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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceDaly City
2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$340

$28

GEICO

$364

$30

GEICO

$368

$31

GEICO

$434

$36

State Farm

$449

$37

CSAA

$462

$39

CSAA

$471

$39

Progressive

$503

$42

CSAA

$506

$42

Progressive

$508

$42

State Farm

$513

$43

Mercury

$551

$46

Mercury

$567

$47

Hartford

$593

$49

Travelers

$595

$50

Travelers

$595

$50

Progressive

$597

$50

Nationwide

$598

$50

Nationwide

$622

$52

Capital Insurance Group

$628

$52

Farmers

$638

$53

State National

$643

$54

Kemper

$650

$54

Capital Insurance Group

$650

$54

Farmers

$657

$55

State National

$662

$55

Hartford

$678

$57

Travelers

$681

$57

Mercury

$696

$58

Allstate

$716

$60

Allstate

$721

$60

Capital Insurance Group

$728

$61

Farmers

$746

$62

Kemper

$751

$63

Allstate

$778

$65

State National

$786

$65

Nationwide

$789

$66

Chubb

$792

$66

Chubb

$818

$68

Hartford

$876

$73

State Farm

$931

$78

National General

$976

$81

Kemper

$989

$82

GEICO

$1,003

$84

National General

$1,006

$84

GEICO

$1,039

$87

Progressive

$1,126

$94

Progressive

$1,131

$94

Chubb

$1,138

$95

State Farm

$1,188

$99

GEICO

$1,196

$100

National General

$1,210

$101

Allstate

$1,310

$109

Hartford

$1,320

$110

Capital Insurance Group

$1,332

$111

Progressive

$1,359

$113

Allstate

$1,377

$115

State Farm

$1,393

$116

CSAA

$1,409

$117

Capital Insurance Group

$1,415

$118

CSAA

$1,420

$118

Mercury

$1,452

$121

Mercury

$1,488

$124

Nationwide

$1,506

$126

Hartford

$1,515

$126

Allstate

$1,532

$128

State National

$1,548

$129

CSAA

$1,576

$131

Capital Insurance Group

$1,592

$133

Travelers

$1,613

$134

Nationwide

$1,649

$137

State National

$1,674

$140

Travelers

$1,694

$141

National General

$1,762

$147

Kemper

$1,771

$148

Farmers

$1,778

$148

National General

$1,786

$149

Farmers

$1,826

$152

Mercury

$1,941

$162

Hartford

$1,957

$163

Chubb

$1,973

$164

Travelers

$2,021

$168

Chubb

$2,035

$170

State National

$2,075

$173

National General

$2,140

$178

Farmers

$2,168

$181

Nationwide

$2,175

$181

Kemper

$2,192

$183

Kemper

$2,633

$219

Chubb

$2,908

$242

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.

Company
Annual Premium
Monthly Premium

State Farm

$340

$28

GEICO

$364

$30

GEICO

$368

$31

GEICO

$434

$36

State Farm

$449

$37

CSAA

$462

$39

CSAA

$471

$39

Progressive

$503

$42

CSAA

$506

$42

Progressive

$508

$42

State Farm

$513

$43

Mercury

$551

$46

Mercury

$567

$47

Hartford

$593

$49

Travelers

$595

$50

Travelers

$595

$50

Progressive

$597

$50

Nationwide

$598

$50

Nationwide

$622

$52

Capital Insurance Group

$628

$52

Farmers

$638

$53

State National

$643

$54

Kemper

$650

$54

Capital Insurance Group

$650

$54

Farmers

$657

$55

State National

$662

$55

Hartford

$678

$57

Travelers

$681

$57

Mercury

$696

$58

Allstate

$716

$60

Allstate

$721

$60

Capital Insurance Group

$728

$61

Farmers

$746

$62

Kemper

$751

$63

Allstate

$778

$65

State National

$786

$65

Nationwide

$789

$66

Chubb

$792

$66

Chubb

$818

$68

Hartford

$876

$73

State Farm

$931

$78

National General

$976

$81

Kemper

$989

$82

GEICO

$1,003

$84

National General

$1,006

$84

GEICO

$1,039

$87

Progressive

$1,126

$94

Progressive

$1,131

$94

Chubb

$1,138

$95

State Farm

$1,188

$99

GEICO

$1,196

$100

National General

$1,210

$101

Allstate

$1,310

$109

Hartford

$1,320

$110

Capital Insurance Group

$1,332

$111

Progressive

$1,359

$113

Allstate

$1,377

$115

State Farm

$1,393

$116

CSAA

$1,409

$117

Capital Insurance Group

$1,415

$118

CSAA

$1,420

$118

Mercury

$1,452

$121

Mercury

$1,488

$124

Nationwide

$1,506

$126

Hartford

$1,515

$126

Allstate

$1,532

$128

State National

$1,548

$129

CSAA

$1,576

$131

Capital Insurance Group

$1,592

$133

Travelers

$1,613

$134

Nationwide

$1,649

$137

State National

$1,674

$140

Travelers

$1,694

$141

National General

$1,762

$147

Kemper

$1,771

$148

Farmers

$1,778

$148

National General

$1,786

$149

Farmers

$1,826

$152

Mercury

$1,941

$162

Hartford

$1,957

$163

Chubb

$1,973

$164

Travelers

$2,021

$168

Chubb

$2,035

$170

State National

$2,075

$173

National General

$2,140

$178

Farmers

$2,168

$181

Nationwide

$2,175

$181

Kemper

$2,192

$183

Kemper

$2,633

$219

Chubb

$2,908

$242

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$516

$43

State Farm

$540

$45

GEICO

$555

$46

GEICO

$561

$47

CSAA

$574

$48

CSAA

$574

$48

CSAA

$585

$49

CSAA

$585

$49

CSAA

$629

$52

CSAA

$629

$52

GEICO

$653

$54

GEICO

$660

$55

GEICO

$661

$55

State Farm

$683

$57

Capital Insurance Group

$693

$58

Mercury

$712

$59

State Farm

$713

$59

Capital Insurance Group

$720

$60

Capital Insurance Group

$730

$61

Mercury

$731

$61

Capital Insurance Group

$757

$63

GEICO

$778

$65

State Farm

$779

$65

Capital Insurance Group

$808

$67

State Farm

$814

$68

Capital Insurance Group

$849

$71

Hartford

$853

$71

Hartford

$853

$71

Kemper

$867

$72

Farmers

$870

$72

Farmers

$870

$72

GEICO

$878

$73

GEICO

$888

$74

Mercury

$891

$74

Farmers

$894

$75

Farmers

$894

$75

Mercury

$900

$75

Progressive

$903

$75

State National

$912

$76

Progressive

$912

$76

State National

$912

$76

Mercury

$915

$76

Travelers

$918

$77

Travelers

$920

$77

Nationwide

$924

$77

State National

$940

$78

State National

$940

$78

Nationwide

$962

$80

Hartford

$988

$82

Hartford

$988

$82

Mercury

$993

$83

Progressive

$994

$83

Kemper

$1,002

$84

Progressive

$1,006

$84

Allstate

$1,006

$84

Allstate

$1,013

$84

Farmers

$1,016

$85

Farmers

$1,016

$85

Mercury

$1,018

$85

Chubb

$1,022

$85

Travelers

$1,023

$85

Travelers

$1,024

$85

Nationwide

$1,029

$86

National General

$1,032

$86

National General

$1,032

$86

GEICO

$1,046

$87

Chubb

$1,046

$87

Travelers

$1,061

$88

State Farm

$1,063

$89

National General

$1,065

$89

National General

$1,065

$89

Nationwide

$1,072

$89

Progressive

$1,078

$90

Progressive

$1,083

$90

Farmers

$1,086

$91

Capital Insurance Group

$1,090

$91

Progressive

$1,095

$91

Allstate

$1,099

$92

Farmers

$1,118

$93

State National

$1,119

$93

State National

$1,119

$93

Mercury

$1,126

$94

Capital Insurance Group

$1,129

$94

Allstate

$1,161

$97

Allstate

$1,170

$98

Travelers

$1,181

$98

Progressive

$1,195

$100

Nationwide

$1,226

$102

Travelers

$1,238

$103

Travelers

$1,240

$103

Chubb

$1,241

$103

Mercury

$1,257

$105

Chubb

$1,266

$105

Farmers

$1,270

$106

Capital Insurance Group

$1,270

$106

Allstate

$1,272

$106

National General

$1,280

$107

National General

$1,280

$107

Progressive

$1,301

$108

Hartford

$1,306

$109

Hartford

$1,306

$109

Kemper

$1,323

$110

Chubb

$1,366

$114

Nationwide

$1,368

$114

State Farm

$1,375

$115

State Farm

$1,406

$117

Travelers

$1,436

$120

State Farm

$1,441

$120

National General

$1,476

$123

Kemper

$1,486

$124

Kemper

$1,486

$124

GEICO

$1,501

$125

National General

$1,523

$127

Capital Insurance Group

$1,525

$127

GEICO

$1,554

$130

Capital Insurance Group

$1,570

$131

Chubb

$1,586

$132

CSAA

$1,590

$133

State Farm

$1,605

$134

Chubb

$1,609

$134

CSAA

$1,623

$135

Capital Insurance Group

$1,624

$135

Chubb

$1,634

$136

Nationwide

$1,637

$136

State National

$1,652

$138

Capital Insurance Group

$1,669

$139

GEICO

$1,672

$139

State National

$1,704

$142

Nationwide

$1,705

$142

GEICO

$1,728

$144

CSAA

$1,749

$146

State Farm

$1,756

$146

CSAA

$1,784

$149

CSAA

$1,784

$149

GEICO

$1,791

$149

CSAA

$1,796

$150

CSAA

$1,796

$150

Kemper

$1,809

$151

Kemper

$1,809

$151

Capital Insurance Group

$1,831

$153

National General

$1,835

$153

State Farm

$1,839

$153

National General

$1,850

$154

National General

$1,850

$154

National General

$1,875

$156

National General

$1,875

$156

Capital Insurance Group

$1,881

$157

Allstate

$1,912

$159

Mercury

$1,920

$160

Chubb

$1,954

$163

Hartford

$1,965

$164

Hartford

$1,965

$164

Mercury

$1,973

$164

CSAA

$1,992

$166

CSAA

$1,992

$166

GEICO

$1,994

$166

Allstate

$2,015

$168

Hartford

$2,036

$170

State National

$2,040

$170

State Farm

$2,059

$172

Allstate

$2,090

$174

Allstate

$2,110

$176

Progressive

$2,118

$177

Progressive

$2,127

$177

State Farm

$2,157

$180

Nationwide

$2,183

$182

State National

$2,201

$183

State National

$2,201

$183

National General

$2,248

$187

National General

$2,248

$187

Allstate

$2,250

$187

Hartford

$2,267

$189

Hartford

$2,267

$189

Kemper

$2,273

$189

Kemper

$2,273

$189

Allstate

$2,299

$192

Progressive

$2,308

$192

Progressive

$2,313

$193

Nationwide

$2,339

$195

Kemper

$2,355

$196

GEICO

$2,378

$198

State National

$2,380

$198

State National

$2,380

$198

Allstate

$2,382

$199

Capital Insurance Group

$2,388

$199

Mercury

$2,399

$200

Hartford

$2,400

$200

Farmers

$2,457

$205

Farmers

$2,457

$205

Travelers

$2,459

$205

GEICO

$2,463

$205

Mercury

$2,463

$205

Allstate

$2,520

$210

Farmers

$2,526

$211

Farmers

$2,526

$211

Capital Insurance Group

$2,540

$212

Mercury

$2,561

$213

Nationwide

$2,565

$214

Progressive

$2,569

$214

Mercury

$2,574

$215

Travelers

$2,574

$215

Chubb

$2,589

$216

Nationwide

$2,609

$217

National General

$2,619

$218

Mercury

$2,620

$218

Progressive

$2,620

$218

Progressive

$2,624

$219

Chubb

$2,652

$221

National General

$2,656

$221

Travelers

$2,736

$228

Progressive

$2,797

$233

Allstate

$2,824

$235

GEICO

$2,840

$237

State Farm

$2,848

$237

Travelers

$2,858

$238

Nationwide

$2,863

$239

Capital Insurance Group

$2,866

$239

Kemper

$2,916

$243

Hartford

$2,953

$246

Hartford

$2,953

$246

State National

$2,954

$246

State National

$2,954

$246

Farmers

$2,999

$250

Farmers

$2,999

$250

Farmers

$3,071

$256

Travelers

$3,097

$258

Farmers

$3,157

$263

Progressive

$3,178

$265

National General

$3,187

$266

Chubb

$3,187

$266

Mercury

$3,219

$268

Chubb

$3,250

$271

Hartford

$3,256

$271

Nationwide

$3,393

$283

Mercury

$3,419

$285

Travelers

$3,434

$286

Travelers

$3,441

$287

Kemper

$3,506

$292

Chubb

$3,526

$294

Travelers

$3,604

$300

State Farm

$3,637

$303

Farmers

$3,748

$312

Nationwide

$3,792

$316

Kemper

$3,907

$326

Kemper

$3,907

$326

State National

$4,115

$343

Chubb

$4,122

$343

Nationwide

$4,160

$347

Chubb

$4,182

$348

Allstate

$4,190

$349

Chubb

$4,244

$354

State Farm

$4,262

$355

Travelers

$4,364

$364

Allstate

$4,429

$369

State National

$4,459

$372

Nationwide

$4,570

$381

Hartford

$4,717

$393

Allstate

$4,962

$414

Kemper

$4,964

$414

Kemper

$4,964

$414

CSAA

$5,041

$420

CSAA

$5,077

$423

Chubb

$5,118

$427

Hartford

$5,493

$458

State National

$5,550

$463

CSAA

$5,641

$470

Kemper

$5,827

$486

Kemper

$5,827

$486

Nationwide

$6,071

$506

Hartford

$7,272

$606

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,316

$2,107

GEICO

$1,347

$2,156

GEICO

$1,350

$2,375

GEICO

$1,365

$2,266

GEICO

$1,380

$2,209

GEICO

$1,387

$2,441

GEICO

$1,407

$2,580

GEICO

$1,425

$2,508

GEICO

$1,563

$2,327

GEICO

$1,614

$2,657

Progressive

$1,716

$2,720

Progressive

$1,716

$2,720

Capital Insurance Group

$1,743

$2,239

Capital Insurance Group

$1,743

$2,239

State Farm

$1,835

$2,686

State Farm

$1,835

$2,686

Progressive

$1,858

$2,945

Progressive

$1,858

$2,945

State Farm

$1,909

$2,794

State Farm

$1,909

$2,794

State Farm

$1,942

$3,032

State Farm

$1,942

$3,032

State Farm

$1,953

$2,859

State Farm

$1,953

$2,859

Capital Insurance Group

$1,984

$2,652

Capital Insurance Group

$1,984

$2,652

Progressive

$1,988

$3,639

Progressive

$1,988

$3,639

Allstate

$1,997

$3,261

Allstate

$1,997

$3,261

GEICO

$2,011

$3,382

Nationwide

$2,052

$4,265

Nationwide

$2,052

$4,265

Capital Insurance Group

$2,064

$2,652

Capital Insurance Group

$2,064

$2,652

Capital Insurance Group

$2,064

$2,652

Capital Insurance Group

$2,064

$2,652

State Farm

$2,081

$3,091

State Farm

$2,081

$3,091

Progressive

$2,082

$3,299

Progressive

$2,082

$3,299

GEICO

$2,090

$3,901

Allstate

$2,090

$3,414

Allstate

$2,090

$3,414

Allstate

$2,144

$3,793

Allstate

$2,144

$3,793

Allstate

$2,165

$3,536

Allstate

$2,165

$3,536

GEICO

$2,200

$3,275

State Farm

$2,209

$3,442

State Farm

$2,209

$3,442

State Farm

$2,229

$3,311

State Farm

$2,229

$3,311

Nationwide

$2,250

$4,676

Nationwide

$2,250

$4,676

Farmers

$2,256

$3,228

Farmers

$2,256

$3,228

Kemper

$2,285

$4,601

Kemper

$2,285

$4,601

GEICO

$2,287

$3,765

Allstate

$2,298

$3,810

Allstate

$2,298

$3,810

Capital Insurance Group

$2,304

$2,983

Capital Insurance Group

$2,304

$2,983

Nationwide

$2,322

$5,349

Nationwide

$2,322

$5,349

Capital Insurance Group

$2,389

$2,983

Capital Insurance Group

$2,389

$2,983

Nationwide

$2,412

$5,012

Nationwide

$2,412

$5,012

Kemper

$2,413

$4,859

Kemper

$2,413

$4,859

Travelers

$2,443

$3,345

Travelers

$2,443

$3,345

State Farm

$2,455

$4,364

State Farm

$2,455

$4,364

Progressive

$2,465

$3,991

Progressive

$2,465

$3,991

Farmers

$2,526

$3,743

Farmers

$2,526

$3,743

Travelers

$2,529

$3,462

Travelers

$2,529

$3,462

Kemper

$2,540

$5,713

Kemper

$2,540

$5,713

Capital Insurance Group

$2,558

$3,312

Capital Insurance Group

$2,558

$3,312

Travelers

$2,580

$3,716

Travelers

$2,580

$3,716

State Farm

$2,602

$4,627

State Farm

$2,602

$4,627

Farmers

$2,616

$3,743

Farmers

$2,616

$3,743

Farmers

$2,616

$3,743

Farmers

$2,616

$3,743

Kemper

$2,624

$5,285

Kemper

$2,624

$5,285

Allstate

$2,635

$4,856

Allstate

$2,635

$4,856

Travelers

$2,635

$3,608

Travelers

$2,635

$3,608

State Farm

$2,658

$5,184

State Farm

$2,658

$5,184

Allstate

$2,678

$4,441

Allstate

$2,678

$4,441

Nationwide

$2,718

$5,863

Nationwide

$2,718

$5,863

GEICO

$2,778

$4,891

Farmers

$2,825

$4,292

Farmers

$2,825

$4,292

Travelers

$2,878

$3,900

Travelers

$2,878

$3,900

GEICO

$2,912

$5,685

Kemper

$2,942

$6,057

Kemper

$2,942

$6,057

GEICO

$2,978

$5,461

Farmers

$3,054

$4,943

Farmers

$3,054

$4,943

GEICO

$3,055

$5,378

Progressive

$3,074

$5,648

Progressive

$3,074

$5,648

Farmers

$3,082

$4,682

Farmers

$3,082

$4,682

Travelers

$3,124

$4,500

Travelers

$3,124

$4,500

GEICO

$3,140

$6,426

Travelers

$3,172

$4,298

Travelers

$3,172

$4,298

Kemper

$3,186

$6,561

Kemper

$3,186

$6,561

Kemper

$3,214

$7,234

Kemper

$3,214

$7,234

Farmers

$3,215

$6,370

Farmers

$3,215

$6,370

GEICO

$3,216

$6,277

Progressive

$3,267

$5,288

Progressive

$3,267

$5,288

Capital Insurance Group

$3,283

$4,099

Capital Insurance Group

$3,283

$4,099

Capital Insurance Group

$3,283

$4,099

Capital Insurance Group

$3,283

$4,099

Capital Insurance Group

$3,283

$4,099

Capital Insurance Group

$3,283

$4,099

Farmers

$3,294

$6,662

Farmers

$3,294

$6,662

Farmers

$3,304

$6,546

Farmers

$3,304

$6,546

Nationwide

$3,349

$8,105

Nationwide

$3,349

$8,105

Allstate

$3,516

$6,983

Allstate

$3,516

$6,983

Progressive

$3,547

$7,181

Progressive

$3,547

$7,181

Progressive

$3,570

$7,244

Progressive

$3,570

$7,244

Nationwide

$3,573

$7,707

Nationwide

$3,573

$7,707

Progressive

$3,584

$7,255

Progressive

$3,584

$7,255

Allstate

$3,641

$7,356

Allstate

$3,641

$7,356

Allstate

$3,704

$7,356

Allstate

$3,704

$7,356

Travelers

$4,175

$5,673

Travelers

$4,175

$5,673

Travelers

$4,362

$5,927

Travelers

$4,362

$5,927

Travelers

$4,371

$6,220

Travelers

$4,371

$6,220

Kemper

$4,848

$9,877

Kemper

$4,848

$9,877

Nationwide

$5,088

$10,958

Nationwide

$5,088

$10,958

Kemper

$5,311

$10,821

Kemper

$5,311

$10,821

Kemper

$5,359

$12,061

Kemper

$5,359

$12,061

Nationwide

$5,721

$12,321

Nationwide

$5,721

$12,321

Nationwide

$5,904

$14,870

Nationwide

$5,904

$14,870

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.

Company
Annual Premium
Monthly Premium

State Farm

$340

$28

GEICO

$364

$30

GEICO

$368

$31

USAA

$422

$35

USAA

$422

$35

GEICO

$434

$36

State Farm

$449

$37

CSAA

$462

$39

CSAA

$471

$39

Progressive

$503

$42

CSAA

$506

$42

Progressive

$508

$42

USAA

$512

$43

State Farm

$513

$43

Mercury

$551

$46

Mercury

$567

$47

Hartford

$593

$49

Travelers

$595

$50

Travelers

$595

$50

Progressive

$597

$50

Nationwide

$598

$50

Nationwide

$622

$52

Capital Insurance Group

$628

$52

Farmers

$638

$53

State National

$643

$54

Kemper

$650

$54

Capital Insurance Group

$650

$54

Farmers

$657

$55

State National

$662

$55

Hartford

$678

$57

Travelers

$681

$57

Mercury

$696

$58

Allstate

$716

$60

Allstate

$721

$60

Capital Insurance Group

$728

$61

Farmers

$746

$62

Kemper

$751

$63

Allstate

$778

$65

State National

$786

$65

Nationwide

$789

$66

Chubb

$792

$66

Chubb

$818

$68

Hartford

$876

$73

State Farm

$931

$78

USAA

$939

$78

USAA

$962

$80

National General

$976

$81

Kemper

$989

$82

GEICO

$1,003

$84

National General

$1,006

$84

GEICO

$1,039

$87

Progressive

$1,126

$94

Progressive

$1,131

$94

Chubb

$1,138

$95

USAA

$1,154

$96

State Farm

$1,188

$99

GEICO

$1,196

$100

National General

$1,210

$101

Allstate

$1,310

$109

Hartford

$1,320

$110

Capital Insurance Group

$1,332

$111

Progressive

$1,359

$113

Allstate

$1,377

$115

State Farm

$1,393

$116

CSAA

$1,409

$117

Capital Insurance Group

$1,415

$118

CSAA

$1,420

$118

Mercury

$1,452

$121

Mercury

$1,488

$124

Nationwide

$1,506

$126

Hartford

$1,515

$126

Allstate

$1,532

$128

State National

$1,548

$129

CSAA

$1,576

$131

Capital Insurance Group

$1,592

$133

Travelers

$1,613

$134

Nationwide

$1,649

$137

State National

$1,674

$140

Travelers

$1,694

$141

National General

$1,762

$147

Kemper

$1,771

$148

Farmers

$1,778

$148

National General

$1,786

$149

Farmers

$1,826

$152

Mercury

$1,941

$162

Hartford

$1,957

$163

Chubb

$1,973

$164

Travelers

$2,021

$168

Chubb

$2,035

$170

State National

$2,075

$173

National General

$2,140

$178

Farmers

$2,168

$181

Nationwide

$2,175

$181

Kemper

$2,192

$183

Kemper

$2,633

$219

Chubb

$2,908

$242

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.

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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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

Chubb

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.