Compare the Cheapest Car Insurance Quotes in San Francisco, CA

According to MoneyGeek, the average annual cost of car insurance in San Francisco is $1,488, which is slightly higher than the state and national average costs. Esurance has the lowest rates in the city, at $1,096 per year.

MoneyGeek ranked the cheapest car insurance providers based on driving history and coverage amount to ensure that you find an option that suits your insurance needs. The scores can help you find auto insurance deals with the best quality and cost.

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The Cheapest and Best Car Insurance in San Francisco

The Cheapest Car Insurance Companies in San Francisco

On average, the cheapest companies for a full coverage policy in San Francisco are:

  • Esurance: $1,096 per year
  • Progressive: $1,111 per year

Esurance is the most affordable car insurance provider in San Francisco. It offers an average annual premium of $1,096, which is about $392 less than the average premium in the city. This rate is also about 70.4% lower than the rate of Travelers, which has the most expensive annual premium in San Francisco. Progressive, GEICO, USAA and MetLife join Esurance in the top five providers of cheap car insurance in San Francisco.

The figures quoted above represent average costs for a 40-year-old male driver’s policy with liability insurance, which covers the cost of damages and others, as well as comprehensive and collision insurance to protect you against damages to your own vehicle.

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Average Cost of Car Insurance in San Francisco

San Francisco$1,488
California$1,429
U.S.$1,424

The average car insurance rate in San Francisco is $1,488 per year, which is a bit higher than both the state and national average costs of auto insurance. Drivers living in the city can expect to pay about 4.1% higher than California’s annual average of $1,429. In comparison, San Francisco’s rate is about 4.5% higher than the $1,424 national average annual premium.

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The Best Car Insurance Companies in San Francisco

While looking for affordable and quality car insurance in San Francisco, MoneyGeek’s list of the best companies within the city can help you find the best options.

Based on the Moneygeek scores, the best insurers in the city for most drivers are:

  • AAA MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in San Francisco by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek determined the scores based on various ratings, including J.D. Power’s affordability, customer satisfaction and financial stability scores.


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 San Francisco

Car insurance companies in San Francisco consider several factors when coming up with specific quotes for an individual. These factors include the driver's age, gender, car make and model, ZIP code and driving history.

For instance, in San Francisco, senior citizens can get better deals on auto insurance than teens, who generally tend to pay the highest rates due to their inexperience behind the wheel and their higher likelihood to take more risks while they're driving compared to seniors.

A State Farm policy for 70-year-old males costs an average of $1,078 per year. In comparison, on average, State Farm will give a 40-year-old male an annual premium of $1,347. Meanwhile, the price for an 18-year-old male's average policy is $2,558. Regularly getting a personalized quote can help you ensure you're getting the best deal on car insurance available to you.

Shopping around for car insurance in San Francisco could save you $392, which is enough to buy:


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131Cups of Coffee
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30Months of Your Favorite Streaming Service

Cheapest Car Insurance in San Francisco by Coverage Amount

The cost of car insurance in San Francisco and the rest of the cities within the state largely depends on the amount of coverage you purchase.

A liability-only policy from Progressive, which is the cheapest provider, costs an average of $480 per year, while a 100/300/100 full coverage policy from the same company costs about $1,111 per year. That’s a difference of $631 per year.

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.

In San Francisco, minimum liability coverage is $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per vehicle and $5,000 for property damage liability. A Progressive policy for the state minimum liability costs an average of $480.

Meanwhile, drivers can also choose between 50/100/50 liability-only and full coverage. The difference is that you can claim up to $50,000 for bodily injuries per person and $100,000 per vehicle, as well as $50,000 for property damage repairs. If there is only a small cost difference between these options, then it may be better to get the full coverage. MetLife offers the lowest average annual difference between the two at just an average of $329.

If you want more comprehensive protection for all injuries and vehicle damages, you can get a 100/300/100 full-coverage policy. Esurance has the cheapest average for this option at an average of $1,096.

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

Liability Only
Full Coverage
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Cheapest Car Insurance in San Francisco if You Have Driving Violations

Keeping your driving record clean can also help you find cheap car insurance in San Francisco. Generally, drivers with speeding tickets, at-fault accidents and DUIs on their records face more expensive rates. For example, in San Francisco, Esurance policyholders with no violations pay an average of $1,096 for annual premiums. A person with a speeding ticket has to pay an average of $296 more. Meanwhile, being involved in an accident will increase the rate to an average of $1,721, and drivers with DUIs will have to pay an average of $2,734, which is about $1,638 more than the average rate for a person with a clean record.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,392
    $1,721
    $2,734
  • 2.
    GEICO
    $1,715
    $1,951
    $2,715
  • 3.
    Progressive
    $2,122
    $2,309
    $2,652
  • 4.
    USAA
    $1,423
    $2,281
    $3,697
  • 5.
    Mercury
    $2,122
    $2,812
    $2,654
  • 6.
    State Farm
    $1,979
    $2,062
    $4,133
  • 7.
    Farmers
    $2,463
    $3,078
    $3,078
  • 8.
    CSAA
    $1,920
    $1,920
    $5,458
  • 9.
    Allstate
    $2,165
    $2,735
    $4,845
  • 10.
    Travelers
    $2,813
    $3,118
    $3,913
  • 11.
    Allied
    $2,613
    $3,005
    $4,522
  • 12.
    MetLife
    $1,704
    $2,216
    $8,240
  • 13.
    Hartford
    $2,566
    $3,567
    $6,066

Average Cost of Car Insurance by Postal Code

The average car insurance rates in San Francisco also differ depending on the ZIP code. This difference is because crime, accidents and the number of drivers vary by region. The difference between the cheapest and most expensive rates in the city is an average of $100. The most affordable region for car insurance, 94122, has an average annual premium of $1,448. Meanwhile, the most expensive ZIP code for auto coverage averages to $1,548, in 94112.

  • Zip Code
    State Minimumper year
  • 94122
    $1,448
  • 94110
    $1,450
  • 94109
    $1,470
  • 94121
    $1,523
  • 94112
    $1,548
iconribbontop ratedCar Insurance agentsSan Francisco2021

Top Agents Offering Affordable Car Insurance in San Francisco

1. Traci Hollander - State Farm Insurance Agent556 Castro St, San Francisco, CA, 94114
256 ratings
2. Farmers Insurance - Eric Gee390 2nd Ave, San Francisco, CA, 94118
108 ratings
3. Tiffany Won - State Farm Insurance Agent1250 Missouri St, Unit 305, San Francisco, CA, 94107
89 ratings
4. Milber Insurance Agency1492 11th Ave, San Francisco, CA, 94122
87 ratings
5. Broad Spectrum Insurance Services1000 Brannan St, Ste 203, San Francisco, CA, 94103
75 ratings

Factors That Impact Insurance Costs in San Francisco

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 San Francisco. How San Francisco 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 Fatalities266th/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
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Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for San Francisco 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


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.