Cheapest Car Insurance Companies in San Francisco, CA (2024 Rates)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byKathryn Schroeder
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Updated: May 20, 2024

Advertising & Editorial Disclosure

The lowest-priced auto insurance depends on your needs and driving history.

GEICO has the cheapest rate in San Francisco for minimum or full coverage, young adults, teens, with a sports car, a speeding ticket or at-fault accident. State Farm is the most affordable option for seniors, USAA for the military community and National General with a DUI.

MoneyGeek also found the best auto insurance companies in San Francisco for balancing affordable coverage and service quality.

MoneyGeek Logo IconCheapestCar InsuranceSan Francisco
2024

Why Trust MoneyGeek? Our research is based on data and information from reliable sources: Quadrant Information Services and the <a href="https://www.insurance.ca.gov/' target="_blank">California Department of Insurance. We compared quotes from multiple insurers in San Francisco to estimate rates.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in San Francisco

On average, the most affordable auto insurance providers in San Francisco, if you need a minimum coverage policy, are:

  • GEICO: $364 per year
  • Progressive: $470 per year

Out of the providers MoneyGeek reviewed quotes for in San Francisco, a minimum coverage policy is the most expensive with National General, with an average yearly cost of $951.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$364Monthly Premium$30
ProgressiveAnnual Premium$470Monthly Premium$39
State FarmAnnual Premium$474Monthly Premium$39
CSAAAnnual Premium$491Monthly Premium$41
MercuryAnnual Premium$527Monthly Premium$44
KemperAnnual Premium$591Monthly Premium$49
NationwideAnnual Premium$601Monthly Premium$50
FarmersAnnual Premium$608Monthly Premium$51
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California requires that car insurance policies include liability coverage for bodily injury and property damage and that each policy features the following minimum limits:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

After getting involved in an at-fault accident, you may need to cover any extra costs if damages exceed the above limits. For instance, if found at fault in an accident and the property damage cost is $20,000, your insurer will only cover $5,000, and you will have to pay the remaining balance of $15,000.

Cheapest Full Coverage Car Insurance in San Francisco

The following insurers offer the average lowest auto insurance premium for a full coverage policy in San Francisco:

  • GEICO: $973 per year
  • Progressive: $1,096 per year

The most expensive insurance company for full coverage in San Francisco is Chubb, with an average cost of $1,910 a year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$973Monthly Premium$81
ProgressiveAnnual Premium$1,096Monthly Premium$91
State FarmAnnual Premium$1,185Monthly Premium$99
MercuryAnnual Premium$1,340Monthly Premium$112
AllstateAnnual Premium$1,394Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,408Monthly Premium$117
CSAAAnnual Premium$1,509Monthly Premium$126
NationwideAnnual Premium$1,523Monthly Premium$127

Although a full coverage car insurance policy costs more than minimum coverage, it includes liability, comprehensive and collision coverage, which heightens your financial protection.

  • Collision insurance: If your car needs to get repaired or replaced after an at-fault accident that involves a collision with other cars or objects, including guardrails and trees, collision insurance covers the cost, excluding the deductible. It also covers rollover accidents.
  • Comprehensive insurance: It pays to replace or repair your vehicle after damage from non-collision events. These may include weather events, theft, fire and hitting an animal.

A full coverage policy may be the best for most drivers. However, the added cost may not be ideal if you have an older car that has a very low value.

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Cheapest Car Insurance in San Francisco After a Driving Offense

If you have a moving violation, you can find the most affordable full coverage auto insurance in San Francisco, on average, from the following insurers:

  • Speeding ticket: GEICO ($1,456 per year)
  • At-fault accident: GEICO ($1,625 per year)
  • DUI: National General ($1,830 per year)

The highest average full coverage car insurance in San Francisco for drivers with a speeding ticket ($2,638 per year) is with Nationwide; with an at-fault accident ($3,083 per year), it is with Chubb; and with a DUI, it is Hartford ($5,596 per year).

A driving violation can significantly increase your auto insurance premium. Despite selecting the cheapest provider, you are likely to pay more than someone with a clean record for the same coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
GEICOAnnual Premium$1,456Monthly Premium$121
Capital Insurance GroupAnnual Premium$1,615Monthly Premium$135
State FarmAnnual Premium$1,756Monthly Premium$146
MercuryAnnual Premium$1,769Monthly Premium$147
National GeneralAnnual Premium$1,830Monthly Premium$153
CSAAAnnual Premium$1,911Monthly Premium$159
AllstateAnnual Premium$2,040Monthly Premium$170
ProgressiveAnnual Premium$2,064Monthly Premium$172

Any moving violation may make your car insurance go up, but a severe traffic violation may result in an outstanding increase. In San Francisco, the average yearly cost for full coverage with a clean record is $1,486. The policy cost goes up by around $603 a year after a speeding ticket and roughly $2,068 a year after a DUI.

Even so, you can still get cheap auto insurance with a bad driving record.

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MONEYGEEK EXPERT TIP

While there are many optional coverages available in California on an auto policy, accident forgiveness is not one of them. Accident forgiveness stops your premium from going up after your first at-fault accident if you are a driver with a clean motor vehicle record. Since California law does not allow auto insurers to offer it, if you are involved in an at-fault accident, you should expect a rate increase.

Also, you can't try to lower your auto insurance in California, with or without a moving violation, by going with a telematics-based auto policy that tracks when you drive, how you drive (such as speed and hard braking) and other behavior-related factors because the state does not allow it. But, if you are an overall low-mileage driver, that can help you save money on your auto insurance in California. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in San Francisco for Teens and Their Families

The average cheapest full coverage auto insurance in San Francisco for a teen driver on a family policy comes from:

  • GEICO: $2,734 per year for female teens; $2,857 per year for male teens
  • State Farm: $2,881 per year for male and female teens

The most expensive insurer if you have a teen driver on a full coverage family policy in San Francisco is Nationwide. The company charges approximately $5,989 per year, regardless of gender.

In most states, insurers can consider gender when calculating auto insurance costs, and many think male teen drivers are riskier to insure, so they charge them more than females. In California, considering gender is not allowed, so male and female teens pay the same for car insurance when all other rating factors are similar.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,734Individual Plan Monthly Premium$5,171
State FarmFamily Plan Annual Premium$2,881Individual Plan Monthly Premium$5,186
Capital Insurance GroupFamily Plan Annual Premium$3,427Individual Plan Monthly Premium$4,086
FarmersFamily Plan Annual Premium$3,587Individual Plan Monthly Premium$6,387
AllstateFamily Plan Annual Premium$3,698Individual Plan Monthly Premium$7,581
ProgressiveFamily Plan Annual Premium$3,810Individual Plan Monthly Premium$7,004
TravelersFamily Plan Annual Premium$4,855Individual Plan Monthly Premium$6,417
NationwideFamily Plan Annual Premium$5,989Individual Plan Monthly Premium$13,752

Car insurance for teen drivers is expensive, and to pay the least, parents should add their teen to the family policy over them buying a policy. Plus, it is usually illegal for a teen under 18 to get auto insurance without a parent or guardian as a co-signer.

For example, a full coverage family policy in San Francisco costs around $3,825 yearly with a teen on it, whereas an individual policy would cost roughly $4,498. That’s a difference of around $673 a year.

There are discounts available to teen drivers that can further lower the policy costs. Additionally, get cheap car insurance for teens by shopping around.

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MONEYGEEK EXPERT TIP

California is a unique state for auto insurance because it prohibits some very common rating factors. If you live in San Francisco or any other area of the state, your gender, credit history, employment status and occupation, education and more are off limits when auto insurance companies calculate the premium for your policy. In California, you should expect your motor vehicle record, years of driving experience, type of vehicle and miles driven per year to greatly influence how much you pay. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in San Francisco for Military Drivers

The average cheapest full coverage car insurance, if you have a military background in San Francisco, comes from the following companies:

  • USAA: $886 per year
  • GEICO: $973 per year

San Francisco active-duty military members or veterans interested in a minimum coverage policy may find GEICO as the cheapest option, costing approximately $364 per year. USAA is the second cheapest, with an average yearly cost of $376.

The difference in the cheapest insurer for minimum and full coverage indicates how factors like the coverage amount can influence rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$886Monthly Premium$74
GEICOAnnual Premium$973Monthly Premium$81
ProgressiveAnnual Premium$1,096Monthly Premium$91
State FarmAnnual Premium$1,185Monthly Premium$99
MercuryAnnual Premium$1,340Monthly Premium$112
AllstateAnnual Premium$1,394Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,408Monthly Premium$117
CSAAAnnual Premium$1,509Monthly Premium$126

How to Compare Cheap San Francisco Car Insurance Quotes Online

You can get auto insurance quotes in San Francisco online through most providers' websites, but the process may take as much as 15 minutes or more for each insurer. That means you could spend hours providing the necessary personal information on each website as you try to compare rates from multiple companies.

Fortunately, MoneyGeek offers an easy-to-use and quick auto insurance calculator that allows you to estimate your premium from multiple companies based on essential factors, such as your age, car model, driving record and coverage amount.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 22, 2024

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Cheapest Car Insurance in San Francisco for Young Adults

On average, the following companies offer the cheapest auto insurance in San Francisco for full coverage if you are in your 20s:

  • GEICO: $1,121 per year
  • Progressive: $1,316 per year

The insurance provider with the most pricey full coverage for young adults in San Francisco is Chubb, costing about $2,814 per year.

Car insurance for young adults often costs more than for middle-aged drivers, as insurers may see young drivers as higher risk. For example, in San Francisco, it costs approximately $365 more a year for full coverage if you are 25 years old than if you are 40.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,121Monthly Premium$93
ProgressiveAnnual Premium$1,316Monthly Premium$110
State FarmAnnual Premium$1,388Monthly Premium$116
AllstateAnnual Premium$1,548Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,585Monthly Premium$132
CSAAAnnual Premium$1,671Monthly Premium$139
MercuryAnnual Premium$1,737Monthly Premium$145
HartfordAnnual Premium$1,990Monthly Premium$166

Cheapest Car Insurance in San Francisco for Seniors

The following companies offer the average cheapest full coverage car insurance for seniors in San Francisco:

  • State Farm: $927 per year
  • GEICO: $940 per year

At an average yearly rate of $1,970, Chubb is the most expensive for full coverage auto insurance in San Francisco for seniors around 60 years of age.

Auto insurance rates differ for senior drivers from middle-aged drivers. In San Francisco, the rate is lower at 65 by about $40 than the average yearly cost of $1,486 for a 40-year-old driver, which isn't common. However, rates tend to increase after 70 and 80.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$927Monthly Premium$77
GEICOAnnual Premium$940Monthly Premium$78
ProgressiveAnnual Premium$1,089Monthly Premium$91
MercuryAnnual Premium$1,309Monthly Premium$109
AllstateAnnual Premium$1,324Monthly Premium$110
Capital Insurance GroupAnnual Premium$1,326Monthly Premium$111
HartfordAnnual Premium$1,345Monthly Premium$112
NationwideAnnual Premium$1,395Monthly Premium$116

Cheapest Car Insurance in San Francisco for Poor Credit

California is one of the few states that does not allow insurers to consider credit history when calculating auto insurance rates. If you have poor credit, good credit or excellent credit, it will not affect how much you pay for car insurance in San Francisco.

In states where insurers are allowed to consider credit score or a credit-based insurance score when calculating a car insurance premium, they may consider those with poor credit as more likely to file claims and charge them more. However, since California does not allow credit history as a factor when determining auto insurance costs, San Franciscans don’t have to worry about paying more because of their credit standing.

You may still lower your auto insurance premium by comparing quotes from different insurers and taking advantage of discounts like bundling, airbags and paying in full.

Cheapest Car Insurance in San Francisco for Sports Cars

On average, the most affordable insurers in San Francisco, if you have a sports car and need full coverage, are:

  • GEICO: $1,226 per year
  • Progressive: $1,320 per year

From the insurers we profiled for sports car drivers, Chubb had the highest average yearly cost of $2,300 for full coverage in San Francisco.

Generally, insurers charge you a higher rate if you drive a sports car than those with a standard car because sports cars feature higher replacement and repair costs. In San Francisco, a Ford Mustang sports car is around $180 more a year than a standard Toyota Camry — a roughly 12% increase.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,226Monthly Premium$102
ProgressiveAnnual Premium$1,320Monthly Premium$110
State FarmAnnual Premium$1,423Monthly Premium$119
Capital Insurance GroupAnnual Premium$1,571Monthly Premium$131
TravelersAnnual Premium$1,621Monthly Premium$135
FarmersAnnual Premium$1,776Monthly Premium$148
AllstateAnnual Premium$1,777Monthly Premium$148

To establish the most affordable companies for drivers with a sports car in San Francisco, we compared quotes using a Ford Mustang, although costs vary depending on a car’s make and model.

Generally, you will pay a higher premium with a luxury, electric or sports car than with other car types. However, insurance companies consider several other factors when determining your actual rate.

Average Cost of Car Insurance in San Francisco

The average yearly cost of car insurance in San Francisco is $1,486. That price is for a full coverage policy with bodily injury liability limits of $100,000 per person, $300,000 per accident, and $100,000 as the property damage liability limit per accident.

How much an insurer charges for auto insurance varies based on several factors, including the driver's record and location. San Francisco costs about $99 more than California's average yearly cost of auto insurance. The city's average also exceeds the national average of $1,265 by around $221.

Compared to other major California cities, San Francisco is cheaper or more expensive for full coverage. Los Angeles drivers pay around $1,877 yearly, but in San Diego, the annual cost is roughly $1,202.

Santa MariaFull Coverage Average Annual Premium$1,106Minimum Coverage Average Annual Premium$462
VisaliaFull Coverage Average Annual Premium$1,179Minimum Coverage Average Annual Premium$500
Chula VistaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$501
VenturaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$539
SalinasFull Coverage Average Annual Premium$1,199Minimum Coverage Average Annual Premium$496
San DiegoFull Coverage Average Annual Premium$1,202Minimum Coverage Average Annual Premium$521
VistaFull Coverage Average Annual Premium$1,205Minimum Coverage Average Annual Premium$533
CarlsbadFull Coverage Average Annual Premium$1,225Minimum Coverage Average Annual Premium$542
EscondidoFull Coverage Average Annual Premium$1,232Minimum Coverage Average Annual Premium$533
BakersfieldFull Coverage Average Annual Premium$1,234Minimum Coverage Average Annual Premium$527
ClovisFull Coverage Average Annual Premium$1,239Minimum Coverage Average Annual Premium$549
FairfieldFull Coverage Average Annual Premium$1,241Minimum Coverage Average Annual Premium$520
OceansideFull Coverage Average Annual Premium$1,246Minimum Coverage Average Annual Premium$550
San MateoFull Coverage Average Annual Premium$1,249Minimum Coverage Average Annual Premium$537
MurrietaFull Coverage Average Annual Premium$1,250Minimum Coverage Average Annual Premium$554
OxnardFull Coverage Average Annual Premium$1,260Minimum Coverage Average Annual Premium$549
TemeculaFull Coverage Average Annual Premium$1,270Minimum Coverage Average Annual Premium$552
SunnyvaleFull Coverage Average Annual Premium$1,279Minimum Coverage Average Annual Premium$551
FresnoFull Coverage Average Annual Premium$1,281Minimum Coverage Average Annual Premium$549
El CajonFull Coverage Average Annual Premium$1,285Minimum Coverage Average Annual Premium$560
Santa ClaraFull Coverage Average Annual Premium$1,289Minimum Coverage Average Annual Premium$559
San JoseFull Coverage Average Annual Premium$1,290Minimum Coverage Average Annual Premium$551
FremontFull Coverage Average Annual Premium$1,296Minimum Coverage Average Annual Premium$540
RosevilleFull Coverage Average Annual Premium$1,309Minimum Coverage Average Annual Premium$587
OrangeFull Coverage Average Annual Premium$1,310Minimum Coverage Average Annual Premium$587
ConcordFull Coverage Average Annual Premium$1,315Minimum Coverage Average Annual Premium$558
Jurupa ValleyFull Coverage Average Annual Premium$1,324Minimum Coverage Average Annual Premium$573
Santa RosaFull Coverage Average Annual Premium$1,326Minimum Coverage Average Annual Premium$543
Rancho CucamongaFull Coverage Average Annual Premium$1,330Minimum Coverage Average Annual Premium$568
SacramentoFull Coverage Average Annual Premium$1,331Minimum Coverage Average Annual Premium$576
BerkeleyFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$551
Costa MesaFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$621
Huntington BeachFull Coverage Average Annual Premium$1,349Minimum Coverage Average Annual Premium$617
TorranceFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$608
RiversideFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$583
CoronaFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$589
Simi ValleyFull Coverage Average Annual Premium$1,352Minimum Coverage Average Annual Premium$621
Moreno ValleyFull Coverage Average Annual Premium$1,357Minimum Coverage Average Annual Premium$578
San BernardinoFull Coverage Average Annual Premium$1,369Minimum Coverage Average Annual Premium$583
Elk GroveFull Coverage Average Annual Premium$1,370Minimum Coverage Average Annual Premium$598
OntarioFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$594
HaywardFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$559
VallejoFull Coverage Average Annual Premium$1,378Minimum Coverage Average Annual Premium$556
FontanaFull Coverage Average Annual Premium$1,384Minimum Coverage Average Annual Premium$589
RialtoFull Coverage Average Annual Premium$1,391Minimum Coverage Average Annual Premium$585
Santa AnaFull Coverage Average Annual Premium$1,399Minimum Coverage Average Annual Premium$622
RichmondFull Coverage Average Annual Premium$1,400Minimum Coverage Average Annual Premium$583
ModestoFull Coverage Average Annual Premium$1,401Minimum Coverage Average Annual Premium$608
VictorvilleFull Coverage Average Annual Premium$1,402Minimum Coverage Average Annual Premium$594
AntiochFull Coverage Average Annual Premium$1,403Minimum Coverage Average Annual Premium$570
StocktonFull Coverage Average Annual Premium$1,407Minimum Coverage Average Annual Premium$590
Thousand OaksFull Coverage Average Annual Premium$1,408Minimum Coverage Average Annual Premium$638
IrvineFull Coverage Average Annual Premium$1,411Minimum Coverage Average Annual Premium$633
Arden-ArcadeFull Coverage Average Annual Premium$1,430Minimum Coverage Average Annual Premium$647
PomonaFull Coverage Average Annual Premium$1,432Minimum Coverage Average Annual Premium$618
Santa ClaritaFull Coverage Average Annual Premium$1,444Minimum Coverage Average Annual Premium$654
AnaheimFull Coverage Average Annual Premium$1,448Minimum Coverage Average Annual Premium$648
NorwalkFull Coverage Average Annual Premium$1,460Minimum Coverage Average Annual Premium$633
LancasterFull Coverage Average Annual Premium$1,462Minimum Coverage Average Annual Premium$659
OaklandFull Coverage Average Annual Premium$1,469Minimum Coverage Average Annual Premium$598
West CovinaFull Coverage Average Annual Premium$1,478Minimum Coverage Average Annual Premium$656
FullertonFull Coverage Average Annual Premium$1,480Minimum Coverage Average Annual Premium$657
San FranciscoFull Coverage Average Annual Premium$1,486Minimum Coverage Average Annual Premium$613
Garden GroveFull Coverage Average Annual Premium$1,488Minimum Coverage Average Annual Premium$682
Long BeachFull Coverage Average Annual Premium$1,497Minimum Coverage Average Annual Premium$649
PalmdaleFull Coverage Average Annual Premium$1,507Minimum Coverage Average Annual Premium$667
Daly CityFull Coverage Average Annual Premium$1,528Minimum Coverage Average Annual Premium$621
DowneyFull Coverage Average Annual Premium$1,531Minimum Coverage Average Annual Premium$657
East Los AngelesFull Coverage Average Annual Premium$1,562Minimum Coverage Average Annual Premium$677
El MonteFull Coverage Average Annual Premium$1,586Minimum Coverage Average Annual Premium$693
PasadenaFull Coverage Average Annual Premium$1,598Minimum Coverage Average Annual Premium$704
BurbankFull Coverage Average Annual Premium$1,733Minimum Coverage Average Annual Premium$782
InglewoodFull Coverage Average Annual Premium$1,740Minimum Coverage Average Annual Premium$774
Los AngelesFull Coverage Average Annual Premium$1,877Minimum Coverage Average Annual Premium$820
GlendaleFull Coverage Average Annual Premium$2,115Minimum Coverage Average Annual Premium$913

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.