Modesto Car Insurance

The Zebra
May 30, 2018

Car Insurance in Modesto

With premiums within $56 of the state average, Modesto has rates that are fairly equivalent to California. Who doesn't like to save money? Check out some ways to save on car insurance in Modesto.

  • City Average: $1,769
  • State Average: $1,713
  • National Average: $1,427

Modesto Car Insurance by Age

When Modesto drivers hit their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by 61%, the largest gap between any age group. Premiums continue to trend downward up until drivers hit 70. At $1,502, drivers in their 60s have the smallest payments among any age group. People in their 50s ($1,552) have premiums that aren't much higher. Teenage drivers have the largest premiums out of all the age groups. They pay around $6,623 per year on car insurance premiums.

  • Teenagers: $6,623
  • 20s: $2,602
  • 30s: $1,734
  • 40s: $1,677
  • 50s: $1,552
  • 60s: $1,502
  • 70s: $1,667

Modesto Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of prices on car insurance. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In Modesto, drivers with either a DUI or reckless driving infraction have rates nearly triple the average for the city ($1,769). Nobody plans on being in an accident, but things happen, so be aware of what one can do to your rates. Being at-fault in an accident costs drivers an additional 57% per year to insure your vehicle in Modesto.

  • DUI: $5,011
  • Reckless Driving: $5,011
  • At-fault Accident (damages less than $1000): $2,774
  • At-fault Accident (damages greater than $2000): $2,774
  • Speeding Ticket (16-20 mph over speed limit): $2,404

Modesto Car Insurance by Gender and Marital Status

Various driver characteristics, including marital status and gender, impact car insurance premiums in Modesto. You can save around 4% per year if you're married as opposed to single. Rates for those who are widowed are somewhat cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums deviate is minimal.

  • Female: $1,767
  • Male: $1,769
  • Single: $1,769
  • Married: $1,696
  • Divorced: $1,769
  • Widowed: $1,702

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance each year.

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