How Much Does Small Business 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
Small Business Insurance Pricing in Modesto, CA
In Modesto, small business 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 small business 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 small business 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 Small Business Insurance Cost in Modesto?
Coverage
General liability only: $30-$100/month. BOP (GL + property): $50-$200/month. BOP + workers comp: $150-$400/month. Full package: $200-$600/month
Industry
Office/consulting: $30-$100/month. Retail: $50-$200/month. Restaurant: $200-$500/month. Construction: $300-$1,000+/month
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
📐 Small Business Insurance in Modesto Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Small Business Insurance Pros in Modesto, CA
6 providersAll-Pro HVAC Solutions
🏆 SPONSOREDServing Modesto and surrounding areas since 2004. Licensed, insured, and committed to quality workmanship at fair prices.
Quality Plumbing
⭐ PREMIUMServing Modesto and surrounding areas since 2018. Licensed, insured, and committed to quality workmanship at fair prices.
Premier Electrical
✅ VERIFIEDAre You a Small Business Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for small business insurance in Modesto, CA.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Small Business Insurance in Modesto
- 1.A BOP (Business Owner's Policy) bundles GL + property at 15-30% savings
- 2.Pay annually instead of monthly to save 5-10%
- 3.Higher deductibles reduce premiums
- 4.Shop multiple carriers — rates vary 30-50% for the same coverage
📈 Small Business Insurance in Modesto Cost Trends (2020–2024)
Prices have increased +18.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $155 | — |
| 2021 | $162 | +4.5% |
| 2022 | $173 | +6.8% |
| 2023 | $178 | +2.9% |
| 2024 | $184 | +3.4% |
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 Small Business Insurance in Modesto
Recent Reports
Frequently Asked Questions
What insurance does a small business need?
At minimum: general liability ($30-$100/mo) and property insurance if you have a physical location. Add professional liability for service businesses, workers comp if you have employees, and commercial auto if you use vehicles for business.
Why does small business 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.
Small Business Insurance Cost in Nearby Cities
Related Cost Guides for Modesto
Popular Services in Modesto
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.