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Car insurance in Modesto

Start with our experts’ 4 best car insurance companies to find the right choice for you.

Whether you’re heading to the reservoir or hitting downtown, make sure you’re well-protected with solid coverage, perks and low rates. Our experts shortlist recommended companies in Modesto to help you narrow down your car insurance options.

4 best car insurance companies for Modesto drivers

  • Metromile: Best for low mileage
  • Wawanesa: Best local company
  • Geico: Best for insuring multiple vehicles
  • CONNECT by American Family: Best overall

Best car insurance companies list for Modesto drivers

The best car insurance company for you depends on your personal driving needs. For example, if you work on your own farm and don’t drive much, consider companies that reward a low annual mileage. If you own a car, boat and an RV, you might look for companies with wide coverage and discounts on all your vehicles.

Best for low mileage: Metromile

Metromile

Finder rating 4 / 5 ★★★★★

Metromile offers a pay-per-mile policy that uses a device plugged into your car to track your driving. Then, you can keep tabs on your mileage through its highly rated app. The app lets you file photo claims, edit drivers or coverage, understand your car's check engine warnings, track your car's location and more. Plus, the company offers free perks, like waiving your collision deductible if you’re in an accident with an uninsured driver and deductible-free glass repair.

Best local company: Wawanesa

Wawanesa Mutual

Finder rating 3.5 / 5 ★★★★★

You're bound to come across Wawanesa when shopping for competitive rates and top-tier customer service in Modesto. Many customers claim that Wawanesa's rates are unbeatable compared to competitors. Plus, with Wawanesa, you'll see fewer renewal rate increases compared to bigger-name competitors. And year after year, this company takes the top spot for California in J.D. Power's Auto Insurance Study.

Best for insuring multiple vehicles: GEICO

Geico

Finder rating 4 / 5 ★★★★★

Geico combines a reputation for low rates, many discounts and a variety of policies for bundling. Get up to 25% off for insuring several cars while buying your home, boat or RV policies through one of Geico's partners. On top of those options, enjoy the brand's popular app, which lets you access your ID card, file claims, search for gas stations and receive car maintenance reminders.

Best overall: CONNECT by American Family

Connect

Finder rating 4 / 5 ★★★★★

Costco lovers and safe drivers land deep discounts with CONNECT, an insurance brand powered by American Family. Many customers report saving over $600 per year after switching their home and auto insurance. Plus, you get free perks like roadside assistance and post-accident travel expenses with some memberships.

How we chose these insurers

To find the best insurance companies in Modesto, our experts considered both national, regional and local companies. We looked for companies with a variety of coverage, high customer satisfaction and many discounts that customers have come to expect from their companies. We also considered the customer ratings and reputation of each company in the Modesto area.

State minimum car insurance requirements in Modesto

You’ll need at least liability coverage to hit the road in Modesto, but the state minimums are some of the lowest requirements in the country. Consider limits well above the legal minimums to get plenty of protection.

  • Bodily injury liability — $15,000 for injuries to one person, $30,000 for injuries to multiple people
    Modesto sees many serious car accidents now compared to a few years ago. Consider upping your liability limits to pay for medical bills or legal costs if you get in an accident.
  • Property damage liability — $5,000 for someone else’s property damage
    This coverage kicks in if you collide with another driver’s car, hit a pole or fencing or damage personal belongings like cargo.
  • Uninsured or underinsured motorist — Usually the same as your liability limits
    You’ll be offered uninsured or underinsured motorist coverage by Modesto car insurers. While you can reject it in writing, think about keeping it to protect yourself if you get hit by an underinsured driver.

We recommend full coverage for Modesto drivers

When buying car insurance, consider adding collision coverage for at-fault accidents and comprehensive coverage for damage from weather, animals, theft or vandalism. Keeping liability, collision and comprehensive coverage on your policy is called full coverage in insurance terms.

Why full coverage? Whether you’re commuting or parked at your favorite trail, there’s a chance that your car can get damaged and need repairs. If the accident is your fault or doesn’t involve hitting another car, you’ll pay for those repairs. However, with full coverage, you can make a claim with your car insurance company.

In Modesto’s county, fatal crashes have risen 70% in 5 years

By sheer numbers, Modesto’s county, Stanislaus, isn’t one of the worst areas for car accidents in California. However, Stanislaus has seen a 5-year swell in both numbers of fatal and injury-only crashes.

In 2017, drivers in the county were injured in nearly 50% more accidents than in 2012. People were killed in nearly 70% more accidents than they were five years ago.

Since these accidents are on the rise, think about raising your bodily injury liability limits as well as keeping uninsured motorist bodily injury coverage on your policy.

County# of accidents w/ injuries in 2017# of fatal accidents in 2017
Los Angeles62,574715
Orange15,173197
San Francisco4,01325
Ventura3,98048
Stanislaus (includes Modesto)3,25472

Modesto is No. 10 for California counties with the most car thefts

As the tenth worst county for auto thefts in California, the Modesto area is a hotspot. However, its number of thefts sits far below other counties. For example, Los Angeles experienced 63,000 thefts in 2020, according to the National Insurance Crime Bureau.

To protect yourself against the possibility of auto theft, think about adding comprehensive coverage to your policy. You’ll pay about $8 extra per month for the coverage, according to the National Association of Insurance Commissioners auto insurance cost in California. However, that premium is worth it if you need to buy another car because of theft.

Year# of car thefts in Modesto
20183,449
20193,156
20202,711

How to save on car insurance in Modesto

No matter which company you choose, you can shave dollars off your premium by following these tips:

  • Compare several companies. Insurers quote different rates based on a variety of factors. It pays to shop around.
  • Bundle policies. The discount offered by each company varies based on the types of policies, such as bundling a car with home, renters or other vehicles.
  • Take a defensive driving course. Most companies discount your rates for taking an approved driving refresher course. Plus, the discount lasts for three to five years.
  • Install an antitheft device, like GPS tracking. Put your insurance company at ease about recovering your car if it gets stolen with a quality theft recovery device.

Compare cheap car insurance in California

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
All states except AK, HI, LA, MA
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
AK, AZ, CA, MT, NV, UT and WY
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
State Farm
No
Yes
Drive Safe and Save
Yes
All 50 states
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

Bottom line

Your two major decisions about car insurance are which company to go with and how much coverage to buy. Given Modesto’s sharp increase in serious accidents, consider buying well above the legal minimums for your car insurance coverage.

Then, compare a variety of car insurance companies to make sure you’re getting the best deal, starting with our experts’ choices for Modesto.

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