San Francisco, CA Auto Insurance (2024)
The average San Francisco, CA auto insurance rates are $360 per month. The minimum auto insurance in San Francisco is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Francisco, California, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in San Francisco for teen drivers is Farmers
- The minimum auto insurance required in San Francisco, California is 15/30/5
- The cheapest auto insurance company in San Francisco is Geico
San Francisco, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in San Francisco can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Francisco, California, including driving record, credit, commute time, and more.
Compare auto insurance in San Francisco to other California cities, including Long Beach auto insurance rates, Bakersfield auto insurance rates, and San Francisco auto insurance rates to see how San Francisco, California auto insurance rates stack up.
Before you buy San Francisco, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Francisco, California auto insurance quotes.
Minimum Auto Insurance in San Francisco, California
San Francisco, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Francisco, California.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap San Francisco, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in San Francisco, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,586 | $3,584 | $2,611 | $2,633 | $10,108 | $12,726 | $4,602 | $5,051 |
| Farmers | $3,311 | $3,311 | $2,988 | $2,988 | $10,639 | $17,490 | $3,932 | $4,386 |
| Geico | $1,886 | $1,888 | $1,775 | $1,775 | $5,747 | $5,852 | $2,711 | $2,774 |
| Liberty Mutual | $2,776 | $2,637 | $2,573 | $2,498 | $6,172 | $6,527 | $3,147 | $3,156 |
| Nationwide | $4,046 | $3,861 | $3,515 | $3,312 | $10,403 | $11,457 | $4,856 | $4,809 |
| Progressive | $1,934 | $1,991 | $1,637 | $1,947 | $5,166 | $6,233 | $2,787 | $2,997 |
| State Farm | $3,524 | $3,524 | $3,148 | $3,148 | $6,482 | $8,030 | $3,903 | $4,026 |
| Travelers | $2,948 | $2,849 | $2,597 | $2,569 | $6,198 | $7,091 | $3,857 | $3,774 |
| USAA | $2,225 | $2,106 | $2,170 | $2,179 | $5,089 | $5,143 | $3,106 | $2,934 |
Cheap San Francisco, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in San Francisco, California is a challenge. Take a look at the annual teen auto insurance rates in San Francisco, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,108 | $12,726 |
| Farmers | $10,639 | $17,490 |
| Geico | $5,747 | $5,852 |
| Liberty Mutual | $6,172 | $6,527 |
| Nationwide | $10,403 | $11,457 |
| Progressive | $5,166 | $6,233 |
| State Farm | $6,482 | $8,030 |
| Travelers | $6,198 | $7,091 |
| USAA | $5,089 | $5,143 |
Cheap San Francisco, California Auto Insurance for Seniors
What are senior auto insurance rates in San Francisco, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,611 | $2,633 |
| Farmers | $2,988 | $2,988 |
| Geico | $1,775 | $1,775 |
| Liberty Mutual | $2,573 | $2,498 |
| Nationwide | $3,515 | $3,312 |
| Progressive | $1,637 | $1,947 |
| State Farm | $3,148 | $3,148 |
| Travelers | $2,597 | $2,569 |
| USAA | $2,170 | $2,179 |
Cheap San Francisco, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Francisco, California compared to the annual auto insurance rates with a clean record in San Francisco, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,368 | $5,699 | $8,952 | $4,432 |
| Farmers | $4,527 | $6,170 | $7,693 | $6,131 |
| Geico | $2,134 | $3,291 | $4,131 | $2,647 |
| Liberty Mutual | $3,200 | $4,289 | $3,864 | $3,390 |
| Nationwide | $4,030 | $5,165 | $8,769 | $5,165 |
| Progressive | $2,020 | $3,434 | $3,978 | $2,913 |
| State Farm | $3,191 | $3,806 | $7,191 | $3,704 |
| Travelers | $2,634 | $4,338 | $5,055 | $3,915 |
| USAA | $2,068 | $3,088 | $5,053 | $2,267 |
Cheap San Francisco, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in San Francisco, California is not easy. Compare the annual rates for DUI auto insurance in San Francisco, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,952 |
| Farmers | $7,693 |
| Geico | $4,131 |
| Liberty Mutual | $3,864 |
| Nationwide | $8,769 |
| Progressive | $3,978 |
| State Farm | $7,191 |
| Travelers | $5,055 |
| USAA | $5,053 |
Cheap San Francisco, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in San Francisco, California can vary. Compare the annual cost of auto insurance by ZIP code in San Francisco, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 94102 | $6,299 |
| 94103 | $6,139 |
| 94104 | $6,119 |
| 94105 | $5,851 |
| 94107 | $5,724 |
| 94108 | $6,098 |
| 94109 | $5,912 |
| 94110 | $5,874 |
| 94111 | $5,831 |
| 94112 | $6,161 |
| 94114 | $5,688 |
| 94115 | $6,020 |
| 94116 | $6,038 |
| 94117 | $5,620 |
| 94118 | $5,936 |
| 94121 | $6,045 |
| 94122 | $5,842 |
| 94123 | $5,746 |
| 94124 | $6,575 |
| 94127 | $5,738 |
| 94128 | $5,415 |
| 94129 | $5,725 |
| 94130 | $6,165 |
| 94131 | $5,618 |
| 94132 | $6,298 |
| 94133 | $6,088 |
| 94134 | $6,542 |
| 94158 | $5,579 |
| 94188 | $5,567 |
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Cheap San Francisco, California Auto Insurance Rates By Commute
Commute length and annual mileage affect San Francisco, California auto insurance. Find the cheapest annual San Francisco, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,061 | $6,165 |
| Farmers | $5,562 | $6,699 |
| Geico | $2,771 | $3,330 |
| Liberty Mutual | $3,384 | $3,987 |
| Nationwide | $5,097 | $6,467 |
| Progressive | $2,798 | $3,375 |
| State Farm | $4,312 | $4,634 |
| Travelers | $3,576 | $4,395 |
| USAA | $2,876 | $3,362 |
Cheap San Francisco, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in San Francisco, California? Check out the comparison of annual San Francisco, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,323 | $5,660 | $5,855 |
| Farmers | $5,732 | $6,177 | $6,483 |
| Geico | $2,802 | $3,083 | $3,267 |
| Liberty Mutual | $3,465 | $3,717 | $3,876 |
| Nationwide | $5,264 | $5,882 | $6,202 |
| Progressive | $2,777 | $3,179 | $3,303 |
| State Farm | $4,062 | $4,547 | $4,811 |
| Travelers | $3,475 | $4,098 | $4,384 |
| USAA | $2,863 | $3,173 | $3,321 |
Best By Category: Cheapest Auto Insurance in San Francisco, California
Compare the cheapest auto insurance companies in San Francisco, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest San Francisco, California Auto Insurance Companies
What auto insurance companies in San Francisco, California are the cheapest? Compare the top San Francisco, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,613 |
| Farmers | $6,130 |
| Geico | $3,051 |
| Liberty Mutual | $3,686 |
| Nationwide | $5,782 |
| Progressive | $3,086 |
| State Farm | $4,473 |
| Travelers | $3,986 |
| USAA | $3,119 |
What affects auto insurance rates in San Francisco, California?
There are a lot of reasons why auto insurance rates in San Francisco, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Francisco, California. Many local factors may affect your San Francisco auto insurance rates.
San Francisco Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Francisco, California auto theft statistics, there have been 4,217 auto thefts in the city.
San Francisco Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Francisco, California commute length is 33.8 minutes according to City-Data.
San Francisco Traffic
How does San Francisco, California rank for traffic? According to Inrix San Francisco, California is the 38th most congested worldwide.
Compare San Francisco, California Auto Insurance Quotes
Before you buy San Francisco, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Francisco, California auto insurance quotes.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the minimum auto insurance requirements in San Francisco, CA?
In San Francisco, CA, the minimum auto insurance requirements are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident These limits are commonly referred to as 15/30/5 coverage.
What does liability insurance cover?
Liability insurance covers the cost of injuries or property damage that you cause to others in an accident where you are at fault. It typically includes both bodily injury liability, which pays for medical expenses and lost wages of the other party, and property damage liability, which covers the repair or replacement costs of their vehicle or other property.
What is collision coverage?
Collision coverage is an optional insurance component that pays for the repair or replacement of your own vehicle if it is damaged in a collision, regardless of fault. It is subject to a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in.
What is comprehensive coverage?
Comprehensive coverage is another optional insurance component that provides coverage for damage to your vehicle caused by non-collision events, such as theft, vandalism, fire, falling objects, or natural disasters. It also covers the cost of replacing your vehicle if it is stolen. Like collision coverage, comprehensive coverage is subject to a deductible.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist (UM/UIM) coverage is designed to protect you if you are involved in an accident with a driver who either has no insurance or does not have enough insurance to cover your damages. It can help pay for medical expenses, lost wages, and property damage resulting from such accidents.
What factors can affect my auto insurance premiums in San Francisco, CA?
Several factors can impact your auto insurance premiums in San Francisco, CA, including your driving record, age, gender, marital status, the type of vehicle you drive, your credit history, the coverage limits you choose, and the deductible amounts. Insurance companies also consider the local crime rates and the frequency of accidents in your area.
How can I save money on auto insurance in San Francisco, CA?
Here are some tips to help you save money on auto insurance in San Francisco, CA:
- Compare quotes from multiple insurance companies to find the best rate.
- Maintain a clean driving record and avoid traffic violations.
- Consider raising your deductibles, but make sure you can afford them if you need to file a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to qualify for discounts.
- Ask your insurance company about available discounts, such as those for good students, safe driving courses, or installing anti-theft devices in your vehicle.
Can I use my auto insurance policy to cover rental cars in San Francisco, CA?
It depends on your policy. Some auto insurance policies provide coverage for rental cars, but the extent of coverage may vary. Review your policy or contact your insurance provider to understand the rental car coverage options available to you.
Do I need additional coverage if I use my personal vehicle for ridesharing services in San Francisco, CA?
Yes, you typically need additional coverage if you use your personal vehicle for ridesharing services like Uber or Lyft in San Francisco, CA. Most personal auto insurance policies do not cover accidents or incidents that occur while using your vehicle for commercial purposes. Rideshare companies usually offer their own insurance coverage during specific periods, but it’s essential to understand the details and consider additional coverage options to ensure adequate protection.
Can my auto insurance policy be canceled by the insurance company in San Francisco, CA?
Yes, insurance companies have the right to cancel an auto insurance policy under certain circumstances. Common reasons for policy cancellation include failure to pay premiums, providing false information on the application, a suspended driver’s license, or a high number of at-fault accidents or violations. However, insurance companies must follow specific procedures and provide notice to the policyholder before canceling a policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.