1. Home
  2. The Best Cheap Car Insurance in San Francisco
Written by:

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.

Compare Car Insurance Rates in San Francisco

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

Insurance Rates

The Best Cheap Car Insurance Companies in San Francisco

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.

Scroll for more

swipe icon
Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in San Francisco for the cheapest car insurance for the average driver.
$1,096
2. Progressive
In 2021, Progressive ranked #2 in San Francisco for the cheapest car insurance for the average driver.
$1,111
3. GEICO
In 2021, GEICO ranked #3 in San Francisco for the cheapest car insurance for the average driver.
$1,163
4. USAA
In 2021, USAA ranked #4 in San Francisco for the cheapest car insurance for the average driver.
$1,301
5. MetLife
In 2021, MetLife ranked #5 in San Francisco for the cheapest car insurance for the average driver.
$1,316
6. State Farm
In 2021, State Farm ranked #6 in San Francisco for the cheapest car insurance for the average driver.
$1,347
7. Allstate
In 2021, Allstate ranked #7 in San Francisco for the cheapest car insurance for the average driver.
$1,519
8. CSAA
In 2021, CSAA ranked #8 in San Francisco for the cheapest car insurance for the average driver.
$1,525
9. Mercury
In 2021, Mercury ranked #9 in San Francisco for the cheapest car insurance for the average driver.
$1,613
10. Hartford
In 2021, Hartford ranked #10 in San Francisco for the cheapest car insurance for the average driver.
$1,648
11. Farmers
In 2021, Farmers ranked #11 in San Francisco for the cheapest car insurance for the average driver.
$1,790
12. Allied
In 2021, Allied ranked #12 in San Francisco for the cheapest car insurance for the average driver.
$1,863
13. Travelers
In 2021, Travelers ranked #13 in San Francisco for the cheapest car insurance for the average driver.
$1,866

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.

Compare Car Insurance Rates in San Francisco

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

Insurance Rates

Cheapest Car Insurance in San Francisco by Coverage Amount

How much car insurance coverage you purchase in San Francisco also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

California Minimum Liability Requirements

ItemDescription
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 by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$480$668
2. GEICO$468$639
3. Esurance$584$697
4. USAA$538$683
5. State Farm$622$833
6. MetLife$663$900
7. CSAA$553$708
8. Mercury$632$866
9. Allstate$860$986
10. Hartford$806$1,017
11. Travelers$738$1,025
12. Farmers$901$1,050
13. Allied$811$1,037
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Progressive$1,012$1,111
2. GEICO$1,067$1,163
3. Esurance$1,052$1,096
4. USAA$1,232$1,301
5. State Farm$1,217$1,347
6. MetLife$1,229$1,316
7. CSAA$1,459$1,525
8. Mercury$1,513$1,613
9. Allstate$1,438$1,519
10. Hartford$1,542$1,648
11. Travelers$1,737$1,866
12. Farmers$1,678$1,790
13. Allied$1,746$1,863
Compare Car Insurance Rates in San Francisco

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

Insurance Rates

Cheapest Car Insurance in San Francisco If You Have Tickets

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.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper 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 CodeState 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
umbrella icon
Most Rainy Days211th/300

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


coffee icon
131Cups of Coffee
display2
30Months of Your Favorite Streaming Service

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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in San Francisco

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

Insurance Rates