In Modesto, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If you're prioritizing price, Allstate provides the lowest premium at $92 per month.
Cheap Home Insurance in Modesto
Updated: June 12, 2025
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Key Takeaways
State Farm is the best overall home insurance company in Modesto, while Allstate is the cheapest with average rates of $1,103 per year.
Home insurance in Modesto costs an average of $124 per month or $1,485 per year for most homeowners.
To get the best and cheapest home insurance in Modesto, assess your coverage needs, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Modesto
| State Farm | 87 | $102 | $1,219 |
| Allstate | 83 | $92 | $1,103 |
| Chubb | 73 | $144 | $1,726 |
| Travelers | 72 | $129 | $1,552 |
| Farmers | 70 | $123 | $1,473 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Modesto Home Insurance Cost?
Home insurance rates in Modesto depend on factors like your home’s age, chosen coverage and personal profile. Costs range from $38 to $455 monthly. Use the table below to explore rates tailored to your situation.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $38 | $453 |
How to Get the Best Cheap Home Insurance in Modesto
Finding affordable home insurance in Modesto can be tough. We've put together a step-by-step guide to help you secure the best cheap homeowners insurance for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding available discounts will help you find companies offering lower rates.
- 3
Compare Company Offerings and Reputations
Beyond price, evaluate add-on coverages and company reputation for claims handling, customer service and policy management. Resources such as J.D. Power, the NAIC, Reddit and Trustpilot offer insights into reviews and service quality.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes for equivalent coverage helps you identify the provider offering the most affordable rates. Since prices vary by source, use online tools, independent agents and captive agents to ensure you get the best deal.
Best Home Insurance in Modesto: Bottom Line
The best and most affordable home insurance companies in Modesto are State Farm, Allstate and Chubb. While these are our recommendations, compare multiple quotes on your own to ensure you're getting the best rate.
Modesto Home Insurance: FAQ
Below, we answer common questions about home insurance in Modesto.
Who offers the best home insurance in Modesto?
We recommend State Farm as the best home insurance provider in Modesto for its competitive pricing, excellent service and extensive coverage options. Consider getting quotes from Allstate, Chubb, Travelers and Farmers.
Who has the cheapest home insurance in Modesto?
Allstate has the most affordable home insurance for the average homeowner in Modesto, costing about $92 per month or $1,103 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Modesto?
Home insurance costs in Modesto range from $453 to $5,461 annually, depending on the age of the home and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Modesto
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Modesto. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.