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Cheap Car Insurance in Modesto, California

Home to an estimated 205,000, Modesto has plenty of options for cheap car insurance. The city lies 90 miles east of San Francisco in northern California’s Central Valley. Originating as a railroad stop between Sacramento and Los Angeles, the city was the inspiration for “American Graffiti,” a film by the now famous Modesto native George Lucas. Modesto is also home to the largest winery in the world: E&J Gallo Winery. The city’s official motto, “Water Wealth Contentment Health,” is displayed on the downtown arch featured in photographs and postcards.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Modesto, CA. Shop for your cheap auto insurance today!

Driving Conditions in Modesto

Interstate 5 and State Route 99 provide major highway access to Modesto, which in 2014 was ranked the 8th Safest City for Driving in California and 72nd in the U.S. by the Allstate Best Drivers Report.

City planners have added a number of roundabouts in an effort to ease traffic congestion with what has been described as varying degrees of success.

Compared to average U.S. Cities commute of just over 25 minutes, Modesto has a longer commute time of 26.7 minutes, according to Census Bureau data. A traffic map and information can be accessed at i5highway.com or at chp.ca.gov/traffic.

Unique Laws in Modesto

On California roads, numerous exemptions apply to farm vehicles and equipment. Among them: A driver’s license is not needed to drive them, they can exceed maximum vehicle height and they require fewer lights and reflectors.

For regular vehicles, however, California is among a handful of states that enforce laws against driving too slow. While on the subject of sharing the road, note that bike lanes in California should be treated as full lanes if you are turning right, meaning you cannot turn right from the car lane by crossing over the bike lane.

Modesto Crime Statistics

The Modesto metro area has the dubious honor of being among the top spots on the National Insurance Crime Bureau’s list of cities with the highest vehicle theft rates. Based on 2016 crime data, Modesto landed at No. 4. The city’s car rate of 767 incidents per 100,000 people is far above the national average of 220 incidents per 100,000 people, according to Census Bureau reports.

The Modesto Police Department maintains up-to-date advisories, crime maps and incident reports at modestogov.com/223/Police-Department.

Modesto Safety Requirements

The California Office of Traffic Safety’s “Click It or Ticket” program assures drivers they will receive a ticket if they or their passengers do not wear safety belts. It is illegal to text or talk on the phone while driving in Los Angeles, though drivers may use hands-free devices. For bicyclists, helmets are not required by law except for minor children.

Modesto Impaired Driving Laws

According to the California Highway Patrol, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08. For drivers under the age of 21, the limit is 0.01. Offenders may be ordered to enroll in sober driving programs. However, some first-time offenders could face up to six months in jail as well as fines and court costs. Their licenses are also immediately suspended for up to one year.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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