Compare the Cheapest Car Insurance Quotes in Daly City

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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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. Comparing quotes from different car insurance companies will help you find the best car insurance company for you.

MoneyGeek used prices based on a full coverage policy for a 40-year-old male driver with liability insurance and comprehensive and collision insurance.

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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.

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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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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.

Shopping around for car insurance in Daly City could save you $329, which is enough to buy:


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110Cups of Coffee
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25Months of Your Favorite Streaming Service

Cheapest Car Insurance in Daly City by Coverage Amount

When buying car insurance in Daly City and other states, you will find that the amount of coverage you purchase will determine the cost. For a liability-only policy that meets the state minimums, you will pay an average of $641 per year. A full coverage policy costs up to $800 more at an average of $1,441 yearly.

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.

For most drivers, the cheapest state minimum liability-only policy in Daly City is GEICO at an average of $457 yearly. A liability-only policy with 50/100/50 limits costs about $167 more. These limits mean $50,000 for medical expenses per person, up to $100,000 total per accident and $50,000 for property damage.

Drivers who want a full coverage policy with a 50/100/50 coverage from the same insurer will pay $1,060 yearly. Increasing limits to 100/300/100 costs roughly $61 more. To find cheap insurance for different coverage amounts, you can compare car insurance rates online.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Daly City if You Have Driving Violations

In Daly City, Esurance, the cheapest option, charges drivers with at-fault accidents $1,748 per year on average. This is $636 more than what drivers with clean driving records pay. For drivers with a DUI, the cost of car insurance in Daly City is about $2,775, which is higher by roughly $1,663 compared to the rate for drivers without violations. Additionally, drivers with a speeding ticket on their record pay roughly $299 more than drivers with a clean driving record.

Speeding tickets, DUIs and other traffic violations can lead to significantly higher car insurance premiums, so it is recommended that you keep your driving record clean.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,411
    $1,748
    $2,775
  • 2.
    GEICO
    $1,704
    $1,934
    $2,700
  • 3.
    USAA
    $1,247
    $1,989
    $3,225
  • 4.
    Progressive
    $2,160
    $2,347
    $2,685
  • 5.
    State Farm
    $1,816
    $1,893
    $3,785
  • 6.
    Mercury
    $2,132
    $2,821
    $2,664
  • 7.
    Farmers
    $2,302
    $2,877
    $2,877
  • 8.
    CSAA
    $1,729
    $1,729
    $4,912
  • 9.
    Allstate
    $2,063
    $2,608
    $4,606
  • 10.
    Travelers
    $2,692
    $2,979
    $3,742
  • 11.
    Allied
    $2,635
    $3,030
    $4,560
  • 12.
    Hartford
    $2,387
    $3,325
    $5,606
  • 13.
    MetLife
    $1,725
    $2,244
    $8,352

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
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Most Annual Rainfall194th/300
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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.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.