Compare the Cheapest Car Insurance Quotes in Daly City, CA

At $1,441 annually, the average car insurance rates in Daly City are .8% higher than the average rate for the state. The cheapest insurer, Esurance, costs $1,112 per year on average. The price of insurance differs depending on coverage amount and driver profiles. To help you find the best car insurance in Daly City, MoneyGeek has analyzed the cheapest companies with the best service.

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Last Updated: 5/16/2022
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Esurance is the cheapest company with full coverage averaging at $1,112 annually. It also offers the cheapest insurance after a speeding ticket at $1,411. For a state minimum, GEICO charges the cheapest annual cost at $457. Bringing great customer service alongside affordability, MoneyGeek found that Auto Club of Southern California Insurance Group is the best in Daly City.

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The Cheapest and Best Car Insurance in Daly City

The Cheapest Car Insurance Companies in Daly City

In Daly City, the cheapest companies for a full coverage car insurance policy on average are:

  • Esurance: $1,112 per year
  • Progressive: $1,134 per year

Allied, which costs $1,878 per year, is the most expensive option for drivers in Daly City and is 68.9% more expensive than Esurance. A full coverage policy, apart from the basic liability coverage, also provides collision and comprehensive insurance. Personalized quotes vary because of the difference in the chosen liability limits.

Cheapest Car Insurance in Daly City
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,112
  • 2.
    Progressive
    $1,134
  • 3.
    USAA
    $1,140
  • 4.
    GEICO
    $1,155
  • 5.
    State Farm
    $1,235
  • 6.
    MetLife
    $1,336
  • 7.
    CSAA
    $1,376
  • 8.
    Allstate
    $1,447
  • 9.
    Hartford
    $1,530
  • 10.
    Mercury
    $1,618
  • 11.
    Farmers
    $1,674
  • 12.
    Travelers
    $1,795
  • 13.
    Allied
    $1,878

In line with our methodology, MoneyGeek used prices based on a full coverage policy for a 40-year-old male driver.

A full coverage policy protects you from financial responsibility when your car gets damaged, or in case of an accident regardless if you are at-fault. Aside from the basic liability requirements, you are paying extra for the added collision and comprehensive coverage, detailed as follows:

  • Collision Insurance: Covers you for property damages and medical bills as a result of collision with another vehicle or with a stationary object.
  • Comprehensive Insurance: Covers you for other types of damages outside collision which could include theft, hail and vandalism.

Choosing between the types of coverage level should be based on your needs. If you have an older car model, for example, paying a premium that is higher than the total cost to repair in the case it is totaled may not be worth the money at all. That said, a state minimum policy might be a better choice.

Compare Car Insurance Rates in Daly City

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Daly City for Minimum Coverage

Getting a state minimum coverage is the cheapest option to meet the bare minimum and drive legally in Daly City. The following companies offer the cheapest rates for a state minimum coverage:

  • GEICO: $457 per year
  • Progressive: $493 per year

USAA, in fact, is cheaper than the above-listed companies at $454 per year. However, you can only buy from this provider if you have a military background. If you are considering Allied, know that it costs $756 per year. That is $299 more expensive than GEICO’s rates.

A state minimum policy is the most affordable but you are only minimally covered with the lowest liability coverage. You can toggle on the table to see how much it costs if you set a higher liability coverage.

Cheapest Minimum Liability Car Insurance in Daly City
State Minimum

With a state minimum policy, you are paying the lowest monthly cost possible, but it also carries the least protection. In California, you are only covered up to $5,000 for property damage. Consider if you’ve hit a fire hydrant. Aside from the actual cost of replacing the city property, labor costs, wasted water and water bursts can easily add up to more than $6,500 which you will have to pay with your own money.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Daly City if You Have Driving Violations

Driving violations can hurt your record causing your car insurance rates to go up. Below are the cheapest companies for specific violations:

  • Cheapest after a ticket: Esurance, $1,411 per year
  • Cheapest after an at-fault accident: CSAA, $1,729 per year
  • Cheapest after a DUI: Mercury, $2,664 per year

Military members with a speeding ticket can take advantage of USAA policies which are less expensive at $1,247 per year. Improving one’s driving habits is one way to lower your premiums, but comparing companies that charge cheap car insurance rates after violations is the best solution in the meantime.

Cheapest Car Insurance in Daly City With a Violation
Speeding Ticket

Average Cost of Car Insurance in Daly City

Daly City$1,441
California$1,429
U.S.$1,424

In Daly City, drivers pay an average of $1,441 per year for car insurance. This rate does not differ significantly from the average state rate, which is only 0.8% lower at $1,429 yearly. Compared to the national rate, average insurance costs in Daly City are only 1.2% higher. You can find the average car insurance rates for your state by comparing quotes from different insurers online.

Personalized Quotes to Get You the Cheapest Car Insurance in Daly City

Age, driving record and coverage amount are some of the factors that your insurer will use to determine car insurance rates. This means that it is important to get personalized quotes that suit your profile frequently. You can also find out if you are eligible for discounts and rebates by comparing personalized quotes from different providers.

Compare Car Insurance Rates in Daly City

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Daly City

To help you find quality coverage at affordable rates, MoneyGeek ranked the best car insurance companies in Daly City and found that the best insurers are:

  • Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

The highest scorer, USAA, is only available to former and current members of the military. MoneyGeek’s scoring system evaluates companies based on their customer satisfaction ratings, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Since the rate of car thefts, car accidents and other risk factors vary from one location to the next, your car insurance costs can vary depending on your ZIP code.

In Daly City, car insurance in 94015, the cheapest ZIP code, costs $1,368. This is $145 less than the most expensive ZIP code, 94014. To find the cheapest rates for your ZIP code and state, you can compare quotes from different car insurance companies online.

  • Zip Code
    State Minimumper year
  • 94015
    $1,368
  • 94014
    $1,513

Factors That Impact Insurance Costs in Daly City

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Daly City. How Daly City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities283rd/300
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall194th/300
umbrella icon
Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Daly City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.