GEICO offers the cheapest full and minimum coverage in Daly City. Which insurance is ideal for you depends on your driving history.
GEICO is best for drivers with tickets, Capital Insurance Group is the top option for DUIs, National General is ideal for those with accidents, USAA tops the list for military drivers, and State Farm is best for teens.
GEICO is MoneyGeek’s best overall and cheapest, while Chubb has the best customer service.
Cheapest and Best Car Insurance in Daly City, CA








Cheapest Minimum Liability Car Insurance in Daly City
The most affordable minimum coverage auto insurance in Daly City is available through these companies:
- GEICO: approximately $368 per year
- State Farm: approximately $449 per year
National General is the most expensive insurance in the state for minimum coverage, with average annual rates of $976.
The liability limits for minimum coverage insurance are established by state law. In California, the following bodily injury and personal property damage coverage is provided:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Only third-party damages are covered by minimum coverage. Your car or your personal losses are not covered. For instance, if you have $15,000 bodily injury liability per person and $30,000 bodily injury liability per accident, the insurance company will only cover $15,000 in damages to any victim and up to $30,000 per incident.
Cheapest Full Coverage Car Insurance in Daly City
The following providers offer the cheapest full coverage auto insurance to drivers in Daly City:
- GEICO: approximately $1,039 per year
- Progressive: approximately $1,131 per year
Chubb’s rates are the highest for full coverage in the city, at $1,973 a year.
Get full coverage insurance that covers comprehensive and collision coverage to prevent having to pay hefty out-of-pocket expenses for damages to your own vehicle.
- Comprehensive coverage: Covers the price of damages brought on by an obstruction or a natural disaster
- Collision coverage: Covers damages to your car brought on by an accident, like a collision with a barrier or another car
A full coverage policy might not be practical if you have an older vehicle since paying more for a less valuable car might not make sense.
Cheapest Car Insurance in Daly City After a Driving Offense
The cheapest companies in Daly City for the cheapest full coverage auto insurance for drivers with driving records include:
- Speeding ticket: GEICO (approximately $1,554 per year)
- At-fault accident: Capital Insurance Group (approximately $1,669 per year)
- DUI: National General (approximately $1,850 per year)
At roughly $2,863 annually, Nationwide is the most expensive for speeding tickets. Hartford is the most expensive for DUIs at around $5,493 annually, and Kemper charges the highest premiums of around $3,907 for at-fault accidents. Driving records could impact and increase even the cheapest insurance rates, especially after any of these incidents.
Insurance rates increase based on the degree of the driving offense. For example, in Daly City, if you receive a DUI, you can expect to incur an increase in insurance costs of around $2,225. Drivers with tickets might pay up to $661 more per year. There is still cheap auto insurance available even with a poor driving history.
Cheapest Car Insurance in Daly City for Teens and Their Families
For teen drivers in Daly City, the cheapest auto insurance could be purchased from:
- State Farm: approximately $2,658 per year for female and male teens
- GEICO: approximately $2,978 per year for female teens; $3,140 per year for male teens
Male teens frequently pay higher rates than female teens because they are riskier to insure, but this is not always the case. Nationwide offers the most expensive rate for teens in Daly City. Families must pay the same amount of $5,904 to add a male or female teen to a policy. It is important to compare quotes to find the best deals for teens.
Finding the cheapest car insurance for teens could help families save a substantial amount of money each year. The price of teen car insurance is substantially greater if they get insurance on their own, so adding a teen to the family plan is a smart decision. In Daly City, the cost of a solo policy for a male teen is $673 more expensive than the cost of being included in a family policy.
Cheapest Car Insurance in Daly City for Military Drivers
The following companies offer the cheapest car insurance in Daly City for both current and former service members as well as their families:
- USAA: approximately $962 per year
- GEICO: approximately $1,039 per year
The prices listed above are for full coverage. USAA, which caters to the military community, emerged as the best full coverage auto insurance in Daly City. If you choose minimum coverage, GEICO becomes the cheapest car insurance for military members in the city at roughly $368 per year, while USAA is the runner-up at around $422 annually.
How to Compare Cheap Daly City Car Insurance Quotes Online
It could be challenging to get auto insurance rates from insurance companies online, especially since they need a lot of personal information that may take up to 15 minutes to provide.
MoneyGeek's insurance calculator instantly estimates your rates from a variety of insurers based on your age, preferred level of coverage, car model and driving history.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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Best Car Insurance in Daly City: Summary
Depending on your preferences, there could be different best auto insurance options. MoneyGeek found the companies that offer the top auto insurance in Daly City:
- Best overall: GEICO (MoneyGeek score 75 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: GEICO (MoneyGeek score 78 out of 100)
The weightings are different in each category, impacting the scores. CSAA is MoneyGeek's top overall pick for the best California auto insurance providers.
If you have a military background, USAA is an excellent choice, earning 85 out of 100.
Best Overall Car Insurance in Daly City
MoneyGeek's analysis of service, cost and other factors placed the overall best auto insurance companies in Daly City:
- GEICO: MoneyGeek score 75 out of 100 (approximately $1,039 per year)
- Progressive: MoneyGeek score 71 out of 100 (approximately $1,131 per year)
Because of its outstanding ratings for affordability and financial stability among the 15 Daly City companies, GEICO received the highest overall rating.
USAA also comes highly recommended if you have military experience. It has 85 out of 100 MoneyGeek ratings and has affordable premiums, with full coverage annual rates averaging $962.
How was this MoneyGeek score calculated?

pros
Scored highly in affordability
Good score in customer satisfaction
Provides unique mechanical breakdown coverage
Offers common and unique discounts
cons
Weak claims management score
No new car replacement or better car replacement coverages
COMPANY HIGHLIGHTS
GEICO earned top marks for affordability, cementing its position as the overall best auto insurance in Daly City. Standard coverages are available from this company, along with a unique mechanical breakdown coverage that gives superior protection at a lesser cost than the conventional dealer-extended warranty. However, it lacks the new car replacement or better car replacement coverage that other insurance companies normally provide.
The insurer provides reasonably priced insurance, but you can further reduce insurance costs by utilizing their discounts. GEICO offers discounts for safe driving, for installing an anti-theft system in your automobile and for bundling or insuring multiple vehicles.
It is important to note that the company scored low when it came to claims management, so policyholders should be prepared for a more stressful experience if they file a claim.
Best Car Insurance in Daly City for Customer Service
Without considering price, these are the top insurers in Daly City for customer service:
- Chubb: MoneyGeek score 76 out of 100 (approximately $1,973 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $1,415 per year)
Chubb has outstanding ratings from MoneyGeek in client satisfaction and claims satisfaction. However, it offers the most costly insurance rates among 15 insurance companies in the city.
How was this MoneyGeek score calculated?

pros
High ranking in customer satisfaction
Good claims management rating
Offers diminished value coverage, OEM coverage and antique/classic car insurance
cons
Most expensive insurance rates
Below-average ratings on coverage options
COMPANY HIGHLIGHTS
In comparison to other companies of its size, Chubb receives fewer complaints from customers. This is why the company is named MoneyGeek’s best auto insurance in Daly City for customer service. However, Chubb charges auto insurance for expensive rates, meaning that you’ll pay a higher premium in order to get excellent customer service.
Chubb offers diminished value coverage, which means you’ll get a check for the value of your car if it’s lost or stolen during a covered loss. With OEM coverage, the insurer will pay to have your car repaired with original equipment to ensure your vehicle’s safety. Antique/classic car coverage is another great option for those with vehicles over 30 years old that are garaged and used for hobby purposes only.
Best Cheap Car Insurance in Daly City
MoneyGeek's analysis of auto insurance that satisfies California's minimum coverage requirements ranked the best providers in Daly City:
- GEICO: MoneyGeek score 78 out of 100 (approximately $368 per year)
- State Farm: MoneyGeek score 73 out of 100 (approximately $449 per year)
The cheapest insurance may only provide minimal coverage. It will not protect you against liability charges and will not cover damages to your car from collisions.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs around $368 per year
Provides a wide range of common and unique discounts
Excellent satisfaction score
cons
No coverage for new car replacement or better car replacement
Poor claims management rating
COMPANY HIGHLIGHTS
GEICO is the best cheap auto insurance in Daly City, featuring an affordable minimum coverage policy costing $368 annually and a wide range of both unique and standard discounts for customers.
This insurer offers affordable insurance, but you may lower insurance prices by taking advantage of the numerous discounts the company provides. Discounts are available from GEICO for bundling or insuring numerous vehicles, for having airbags and an anti-theft system installed in your vehicle and for safe driving. Additionally, it offers discounts to students who get good grades and drivers who successfully complete a defensive driving course.
It’s important to note that GEICO scored low in terms of coverage options and claims management. Policyholders will not have access to a robust offering of coverages, and they may find the claims filing process to be subpar.
Average Cost of Car Insurance in Daly City
Daly City has a somewhat higher average annual cost of auto insurance in California (around $1,528 vs. $1,387) as of October 2022. It also costs $263 more than the national average each year. These rates apply to full coverage insurance with bodily injury liability limits of $100,000 per person, $300,000 per accident and $100,000 per accident for property damage liability.
Location is only one factor that influences the price of insurance.
About Mark Fitzpatrick
