Auto Insurance in Modesto (95358)
California · Above Average · 63th percentile statewide
Carrier Rates in 95358
6-month premiums from SERFF rate filings. Standard driver profile.
How 95358 Compares
Modesto (95358) is above average for auto insurance in California, ranking in the 63th percentile.
The cheapest carrier is USAA at $532/6mo — 70% less than the most expensive (Allstate at $1,797).
The median premium of $945 is 4% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Modesto (95358)?
The median 6-month premium in Modesto (95358) is $945 across 9 carriers. Premiums range from $532 to $1,797, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95358?
USAA offers the lowest rate in 95358 at $532/6mo. That's 70% less than the most expensive option (Allstate at $1,797/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 95358?
Auto insurance rates in Modesto (95358) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Modesto ranks in the 63th percentile statewide, meaning it's above average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 95358?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.