Get and compare insurance quotes for free


How to Get the Best Rates on Car Insurance in Modesto, California

If you’re looking for the best rates on car insurance in Modesto, California, then there are several things you need to know. While your credit score is not the only factor in determining your rate, it is certainly a significant factor as well. In fact, lawmakers have considered credit scores to be discriminatory when determining rates. Listed below are some tips to help you get the best rates on car insurance in Modesto, California.


If you’re looking for car insurance in California, Geico can provide the coverage you need at a price you can afford. This company’s reputation for providing excellent service has earned them a top spot in our state’s automotive insurance market. Despite the fact that our local economy is not the most promising, the insurance industry offers several ways to reduce costs. Here are a few of them. Geico’s drive-tracking app, DriveEasy, can save you money on your insurance. This app tracks your driving habits, including speeding, harsh braking, texting, and more. To qualify for a price reduction, all drivers on your policy must participate.

Modesto residents can enjoy some of the lowest car insurance rates in California, thanks to GEICO. Its car insurance premiums are the lowest in Modesto, and it is important to remember that each driver’s driving history will determine their final rate. Modesto drivers in their 50s and 60s pay on average $1,671 for their full coverage insurance policy with Geico. Geico offers the lowest car insurance rates in Modesto for drivers with clean driving histories.

The average price of full coverage in Modesto for a driver with a DUI is $5,232 per year, nearly three times higher than for someone with a clean driving record. However, if you have a military background, the cheapest option is through USAA, which costs $1,222 per year. This insurance company encourages you to compare rates with other companies for a more accurate quote. The best way to compare car insurance in Modesto is to shop around. If you’re a veteran, the cheapest option is through a military discount.

A good way to lower your rates is to make sure you have enough coverage. Geico offers mechanical breakdown coverage to new cars. This coverage is renewable for seven years and 100k miles. While these policies may seem costly, they can help you get through a wreck. Remember that the cheaper car insurance policy may not be the best option for your personal insurance needs. You must also make sure you’ve reviewed the coverage before signing up.


If you’re looking for the cheapest car insurance in the country, Mercury could be your best option. They have a range of options, including liability protection, medical payments, rental vehicle, and more. Mercury car insurance is available in over 11 states, but not all agents in every state offer the same products and services. Fortunately, this company is working to expand its service areas. For those in the California market, you can find a policy with Mercury through PTL Insurance Brokers.

When you file a claim, be sure to request a thorough investigation from your insurance provider. Mercury has a duty to investigate all claims properly, and a negligent investigation could be grounds for a lawsuit. You may also be entitled to additional compensation for your pain and suffering. If you don’t get the full amount that you are owed, you may have grounds for a bad faith Mercury car insurance claim. You will have a better chance of recovering more money if you’re dealing with a reputable insurer.

If you’re looking for cheap car insurance in the California market, Mercury is a solid choice. While its rates aren’t the cheapest, they’re competitive, and they offer a variety of discounts. You can get a discount for bundling multiple policies, and you’ll save money if you maintain a good driving record. You can also find discounts for e-signature and anti-theft devices. Whether you’re shopping for cheap car insurance or a high-quality policy, Mercury offers great rates and service.

When it comes to finding cheap car insurance in Modesto, Mercury is an excellent option. They offer competitive rates and discounts and are available in eleven different states. However, be sure to read the fine print before deciding which insurance company to choose. Remember, there’s no substitute for quality service and a great policy. Take a few minutes to compare rates and find the best deal for your budget. You won’t regret it.


Auto insurance premiums in Modesto are highly influenced by zip code. Zip codes vary in their accident and property crime rates. Therefore, you will have higher auto insurance rates if you live in a particular zip code. If you live in Modesto, then you should know that the zip codes 95358, 95351, and 95354 are the most expensive in Modesto. The zip codes 95356, 95357, and 95350 have the lowest rates.

If you have a clean driving record, then you can expect to pay an average of $1,854 per year for a full coverage policy. For a DUI driver, the rate is almost three times higher than that of a clean-record driver. If you have had an accident in the past, then you will most likely be charged more than a clean-record driver. However, there are some ways to cut down your premiums. Mercury, for example, has a cheapest rate for full coverage in Modesto at $2,558. Mercury’s rate is $1,027 lower than Geico’s rate of $3,585.

State of California

If you’re looking for cheap car insurance in Modesto, California, you’ve come to the right place. According to recent data, Modesto saw 1,983 vehicle thefts last year, nearly five times the national average of two car thefts per 1,000 cars. As a result, it’s important to understand what factors contribute to the rate you pay. The best way to lower your insurance rates is to qualify for discounts. The following are some of these.

First, you should know that there are two types of car insurance in California: full and liability. Liability insurance only pays for damages to the other person’s vehicle when you’re at fault in an accident, and it doesn’t cover the cost of repairs to your own car. It’s not enough to get into a wreck, either. Liability insurance also won’t cover vandalism or theft.

Rates vary based on many factors, including age, vehicle make, and driving record. Young drivers pay the highest premiums, while drivers over 65 pay the lowest rates. Teenagers are considered high-risk drivers, and they’re likely to see their rates decrease as they gain experience. Married drivers, on the other hand, pay much lower premiums than single drivers. Married drivers are often considered more responsible and financially stable.

Aside from car insurance, State Farm also offers a number of additional coverages for Modesto residents. Homeowners insurance, for example, can protect your home from fire, theft, and storms. Renters insurance can protect your belongings in your home or storage unit if you ever have a loss. A combination of these policies can lower your costs in Modesto. You can also combine homeowners and renters insurance to receive a comprehensive policy.

Average rate

The average rate for car insurance in Modesto CA is $5,232 per year, which is approximately three times the rate of an uninsured driver. Mercury offers the cheapest coverage at $2,558 per year. This is a $1,027 savings over the second-highest rate, which is $3,616. You’ll also need to consider your driving history and where you live. There are many other factors that will impact the total cost of your premium, such as your age and gender.

Property crime is a major factor that affects car insurance premiums. Cities with higher rates of property crimes will have higher car insurance rates, and insurance providers will charge higher premiums to cover the risk of large comprehensive claims. Getting a few different car insurance quotes from different companies can help you save a considerable amount of money. However, you must take the time to shop around to find the best deal. Once you’ve compared different companies, you’ll have a much better idea of which one is the best option for your particular needs.

Getting the lowest rates on Modesto car insurance will depend on your specific driving history. Drivers with accidents and prior incidents tend to pay more than the average Californian. The national average is $1,548 per year. However, it’s important to note that the average rate of $1,860 per year for full coverage car insurance in Modesto is a lower number than the statewide average. Your age and marital status are also important factors.

The average rate for car insurance in Modesto varies widely by age. Younger drivers generally pay less than those aged 70 and older. Teenagers are considered high-risk drivers, and they pay the highest rates. However, this is likely to decrease as they gain experience. And, married drivers typically pay lower rates than single drivers. Insurers consider married drivers as more financially stable and responsible. This is another reason why they are offered lower rates.