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Modesto Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $995 less every year
Central Valley Elevation 89 ft Population Pop. 223,000
$1,905
Avg. Full Coverage
25%
Below State Avg
28min
Avg. Commute
Get Free Quote - Save $625

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$1,905 Avg. Annual Full Coverage
$159 Monthly Premium (Clean Record)
25% Below CA Average
$80 Monthly Liability Only
28 min Average Commute Time
Excellent News for Modesto Residents!
Modesto's auto insurance rates are 25% below CA average of $2,532/year. With comprehensive coverage averaging just $1,905 annually, you're saving $627/year compared to the typical CA driver.

Modesto Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $627/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Low (smoke transport)

Dense tule fog, heat, poor air quality. Annual rainfall 13 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 13 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Riverbank
  • Salida

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Fog multi-vehicle on CA-99

Coverage: Collision

Heat tire damage

Coverage: Collision

Smoke paint claims

Coverage: Comprehensive

Hail rare

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog
  • 7+ second following

Wildfire Season

  • Recirculate in smoke
  • Check tires in heat
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

High Risk Level — At-fault accident rate...

CA-99 urban corridor. At-fault rate 13.8%. High traffic volume.

Key Statistics

At-Fault Rate (Modesto) 13.8%
National Average 12%
Commuter-Related Crashes 50%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $80
Monthly Full Coverage (Clean) $159
Annual Full Coverage $1,905
Savings vs. CA Average 25% lower

Common Accident Types

Rear-end on CA-99

Intersection at Briggsmore & McHenry

Warehouse lot collisions

Distracted in downtown

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-99 & Briggsmore Ave

CA-99 & Pelandale Ave

McHenry Ave & Sylvan Ave

Peak Accident Months

December August January
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

High. Theft 3.4 per 1,000. Urban density.

Crime Statistics

Motor Vehicle Theft Rate 3.4 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 16.5 per 1,000
Burglary Rate 480 per 100,000
Violent Crime Rate 4.8 per 1,000
Theft Increase (2023-2025) +22%

Most Stolen Vehicles in Modesto

  1. Honda Civic
  2. Toyota Camry
  3. Ford F-150
  4. Chevy Silverado

High Theft Zones

Exercise Extra Caution in These Areas:

Vintage Faire Mall

Warehouse districts

Downtown

Recommended Anti-Theft Measures

Alarm + immobilizer

GPS tracking

Garage parking

Data Sources: Modesto PD 2024, FBI UCR

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Seasonal Driving Risks in Modesto

❄️

Winter

Fog, flooding

🌸

Spring

Pollen

☀️

Summer

Heat, smoke

🍂

Fall

Harvest, events

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Modesto

Claim Distribution

Comprehensive26%
Collision65%
Liability9%

Average Payouts

Comprehensive$4,000
Collision$5,800

Notable Trends

Smoke Damage Claims +130% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasYes
Speed CamerasNo
Source: CA DMV

Modesto Location & Geography

Major Central Valley city and ag powerhouse. Known for Gallo Winery, Graffiti Summer, and growing logistics. Diverse urban core.

City
Modesto
State
CA (CA)
ZIP Codes
95350, 95351, 95354, 95355, 95356, 95357
County
Stanislaus County
Region
Central Valley
Population
223,000
Growth Rate (2020-2025)
1.8%
Land Area
44.8 sq miles
Population Density
4,982 per sq mi
Elevation
89 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Modesto, CA MSA

Major Roadways

CA-99

CA-132

Briggsmore Ave

McHenry Ave

Pelandale Ave

Sylvan Ave

Insurance Cost Comparison

Coverage Type Modesto Average California Average National Average Your Savings
Full Coverage $1,905/year $2,532/year $2,030/year 25% lower

Demographics & Driving Behavior

Median age 36. 24% drivers 16–24. DUI 2.9 per 1,000.

Age Demographics

Median Age (Modesto) 36
U.S. Median Age 38.8
Drivers Aged 16-24 24%

DUI & Violations

DUI Rate (Modesto) 2.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +81%
Speeding (15+ mph) +26%
At-Fault Accident +46%

Frequently Asked Questions

Credit in Modesto?
No. CA bans credit.
Comprehensive needed?
Yes — for fog and smoke.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Modesto Drivers

Coverage & Savings Tips

  • Get your Modesto quote now.
  • Bundle for 25% savings.
  • Add comprehensive for fog.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

High overall; 25% below CA average due to lower costs but elevated by CA-99, fog, and urban theft. Annual full coverage $1,905.

Last Updated: 2025-11-07