $149 |
| 95386 | $259 |
| 95350 | $142 |
How Much Is Car Insurance In Other Cities in California?
Where you live has a big impact on your car insurance costs. Insurers consider factors like accident rates, car theft, and vandalism, which tend to be higher in cities, leading to increased premiums.
In Los Angeles, drivers typically pay about $248 per month for car insurance, whereas those in San Diego see lower rates, averaging $177 per month.
| City | Average Monthly Rate |
| Los Angeles | $248 |
| San Diego | $180 |
| Long Beach | $223 |
| Oakland | $236 |
| Bakersfield | $134 |
| Pasadena | $153 |
| San Francisco | $228 |
| Fresno | $160 |
| Sacramento | $159 |
| Anaheim | $235 |
Find affordable Modesto rates
Our Methodology
After analyzing factors like customer service, coverage options, pricing, and online reviews, I’ve put together a detailed overview of car insurance providers in Modesto, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Modesto?
In Modesto, GEICO offers the cheapest rates for state-minimum coverage, while GEICO has the most affordable full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Modesto?
Car insurance in Modesto costs an average of $162 per month, though rates can change depending on your zip code, vehicle type, driving history, and other factors.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.