How Much Does Auto Insurance Cost in Modesto, CA?
Modesto pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Modesto's diversified economy.See our methodology
Auto Insurance Pricing in Modesto, CA
In Modesto, auto insurance costs are 5% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 215K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in auto insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Modesto: higher cost of living in coastal areas; more affordable inland.
Modesto has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Modesto vs National Average
What Affects Auto Insurance Cost in Modesto?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Modesto Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
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Tips to Save on Auto Insurance in Modesto
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Modesto Cost Trends (2020–2024)
Prices have increased +18.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $160 | — |
| 2021 | $167 | +4.4% |
| 2022 | $178 | +6.6% |
| 2023 | $183 | +2.8% |
| 2024 | $189 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Modesto
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Modesto than other cities?
Modesto's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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