On average your neighbors pay $70 a month.See Your Rates
Centrally located on Highway 99, Modesto has easy access to many tourist attractions in California, whether you’re driving to Santa Cruz, for some fun in the sun or sightseeing at Yosemite National Park. Comparing quotes before you get on the road is the easiest way to make sure you’re getting the cheapest rates possible.
How much is car insurance in Modesto, CA? The poorly maintained roads, terrible traffic congestion, and high crime rate (especially the vehicle theft rate that's one of the worst in the country) means that average car insurance rates in Modesto are much higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.
Prices may vary depending on limits, coverage, and the number of claims filed in your zip code.
|Total Cost Per Year||$841.45|
|Price Per Month||$70.12|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.
QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Modesto and save up to 40% on your premium.
Last year, 5,479 people used QuoteWizard to compare car insurance quotes in Modesto, CA from different companies to find the best rates.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Modesto, CA last year.
This is our list of the 10 most common car makes and models owned by Modesto drivers requesting quotes through QuoteWizard last year.
All Modesto, California drivers are required to maintain basic liability coverage known as the 15/30/5 rule. This rule means each driver's policy must include at least:
According to a recent report published by Allstate Insurance, when it comes to safe driving, Modesto, CA ranked 125th out of 200 US cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.2 years.
Factors that can influence insurance rates are weather and road conditions.
Modesto has a semi-arid climate with, hot summers and mild winters with very little precipitation. Nearly all of the city's 13.19 inches of annual precipitation occurs between November and March.
A recent study by TRIP stated that 32% of Modesto's major roads are in poor condition and 20% are mediocre. These poorly maintained, pothole-filled streets cost drivers $685 a year in extra vehicle operating costs. These additional operating costs are a direct result of driving on rough roads that damage cars, waste time and gas because of delays due to congestion, and are a contributing factor in car accidents.
Traffic data provider Inrix provides a traffic scorecard to rank the most congested US cities. According to their data, Modesto commuters wasted 18 hours in traffic congestion last year, and spent $421 in traffic congestion cost.
Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.
The Superior Court of California County of Stanislaus traffic division website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.
Modesto Police issued 7,262 traffic citations in 2015.
Modesto Police reported 792 arrests for suspicion of driving under the influence (DUI) in 2013.
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Modesto DUI insurance.
Modesto experienced 11 motor vehicle crash fatalities in 2014. This works out to a fatality rate of 0.49 per 100,000 Stockton residents. All traffic deaths are a tragic loss, but considering Modesto’s estimated population of 204,933 this is a safe city in terms of traffic fatalities.
Modesto Police reported 1,983 vehicle thefts in 2016. This is a rate of 9.39 per 1,000 residents. This rate is nearly five times the national average of 2.20 car thefts per 1,000.
Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Modesto drivers. Get a quote and find out whether you’re paying too much for your car insurance.
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