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Get Cheap Car Insurance in West Modesto, Modesto, CA
We monitor insurance prices, helping the average driver in West Modesto save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in West Modesto
The chart below shows the cheapest car insurance company in West Modesto for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| West Modesto Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $63 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of West Modesto Driver
Based on our extensive insurance data, we know the average West Modesto driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $706 per year by choosing the right vehicle insurance company. Some West Modesto residents are paying out over $2,207 extra every year for auto insurance in West Modesto. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
West Modesto, Modesto, CA Savings / Yr. |
|---|---|
$706 |
|
$1,293 |
|
$1,022 |
|
$1,796 |
|
$922 |
|
$400 |
|
$0 |
West Modesto Car Insurance vs. Modesto
People living in West Modesto pay an average of 9.91% more than the typical driver in the state. The average driver in West Modesto can expect to pay about $1,033 per year, or $2,207 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in West Modesto for most people.
Car Insurance Prices by West Modesto Neighborhood
Insurance Prices
Where is insurance cheapest within West Modesto?
The map shows insurance prices in and around West Modesto, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $463 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,323 to a low of $1,860. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of West Modesto.Pick the Best Car Insurance Company for You in West Modesto
The best car insurance provider for most drivers in West Modesto
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $706 over the average West Modesto car insurance company.
The best car insurance provider for West Modesto drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,293 over the competition.
The best car insurance company for West Modesto drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,022 better than other car insurance companies.
The best auto insurance for West Modesto drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,796 less each year.
The least expensive car insurance company for new and young drivers in West Modesto
In West Modesto, State Farm costs young drivers $922 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in West Modesto
Progressive gave the largest car insurance discounts to married couples, averaging $400 saved each year compared to an average West Modesto couple's premiums.
The cheapest car insurance in West Modesto for drivers with bad credit
The best West Modesto car insurance company for customer service
Nationwide was the best company for customer service in West Modesto according to the NAIC.
Recent price drops
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The cheapest large national provider in West Modesto
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average West Modesto driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In West Modesto, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around West Modesto
What Influences the Cost of Car Insurance in West Modesto?
On average, car insurance in West Modesto is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in West Modesto is 37 minutes, which is about the national average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in West Modesto are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- West Modesto is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in West Modesto is $86 per month for minimum coverage and $184 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- South Modesto Acres: Insurance costs 1.86% more
- Downtown Modesto: Insurance costs 2.40% less
- Shackelford: Insurance costs 3.58% less
- Bystrom: Insurance costs 0.18% more
- Mayfield: Insurance costs 5.26% less
- Crossroads-Riverbank: Insurance costs 6.30% less
- Downtown Turlock: Insurance costs 5.21% less
- Downtown Oakdale: Insurance costs 4.53% less
- Downtown Waterford: Insurance costs 2.95% less
- Downtown Newman: Insurance costs 9.38% less
Neighborhoods with Similar Populations
- Avenida Guadalupe: Insurance costs 7.84% less
- Avondale: Insurance costs 15.72% more
- Becks Park: Insurance costs 6.80% less
- South Park: Insurance costs 13.64% less
- Beechwood: Insurance costs 24.92% more
- Broadview Park: Insurance costs 47.71% more
- Lincoln Village West: Insurance costs 3.94% less
- Elgin Historic District: Insurance costs 17.54% less
- Forest Hills: Insurance costs 36.57% less
- Fifth by Northwest: Insurance costs 46.58% less