Modesto has 219,215 residents in 72,989 households. We list 4 agencies for commercial auto insurance in Modesto. Here is what the local numbers say about the cover people here need.

Modesto at a glance

4commercial auto insurance agencies listed
41.1%of households rentRenters insurance
$442,700median home valueHome insurance
1978median year homes were builtRebuild cost calculator
6.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Stanislaus County

FEMA rates the overall natural hazard risk in Stanislaus County, where most Modesto agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Modesto

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Modesto How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Where Modesto agencies are

Modesto agencies we list sit in 4 ZIP codes, mostly in Stanislaus County.

953501 agency
953511 agency
953551 agency
953561 agency

Questions

Commercial Auto insurance in Modesto

All insurance agencies in Modesto · Commercial Auto insurance across California

Where can I find commercial auto insurance in Modesto?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial auto insurance cover?

Covers vehicles used for business, which personal auto policies exclude.

Do I need flood insurance in Modesto?

FEMA's National Risk Index rates inland flooding risk in Stanislaus County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Commercial Auto insurance near Modesto

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