Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Modesto

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Modesto Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

121

Reviewed

75

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
822 9th Street, Modesto, CA 95354
  • Multiple Carriers

Why choose this provider?

The Source Auto Insurance Agency LLC is a Modesto insurance business offering auto insurance solutions to drivers who have spotless or poor driving records. It has three coverages under a car insurance policy, including property damage, bodily injury liability, and medical payments. Its team provides comparison quotes from multiple carriers and presents them to clients. The company can also serve the entire state of California. Other insurance products include motorcycles, boats, SR-22, commercial automobiles, and classic cars.

License Verified:

License: 0H19957

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (145)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1800 Tully Road, Modesto, CA 95350
  • Bundling Option
  • Motorcyle & ATV

Why choose this provider?

SaveDirect Insurance Agency, LLC assists individuals and families in securing auto insurance protection plans in Modesto. The business assigns independent agents to each customer and assists them in shopping for coverages from over 100 insurance companies. Its team secures drivers and car owners during their trips with adequate property, medical, and liability coverage. Insurance carriers will also cover medical expenses if clients injure someone while operating their vehicles. Additionally, the company has DUI and SR-22 specialists on board.

License Verified:

License: 0K39776

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (148)
Facebook
5.0 / 5 (44)
Yelp
4.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1317 Oakdale Road, Modesto, CA 95355
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

TSM Insurance Services is an independent agency that provides Modesto individuals, families, and businesses auto insurance solutions. It has insurance products for various types of vehicles, including motorcycles, boats, RVs, ATVs, and quads. The company's agents respond to clients' insurance concerns as quickly as possible and work with them on a personal level. They customize insurance policies and discuss clients' current coverages to determine if they have all the coverages they need. TSM Insurance Services has access to multiple insurance carriers.

License Verified:

License: 0288149

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.4 / 5 (13)
Yelp
4.5 / 5 (7)

Website
1532 Standiford Avenue, Modesto, CA 95350
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Nick Winters is a State Farm insurance agent servicing the Modesto community. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. The agency also offers banking and investment services for clients. Winters is a member of the Modesto Chamber of Commerce. He provides 24/7 consultation services for all insurance needs. Services are available in English and Spanish.

License Verified:

License: 0G96207

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (39)
Facebook
5.0 / 5 (18)
Yelp
4.5 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3508 Dale Road, Modesto, CA 95356
  • Motorcyle & ATV

Why choose this provider?

Arrowhead Insurance Agency is an independent company that has served clients in Modesto since 1998. Its agents educate applicants on coverages like accident forgiveness, medical liability, and collision compensation. The company examines each driver and their history to determine if they are safe, normal, or high-risk. It then tailors policy plans that cover specific dangers like roadside service or uninsured motorists. Arrowhead also provides custom coverage for businesses like accounting firms, healthcare facilities, and construction companies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (30)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
120 East Hatch Road, Modesto, CA 95351
  • Multiple Carriers

Why choose this provider?

Goal Auto Insurance Services is a local agency that provides a wide variety of car insurance coverage options to protect clients against financial losses. It has been serving the Modesto community for over 20 years. Tax services are also offered, covering unexpected mistakes or misunderstandings. Its team of agents helps clients in picking the best insurance policy based on their specific needs and budgets. The company's services are available in English and Spanish.

License Verified:

License: 0K01570

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1367 Standiford Avenue, Modesto, CA 95350
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Lamoure's Insurance is a car insurance agency based in Modesto that has spent its lifetime building a strong and trustworthy business. The agency helps its clients understand the intricacies of insurance design and scope, such as options for emergency road service to comprehensive and collision coverages. The agency also offers a multi-car policy, which gives clients the option to combine policies with just about anyone they live with. Other services that the agency offers include boat, RV, umbrella, and homeowners' insurance.

License Verified:

License: 0626329

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (6)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you file a claim against the car insurance of the at-fault party in Modesto?

    Yes. California is an at-fault state, which means that the party responsible for a car accident in Modesto must compensate the injured victims. Individuals hurt in an auto accident can file a claim against the at-fault party’s insurance policy. The insurance company will then process compensation within the policy's injury and property damage coverage limits.

  • Whose auto insurance policy will be used if someone else gets into an accident while driving your car in Modesto?

    An auto insurance policy usually covers the vehicle and not the driver. This means that if someone else gets into an accident while driving your car in Modesto, then your insurance policy will be used to cover the losses and damages. Your insurance provider will pay the claim for another person’s medical expenses or damaged vehicle based on your policy's coverage.

  • Does your auto insurance policy in Modesto cover you when you rent a car?

    If your auto insurance policy in Modesto includes comprehensive and collision coverage on your vehicle(s), then yes, it will cover you when you rent a car. However, this is only applicable if you, your spouse, a family member, or any listed driver on your policy are the ones driving the rental car.

  • Can you use your personal auto insurance policy in Modesto when renting a commercial vehicle?

    No, you cannot use your personal car insurance to cover you if you are driving a commercial vehicle in Modesto. If you plan to rent a commercial vehicle, you must purchase insurance from the rental agency. It is recommended to buy the "walk away" coverage so that if anything happens to the rental car, you can just return it to them.

  • Can you get car insurance in Modesto even if you don't have a car?

    Yes, if you don't have a car in Modesto, you can still acquire an auto insurance policy called non-owner auto insurance. This type of insurance protects you from liability for bodily injury and property damage if you become involved in a car accident and are at fault. This can be secondary coverage if the car owner's insurance plan is not enough to completely pay for medical bills and repair costs. A non-owner auto insurance plan is recommended for people who rent cars frequently, plan to borrow a vehicle, or simply don't have a car at the moment.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.