The average monthly car insurance rate in Modesto is $155. However, your location, marital status, gender, age, and unique driving profile are essential factors considered by insurers when providing a specific quote Modesto car insurance quote. Thus, prices typically vary and it is ideal to do your due dilligence and compare rates to save on your next policy.

Jump to Modesto car insurance rates by:

• Insurance Company
• Age Bracket
• Marital Status
• Driving History
• Credit Level
• Weather Conditions

How Much Does Modesto Car Insurance Cost?

The annual average cost of car insurance in Modesto is $1,860. It is cheaper than the statewide average of $1,865 but more expensive than the nation's average of $1,545. Your age group, marital status, and location are some of factors that will influence your individual car insurance rate in Modesto. It is ideal to compare several auto insurance companies to determine the provider that best suits your unique driving profile.

Modesto Car Insurance Rates by Company

Identifying the most affordable auto insurance company in Modesto based on your unique driving profile is one way to save on premiums. The cheapest providers may not always be available if you live in areas prone to theft, crime, potential driving hazards, and/or have been in an at-fault accident in the past. Those with clean driving histories in often receive lower car insurance rates. GEICO offers the cheapest car insurance rates in Modesto by $200 annually.

Modesto Car Insurance Rates By Company

Modesto Car Insurance Premiums by Age

Age is another factor Modesto car insurance companies use to determine driving capabilities. Drivers in their 30s to 60s pay lower rates than driversin their 70s. Teenage drivers in Modesto pay the highest car insurance rates, as they are seen statistically as high-risk drivers. However, teenagers will likely receive a substantial rate decrease on their 20th and 25th birthdays as they gain more experience on the road.

Modesto Car Insurance Rates by Age Group

Modesto Car Insurance Rates by Marital Status and Gender

Marital status and gender are also factors that contribute to the car insurance rates in Modesto. Married and widowed drivers in Modesto pay lower premiums compared to single drivers. Married driver are considered responsible drivers and more financially stable than single drivers. Therefore, married drivers in Modesto, CA pay more affordable car insurance rates.

Gender is another aspect that affects car insurance premiums. Male drivers in Modesto pay $1 less than female drivers. They are considered more skillful drivers than females, hence they enjoy a small benefit.

Modesto Car Insurance Rates by Marital Status and Gender

Gender	Monthly Rate	Yearly Rate
Female	$157	$1,879
Male	$157	$1,878

Marital Status	Monthly Rate	Yearly Rate
Single	$150	$1,799
Married	$150	$1,799
Divorced	$156	$1,877
Widowed	$152	$1,819

Modesto Car Insurance Rates by Violation and Driving History

Car insurance companies in Modesto consider your driving history when providing specific quotes. If your driving history includes reckless driving citations or speeding tickets, your annual insurance premium will have a substantial increase.

Reckless driving citations in Modesto will lead to an average increase of $3,157 on your annual rate, while an additional increase of $763 will be included for speeding tickets. As for DWI or DUI violations, an additional fee of $3,054 will be added to your annual rate. Therefore, it is vital to keep a clean driving history to access more affordable car insurance rates in Modesto.

Modesto Auto Insurance Premiums by Violation and Driving Record

Modesto Car Insurance Rates by Credit Level

Your credit score does not influence your car insurance in Modesto. It is considered discriminatory by lawmakers in California to use credit score as a factor when determing rates for drivers.

Modesto Driving and Weather Conditions

Weather conditions have caused accidents around Modesto. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather. An average of 710,000 weather-related accidents happen in the state of California annually. Additionally, Modesto experiences several rainy days per year, as well as occasional wildfires and earthquakes. Hence, climate conditions cause substantial vehicular accidents in the city.

List of Car Insurance Companies in Modesto

Modesto Car Insurance FAQs

Is there a need to file a police report when filing a claim in Modesto?

If you have been involved in an accident or if your vehicle was vandalized, it is best to file a police report to back your claim and undefined liability.

How do I determine or estimate the value of my compensation if I have been in an accident in Modesto, and who will do it?

If you have been in an accident in Modesto, typically your insurance provider will be the one to estimate the amount of your claim following the information you provided, their investigation, your policy, and the local pricing in your area or state.

How do I acquire my deductible in Modesto?

Your insurance provider usually minus your deductible to your payment, and you will be the one to pay for the repairs necessary for your vehicle.

How do I know or acquire my car insurance agent's name?

Modesto car insurance companies give their clients insurance cards with your agent's name and contact information.

How do I check the status of my claim in Modesto?

Modesto insurance providers usually have an application or website that lets you check the status of your claims and other services they offer. Ideally, you can directly contact a local agent in your area to inquire about their services.