In San Francisco, GEICO, Mercury and Capital Insurance Group offer some of the most affordable car insurance options. However, rates can vary based on your driving history and the type of coverage you choose. Below is a table showing which company is the most affordable in different common categories, helping you find the best fit for your needs.
Cheapest Car Insurance in San Francisco, CA
Updated: March 31, 2025
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Key Takeaways
The cheapest car insurance companies in San Francisco are GEICO, Progressive, Mercury, CSAA and State Farm.
The lowest car insurance rates in San Francisco start at $34 per month for minimum coverage and $93 per month for full coverage.
The average cost of car insurance in San Francisco is $58 per month for minimum coverage and $148 per month for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the California Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in San Francisco
| GEICO | Minimum Coverage | $34 |
| GEICO | Full Coverage | $93 |
| GEICO | Teens | $216 |
| GEICO | Young Adults | $40 |
| GEICO | Senior Drivers | $34 |
| GEICO | Drivers With a Speeding Ticket | $52 |
| Mercury | Drivers With a DUI | $72 |
| Capital Insurance Group | Drivers With an Accident | $56 |
| GEICO | Military Affiliated Drivers | $34 |
Cheapest Car Insurance Coverage in San Francisco
Finding the cheapest car insurance in San Francisco requires comparing rates from multiple providers. Costs vary based on age, driving history, vehicle type and coverage needs. While the cheapest car insurance in California may not align with San Francisco's lowest rates, obtaining car insurance quotes ensures you get affordable coverage tailored to your situation.
Cheapest Minimum Coverage Car Insurance in San Francisco
GEICO offers the cheapest minimum coverage car insurance in San Francisco at $34 per month, followed by Progressive at $39. Check the table below to explore more providers offering great rates for state minimum coverage.
| GEICO | $34 | $23 |
| Progressive | $39 | $18 |
| Mercury | $45 | $13 |
| CSAA | $46 | $12 |
| State Farm | $46 | $12 |
| Capital Insurance Group | $49 | $9 |
| Kemper | $49 | $8 |
| Farmers | $50 | $8 |
| State National | $53 | $4 |
| Hartford | $57 | $1 |
Cheapest Full Coverage Car Insurance in San Francisco
GEICO offers the cheapest full coverage car insurance in San Francisco at $1,116 per year. Check the table below to see which providers offer the best rates for full car insurance coverage.
| GEICO | $93 | $55 |
| Progressive | $95 | $54 |
| Capital Insurance Group | $119 | $29 |
| Mercury | $122 | $26 |
| State Farm | $125 | $23 |
| Hartford | $126 | $22 |
| Kemper | $131 | $17 |
| State National | $138 | $11 |
Cheapest Car Insurance in San Francisco by Age
In San Francisco, your age won't affect your car insurance rates. This helps keep prices fair for everyone regardless of age.
Cheapest Car Insurance in San Francisco for Teens
For teens in the Bay Area, the most affordable car insurance comes from GEICO, State Farm and Capital Insurance Group. Check the table below for the lowest rates for your age group in the city.
| GEICO | $216 | $102 | $266 | $59 |
| State Farm | $224 | $93 | $208 | $117 |
| Capital Insurance Group | $266 | $51 | $248 | $77 |
| Allstate | $285 | $32 | $304 | $21 |
| Progressive | $306 | $11 | $298 | $27 |
Cheapest Car Insurance in San Francisco for Young Adults
For young adults seeking affordable car insurance for young adults in the Bay Area, GEICO is the top choice with an annual rate of $480, which is 43% cheaper than the city average. CSAA, Progressive and State Farm also offer competitive rates for young drivers.
| GEICO | $40 | $30 |
| CSAA | $46 | $24 |
| Progressive | $47 | $24 |
| State Farm | $52 | $18 |
| Capital Insurance Group | $54 | $16 |
| Mercury | $56 | $15 |
| Farmers | $59 | $12 |
| State National | $63 | $7 |
Cheapest Car Insurance in San Francisco for Seniors
GEICO offers the cheapest car insurance for seniors in San Francisco with an annual rate of $408. Check the table below to explore options from other providers and find the best rates for senior drivers.
| GEICO | $34 | $24 |
| State Farm | $35 | $23 |
| Progressive | $40 | $18 |
| Mercury | $46 | $12 |
| Capital Insurance Group | $47 | $10 |
| Hartford | $50 | $8 |
| CSAA | $50 | $7 |
| Farmers | $52 | $6 |
| State National | $52 | $6 |
| Nationwide | $57 | $1 |
| Kemper | $57 | $1 |
Cheapest Car Insurance in San Francisco After a Driving Offense
Insurance providers assess risk when calculating premiums, and your driving record is key. Violations like speeding tickets, accidents or DUIs can raise your rates. Even the cheapest car insurance for drivers with violations is more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in San Francisco After a DUI
For drivers with a DUI on their record in San Francisco, affordable car insurance is still within reach. Mercury offers the cheapest minimum coverage at an annual rate of $864. Check the table below to explore options from other providers and find the best rates for drivers with DUI in San Francisco.
| Mercury | $72 | $62 |
| GEICO | $82 | $53 |
| National General | $82 | $52 |
| Progressive | $84 | $51 |
| Capital Insurance Group | $84 | $50 |
| Farmers | $85 | $49 |
| Kemper | $112 | $22 |
Cheapest Car Insurance in San Francisco After an Accident
Capital Insurance Group offers the most affordable minimum coverage car insurance in San Francisco for drivers with an at-fault accident, at an annual rate of $672. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Capital Insurance Group | $56 | $35 |
| CSAA | $57 | $35 |
| GEICO | $61 | $31 |
| Farmers | $68 | $24 |
| State Farm | $73 | $19 |
| State National | $76 | $16 |
| Progressive | $77 | $15 |
| Mercury | $80 | $12 |
| Hartford | $83 | $9 |
| Nationwide | $91 | $1 |
Cheapest Car Insurance in San Francisco After a Ticket
GEICO offers the most affordable car insurance for San Francisco drivers with a speeding record at $624 annually. Capital Insurance Group follows closely with a rate of $648 per year. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| GEICO | $52 | $28 |
| Capital Insurance Group | $54 | $26 |
| CSAA | $57 | $23 |
| Mercury | $57 | $23 |
| Kemper | $66 | $14 |
| Farmers | $68 | $12 |
| State Farm | $70 | $11 |
| Progressive | $70 | $10 |
| State National | $76 | $4 |
Cheapest Car Insurance in San Francisco for Military Drivers
Military drivers — including active-duty members, veterans and their families — can often find special discounts and competitive rates on car insurance in San Francisco. Among the cheapest car insurance providers for military drivers, GEICO offers a state minimum coverage at $408 annually, while USAA's rate is $420.
| GEICO | $34 | $22 |
| USAA | $35 | $21 |
| Progressive | $39 | $17 |
| Mercury | $45 | $12 |
| CSAA | $46 | $11 |
| State Farm | $46 | $11 |
| Capital Insurance Group | $49 | $8 |
| Kemper | $49 | $7 |
| Farmers | $50 | $6 |
| State National | $53 | $3 |
Car Insurance Quotes in San Francisco
The estimated car insurance rates above offer San Francisco drivers a glimpse into potential premiums, serving as a helpful starting point for those seeking affordable options. Yet, because car insurance companies consider individual factors, obtaining quotes from the insurer is the best way to get an accurate estimate of actual costs.
Compare San Francisco Car Insurance Estimates Online
Since insurers weigh individual factors differently when determining car insurance costs, comparing quotes is the key to finding affordable rates. In the City by the Bay, MoneyGeek allows drivers to enter basic info and receive multiple quotes in minutes. For example, GEICO offers monthly rates at $34, while USAA is $35.
Car Insurance Calculator
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$192
High
$139
Average
$87
Low
Rates updated:
Jul 09, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in San Francisco
While comparing car insurance quotes online can swiftly reveal affordable options, those in the City by the Bay seeking personalized advice should consider reaching out to local agencies. GEICO offers a monthly rate of $34, while USAA is slightly higher at $35. Find top San Francisco agencies below.
How Much Does Car Insurance Cost in San Francisco?
In San Francisco, full coverage car insurance averages $1,776 yearly. State minimum coverage is cheaper, averaging $696 annually. These rates are for a 40-year-old with good credit and a clean driving record, and your own rate may differ.
San Francisco Auto Insurance Cost by Driver Profile
The table below shows the average auto insurance costs for different driver profiles in San Francisco to help you find affordable coverage.
| Teen Drivers | No Data | $325 |
| Young Adults | $71 | $184 |
| Senior Drivers | $57 | $144 |
| Drivers With Bad Credit | No Data | No Data |
| Drivers With a Speeding Ticket | $80 | $208 |
| Drivers With a DUI | $135 | $352 |
| Drivers With an Accident | $92 | $236 |
| Military Affiliated Drivers | $56 | $145 |
How Expensive Is Car Insurance in San Francisco?
In San Francisco, minimum coverage car insurance costs about the same as the California average. Full coverage is about 7% pricier in the city, costing $148 monthly compared to the state's $138.
| City Avg Rate | $58 | $148 |
| State Avg Rate | $58 | $138 |
| vs State Avg Rate | $0 | $-10 |
Car Insurance Requirements in San Francisco
In California, drivers must have car insurance that meets the state minimum for coverage, which includes specific amounts for bodily injury and property damage liability. These requirements ensure that you carry enough insurance to cover costs if you're responsible for an accident.
The minimum coverage amounts are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
An auto insurance policy with these minimums provides financial protection against the expenses from damages or injuries you might cause to others in an at-fault accident. Liability coverage doesn't pay for your own damages or injuries, but it's there to protect your financial responsibility towards others.
For instance, if you're at fault in an accident and the other driver has medical costs of $10,000, your bodily injury liability coverage would cover this expense, given it's within the $15,000 per person limit. However, if their expenses exceed your coverage limit, you could be personally responsible for the difference.
Drivers needing SR-22 insurance in San Francisco must maintain at least these minimum coverage limits. An SR-22 is a certificate proving you have the necessary insurance to drive legally after certain traffic violations.
Cheapest Car Insurance in San Francisco: Bottom Line
Getting the most affordable car insurance in San Francisco depends on factors like your age, the car you drive and your driving history. GEICO and State Farm often have the lowest rates, but always compare quotes to get the best deal.
Cheap San Francisco Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in San Francisco. We answer common questions about state minimum coverage to guide you to the best coverage for your needs.
What is the cheapest car insurance company in San Francisco, California?
The cheapest car insurance company in San Francisco, California, is typically GEICO, with average rates of $408 per year for minimum coverage and $1,116 per year for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in San Francisco, California?
The average cost of car insurance in San Francisco, California, is $1,776 per year for full coverage, while minimum coverage averages $696 per year. These rates can vary depending on your specific circumstances.
Is car insurance in San Francisco, California, expensive?
Car insurance in San Francisco, California, is not considered expensive compared to the state average. Compare quotes from different insurers to ensure you're getting a competitive rate.
How We Chose the Cheapest Car Insurance in San Francisco, CA
To help San Francisco drivers find the most affordable auto insurance companies, MoneyGeek analyzed San Francisco auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services.
San Francisco Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in San Francisco with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in San Francisco
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.