Modesto Insurance Rates:

Modesto, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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The Best Modesto, CA, Home Insurance Companies

The average home insurance rate in Modesto, California, is between $506 to $685. Modesto homeowners can compare quotes from multiple home insurance companies to identify the cheapest one according to their coverage needs. To help Modesto homeowners, we have curated a list of the top 5 home insurance companies in California based on market share.


State Farm

State Farm is the leading home insurance company in California, occupying a market share of 17.56% in California. The renowned home insurance company has written direct premiums worth $1,469,169 and has earned direct premiums worth $1,405,885. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity in granting potential claims of current Modesto policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


Farmers is another major player in the insurance segment, holding a market share of 15.97% in California. The company has direct premiums written for a total value of $1,335,894 and has earned direct premiums worth $1,293,054. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current Modesto policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction score of 3/5.


CSAA follows Farmers in terms of market share, occupying 6.51% of the share. It has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA has an excellent financial ability for granting potential claims, with an A rating by A.M. Best. J.D. Power has awarded CSAA with a score of 3/5 on customer satisfaction.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 6.24% in California. The home insurance company has direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D. Power.


Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Modesto policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Modesto, CA Homeowners Insurance By Home Value

Modesto, CA Home Value Total Homes % of Total Average Modesto, CA 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

Top Home Insurance Agents Near Modesto, CA

Home Insurance Company Near Modesto, CA Homeowners Insurance Agency Near Modesto, CA Address
Farmers Eric Lee 1199 Atwater Blvd, Atwater, CA, 95301
Liberty Mutual Independent Gene Morgan Insurance Agency 2020 Fourth Street, Livermore, CA, 94550
Travelers Iii-Patrick Dean Schumacher 701 S HAM LANE STE A, LODI, CA, 95242
State Farm Jose Martinez 2200 Sand Creek Rd Ste D, Brentwood, CA, 94513-7110
Allstate Scott Fahlgren 1508 Coffee Rd Ste G, Modesto, CA, 95355

Modesto, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Modesto, CA

Streets in Modesto Area Homeowners Insurance Cost
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

Modesto, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Modesto$89 to $91

Modesto, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Airport CDP, California $88 $117 $176
Bystrom CDP, California $87 $116 $174
Shackelford CDP, California $87 $116 $174

Modesto, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Modesto, CA2.9%12.2%

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

Average Cost Of Home Insurance By Company In Areas Nearby Modesto For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsTokio Marine America214
15000025041-70 YearsAIG Prop Cas855
1500005004-6 YearsAmica Mutual655
1500005004-6 YearsPacific Specialty461
1500005004-6 YearsStillwater Prop & Cas Co542
1500005007-15 YearsWawanesa503
15000050026-40 YearsTravelers482
15000050041-70 YearsNationwide690
200000500NewCentury National536
200000500NewHartford (Sentinel)572
20000050016-25 YearsChubb/Federal1068
20000050016-25 YearsIDS Property Casualty866
20000050026-40 YearsGrange551
20000050026-40 YearsPrivilege Underwriters Exch1291
25000010007-15 YearsState Farm753
2500005001-3 YearsHorace Mann436
2500005001-3 YearsKemper619
25000050016-25 YearsUniversal North America789
25000050026-40 YearsFirst American Ins802
25000050041-70 YearsCalifornia Capital756

Modesto, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Modesto Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,900$10,400
Net Savings to Modesto Home Owner from High Deductible Plan $500

Modesto, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Modesto, CA Home Replacement Value MORE than Home Value Modesto, CA Home Replacement Value LESS than Home Value
Replacement Value $216,000 $122,500
Insurance Premium based on Replacement Value $650 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,500 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Modesto Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualChubb Group of Insurance
Monthly Premium 312793
Year Built 198719901975
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$200000-$250000$400000-$500000
Deductible > $10,000 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Modesto, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 215,000 Asphalt Shingles Roof 1,890 3 $5000 to $10,000 Deductible 190 6 Vinyl siding yes
2008 175,000 Asphalt Shingles Roof 1,820 4 $1000-$2500 Deductible 580 12 Stone Siding No
1971 300,000 Metal Roof 3,100 4 $500- $1000 Deductible 290 5 Stone Siding yes
1964 240,000 Metal Roof 2,070 4 $500 Deductible 180 4 Stone Siding yes
1988 385,000 Shingles Roof 3,250 5 $500 Deductible 480 4 Stone Siding No
2005 530,000 Composition Roof 4,450 5 $500- $1000 Deductible 670 5 Brick siding yes
1998 215,000 Metal Roof 2,340 4 $500 Deductible 120 2 Wood siding yes
1978 220,000 Asphalt Shingles Roof 2,300 5 > $10,000 Deductible 300 12 Stucco siding No
1987 195,000 Membrane Roof 1,870 4 $500- $1000 Deductible 40 1 Brick siding yes
1988 180,000 Metal Roof 2,070 4 $5000 to $10,000 Deductible 190 10 Vinyl siding yes
1991 215,000 Shingles Roof 1,800 3 $500 Deductible 200 3 Brick siding No
2014 220,000 Composition Roof 2,670 4 $2500-$5000 Deductible 110 3 Stucco siding yes
1997 210,000 Membrane Roof 1,980 3 $1000-$2500 Deductible 180 4 Stone Siding No
1965 275,000 Shingles Roof 3,050 5 $5000 to $10,000 Deductible 400 12 Vinyl siding yes
2011 185,000 Asphalt Shingles Roof 1,710 4 $500- $1000 Deductible 180 5 Stone Siding No
1997 390,000 Tile Roof 3,290 4 $1000-$2500 Deductible 800 10 Stone Siding No
2009 515,000 Wood Shake Roof 4,420 5 > $10,000 Deductible 170 3 Vinyl siding yes
1986 125,000 Membrane Roof 1,480 3 $1000-$2500 Deductible 140 6 Brick siding No
1971 135,000 Shingles Roof 1,330 3 $500- $1000 Deductible 30 1 Stone Siding No
1988 325,000 Slate Shingles Roof 2,830 4 $1000-$2500 Deductible 320 6 Fiber-Cement Siding No
1986 305,000 Shingles Roof 2,900 4 $500 Deductible 410 6 Stucco siding No
2002 325,000 Shingles Roof 2,670 5 $2500-$5000 Deductible 80 1 Stone Siding No
1987 155,000 Slate Shingles Roof 1,850 3 $1000-$2500 Deductible 40 1 Vinyl siding No
1965 215,000 Tile Roof 2,260 3 $5000 to $10,000 Deductible 270 6 Stone Siding No
2012 410,000 Shingles Roof 3,360 4 $5000 to $10,000 Deductible 120 2 Vinyl siding yes
2008 245,000 Slate Shingles Roof 2,070 3 > $10,000 Deductible 270 7 Vinyl siding yes
1984 135,000 Metal Roof 1,370 3 $500- $1000 Deductible 260 7 Stone Siding yes
1982 350,000 Tile Roof 2,920 4 $500- $1000 Deductible 570 9 Fiber-Cement Siding yes
1981 500,000 Membrane Roof 4,370 5 $2500-$5000 Deductible 550 7 Stone Siding No
1987 285,000 Asphalt Shingles Roof 2,760 5 $500 Deductible 640 9 Wood siding yes
1950 165,000 Wood Shake Roof 1,300 3 $500- $1000 Deductible 200 4 Vinyl siding yes

Latest Home Insurance Reviews

Liberty Mutual
I would recommend Liberty Mutual to others because the coverage is adaptable to fit your needs, and while the price is more than I thought it's not terrible.
State Farm
State Farm's policy offerings for home insurance is the same as all the insurances out there. They have the basic, the medium and the expensive options.
State Farm
I would recommend this company. I have been with them for my whole home owning life, as well as the rest of my family, they're always attentive and ready to help you with whatever you need.
I would recommend this company because its very affordable and they are friendly
Liberty Mutual
Liberty mutual has been great. Great low quotes. Excellent company. The customer service is outstanding. I give them a rating of five.
State Farm
I always feel the premium is very high. I would be willing to shop around for the lowest price, but my husband likes State Farm.
State Farm
Overall, I think State Farm offers great insurance at an affordable price. They also let you bundle home and auto for an added discount.
State Farm
I would give it a 4. The premium and deductible are a reasonable price compared to other home insurance policies for the same coverage.
Fremont Home Insurance
it takes sometimes late service.
State Farm
The claims process is extremely streamlined with state farm. when i have to file a claim they are very helpful and sometimes i even get a check within the day
State Farm
I do not like that they are often slow to update contact information. i had an incident occur and failed to receive necessary information because my contact details were incorrect in their system.
State Farm
State farm has a slick, painless homeowners claim process. i've had 2 large claims in the past 15 years (storms) and both were settled within one week.
State Farm
It's a pretty cheap premium, from what I understand, compared to other companies and I feel like it covers a lot of things.
Farmer's Insurance
I dislike the high price coverage that I'll never use. why make me insurance my 60k house for 300 k.
State Farm
The agent and/or her secretary have always been responsive to my needs and any questions or concerns I have had in the past. They are great about returning phone calls or calling to check on certain issues.
They don't call me at random because it's the day the payment usually goes through (unlike State Farm) and unless something happens they kind of leave me alone. It's simple but effective communication
State Farm
There is always room for improvement but again because I can go into my agent's office and speak with them - it is very valuable
Every person from Travelers that I've ever spoken to on the phone has been incredibly pleasant, personable, and has taken a real personal interest in helping me solve my problem and lower my premiums. It really has the feel of an old-fashioned, customer-centric company. They seem to sometimes get a few details mixed up, but they are good-hearted and I know they have my back.
State Farm
The customer service with American National Property and Casualty Company is second to none. They actually listen as opposed to just give a quick, scripted response. They aren't in a rush to push you off of the phone.
State Farm
The app is very easy to use. Intuitive and can navigate with ease. I find it easy to do anything from making a claim to pay my bill. It is a very good app.
State Farm
They are a great company that is willing to accommodate your needs and special situations. Their customer service is great and I believe that the extra 3% of my premium makes up for the customer service that a lot of other companies have even with low premiums
I have not experienced bad service but based on reviews from other people some agents seem to misinformed or under informed on how to handle certain issues
Saferoad Insurance
I like everything from customer support, I like what they offer, the prices, what I get from the prices, would choose another company ever
State Farm
Highly recommend my insurance company and agent. They are very good and know how to handle customers
Farmer's Insurance
Their offerings are comparable to other carriers, they have a ton of different options to choose from so whatever kind of insurance you need they will have it
Stillwater Insurance Group
I think the company overall has met all of my needs. my biggest complaint would be that they do not have their own mobile app and that their website is not as intuitive or easy to navigate as others. I think if they redid those than I would give them a 5-star review.
State Farm
They are well known and seem to have really good customer service whenever we have needed them to come through.

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