Modesto Insurance Rates:

Modesto, CA home insurance is nearly $506 to $685, about $42-$57/month. Our comprehensive guide reveals consumers can save as much as $238 by comparing multiple quotes

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Modesto, California Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Modesto Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $120/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Bath 3360 sqft Primary Residence Constructed In 2012 with Hardwood Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $270/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Baths 2070 sqft Primary Residence Constructed In 2008 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $260/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1370 sqft Vacation Property Constructed In 1984 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2920 sqft Vacation Property Constructed In 1982 with Stone Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $550/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4370 sqft Rental Property Constructed In 1981 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $640/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 2760 sqft Seasonal Residence Constructed In 1987 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $200/4 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1300 sqft Primary Residence Constructed In 1950 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Modesto, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95356 $250,700 $610
95357 $234,300 $610
95355 $216,300 $610
95350 $165,500 $600
95358 $159,500 $600
95354 $148,600 $590
95351 $119,200 $590

Modesto Rates & Quotes Analysis:

Modesto Area Estimated House Insurance
Kings Mill Ct, Boone Way, Sorrel Ct, E Hackett Rd, Salisbury Ln, Penridge Ct, Millwood Dr, Silver Oak Ct, Hamble Ln, Avanel Ct$599
Ensenada Dr, el Paso Ave, Anita Ct, Melanie Ct, Sausalito Dr, Henry Ave, Cherry Oaks Pl, E Hackett Rd, Pequino Ave, el Vecino Ave$593
Clevenger Dr, Sonora Ave, Bonanza Way, Triplett St, Hilltop Ln, Daisy Ln, Curry Ave, Whitfield Way, Mac Gregor Ct, Devin Dr$599
Marguerite Way, Ave D, Dora St, Rocky Brook Dr, Los Palos Way, Primotivo Ct, Superior Ave, Wolverine Way, Atchison St, Lifescapes Dr$598
de Harro St, Academy Ave, Heavenly Way, Amanda Dr, Bluegrass Ln, Rose Garden Ct, Bridle Path Ln, Clogston Way, Peter John Way, Damask Ct$596
Independence Way, Woodvale Dr, Skybright Dr, Laguna Dr, Vanderwall Ln, Kendee Rd, Golf Links Rd, Chickaree Ln, Brisas Ct, Alpine Spring Ct$585
Wellington Dr, Norseman Dr, Cora Way, Carol St, Tyrus St, Joseph Rd, Woodfall Ln, Mason Way, Thornbury Way, Rodeo Cir$601
Fiesta Way, River Valley Cir, E Rumble Rd, Wainwright Dr, Rocky Ln, Howard St, Arcaro Dr, Wilma Dr, Howard Ave, Rockwood Pl$594
Wyatt Way, Bowie Ave, Trudi Way, Lenore Dr, Mokelumne Ct, Hillery Dr, Bonnevier St, Royal Ann Dr, Clarendon Ct, Descanso Way$589
Cortez Ct, Lansing Dr, Rubens Cir, Sage Ct, Potter Ave, N Morton Blvd, Silvaire Ct, Comanche Ct, Larisa Ln, Irene Ave$591

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,790 Homes (11% of total) built between 1990 to 1999 in Modesto are paying home insurance between $858-$867 and differs from Riverdale Park (+$39), Del Rio (+$116), Salida (+$10), Airport (-$14) and Bystrom (-$20).
  • Bedrooms: 26,980 2 bedrooms homes (25% of total homes ) in Modesto are paying about $179 compared to Riverdale Park (+$8), Del Rio (+$17), Westport (+$5), Airport (-$3) and Bystrom (-$4).
  • Auto Insurance Bundling: 24,420 Households (42% of all households) in Modesto have 2 vehicles available and when it is bundled with home insurance you can save $119 compared to Airport ($117), Bystrom ($116), Shackelford ($116).
  • Senior Discounts: 26,817 seniors (more than 55 years) occupied housing units (46% of total) in Modesto get discounts between $89 to $91 in contrast with Airport ($87), Rouse ($86), Empire ($88).
  • New Homes discounts: New homes such as the 39,022 homes built between 2000 to 2009 in Modesto can save $119 and differs from Airport ($117), Bystrom ($116), Shackelford ($116).

Modesto Homeowners insurance Facts

  • Modesto, CA has 57,712 owner occupied houses which is 57.3% of all units whereas Airport, Bystrom and Shackelford have 43.17%, 43.37% and 35.37% respectively.
  • Modesto, CA homeowners yearly insurance price at $595 is 0.34% of the typical house value of $176,600 which is in contrast with 0.53% in Airport, 0.65% at Bystrom & 0.68% in Shackelford.
  • Homeowners in Modesto, CA pay 1.4% of their income ($40,000 to $44,999) in insurance whereas homeowners in Airport, Bystrom and Shackelford pay 1.38%, 1.37% and 1.37% respectively.
  • Modesto, CA’s insurance is 2.9% of monthly housing costs of $1,740/month, for owners with a mortgage compared to 2.99% in Airport, 3.87% at Bystrom & 3.45% in Shackelford. But, for households without a mortgage, insurance is 12.2% of costs ($405 in Modesto, CA) in contrast with 21.29% in Airport, 13.68% at Bystrom & 16.7% in Shackelford.

Modesto, CA Home Values & Insurance rates

For example, insurance for 6,216 Homes (11.0% of total homes ) valued between $300,000 to $399,999 in Modesto, CA is about $1,178. Rates in nearby areas in such as Riverdale Park, Riverbank, Stanislaus County are cheaper by $544, $74, $90 respectively while Airport and Empire are costlier by $688 and $541 respectively for similar homes.

Modesto, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,728 7.0% $83
$50,000 to $59,999 998 1.0% $172
$60,000 to $69,999 984 1.0% $214
$70,000 to $79,999 1,112 2.0% $249
$80,000 to $89,999 1,883 3.0% $285
$90,000 to $99,999 1,605 3.0% $315
$100,000 to $124,999 5,305 10.0% $368
$125,000 to $149,999 6,058 11.0% $458
$150,000 to $174,999 6,900 13.0% $547
$175,000 to $199,999 4,541 8.0% $630
$200,000 to $249,999 7,708 14.0% $755
$250,000 to $299,999 5,688 10.0% $928
$300,000 to $399,999 6,216 11.0% $1178

Renters Insurance in Modesto

  • Average Renters Insurance in Modesto :  $209($17/month)

  • Median Gross Rent in Modesto :  $977

  • Modesto Renters Insurance to Median Rent Ratio:  1.74%

  • Renter occupied housing units in Modesto :  43,002

Modesto Renters Insurance as a Percentage of Rent

Modesto Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 872 2.0% $802
$300 to $499 1,856 4.0% $1252
$500 to $749 6,779 16.0% $1927
$750 to $999 12,244 29.0% $2677
$1,000 to $1,499 14,775 35.0% $3802
$1,500 or more 4,843 11.0% $5452

Rent Affordability in Modesto:

Approximately 54.0% (23,247) of households are spending more than 35% of their income on gross rent in Modesto

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,666 6.0%
15.0 to 19.9 percent 4,218 9.0%
20.0 to 24.9 percent 4,571 10.0%
25.0 to 29.9 percent 4,438 10.0%
30.0 to 34.9 percent 3,862 8.0%
35.0 percent or more 23,247 54.0%

Modesto Renters Insurance Discounts:

Modesto Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Modesto, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 18,343 42.0% $20.9
2 vehicles available 13,508 31.0% $31.35
3 or more vehicles available 5,016 11.0% $41.8

Protective device discount in Modesto Up to :  $31

Claims-free discount in Modesto Up to :  $41