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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
2023

Cheapest Car Insurance in San Francisco, CA

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.

Company
Annual Premium
Monthly Premium

GEICO

$359

$30

State Farm

$359

$30

GEICO

$364

$30

GEICO

$427

$36

Progressive

$470

$39

State Farm

$474

$39

Progressive

$474

$40

CSAA

$491

$41

CSAA

$500

$42

Mercury

$527

$44

CSAA

$539

$45

Mercury

$539

$45

State Farm

$541

$45

Progressive

$557

$46

Nationwide

$578

$48

Kemper

$591

$49

Nationwide

$601

$50

Farmers

$608

$51

Hartford

$621

$52

State National

$622

$52

Travelers

$623

$52

Travelers

$625

$52

Capital Insurance Group

$626

$52

Farmers

$626

$52

State National

$641

$53

Capital Insurance Group

$648

$54

Mercury

$661

$55

Kemper

$682

$57

Hartford

$710

$59

Farmers

$711

$59

Travelers

$714

$60

Allstate

$725

$60

Capital Insurance Group

$726

$61

Allstate

$732

$61

State National

$759

$63

Nationwide

$761

$63

Chubb

$766

$64

Allstate

$789

$66

Chubb

$790

$66

Kemper

$899

$75

Hartford

$913

$76

State Farm

$927

$77

GEICO

$940

$78

National General

$951

$79

GEICO

$973

$81

National General

$980

$82

Progressive

$1,089

$91

Progressive

$1,096

$91

Chubb

$1,097

$91

GEICO

$1,121

$93

National General

$1,180

$98

State Farm

$1,185

$99

Mercury

$1,309

$109

Progressive

$1,316

$110

Allstate

$1,324

$110

Capital Insurance Group

$1,326

$111

Mercury

$1,340

$112

Hartford

$1,345

$112

State Farm

$1,388

$116

Allstate

$1,394

$116

Nationwide

$1,395

$116

Capital Insurance Group

$1,408

$117

CSAA

$1,502

$125

CSAA

$1,509

$126

Nationwide

$1,523

$127

State National

$1,525

$127

Hartford

$1,544

$129

Allstate

$1,548

$129

Kemper

$1,574

$131

Capital Insurance Group

$1,585

$132

Travelers

$1,647

$137

State National

$1,650

$138

CSAA

$1,671

$139

Farmers

$1,676

$140

Farmers

$1,720

$143

Travelers

$1,725

$144

Mercury

$1,737

$145

National General

$1,744

$145

National General

$1,766

$147

Chubb

$1,910

$159

Kemper

$1,941

$162

Chubb

$1,970

$164

Hartford

$1,990

$166

Nationwide

$1,999

$167

Farmers

$2,041

$170

State National

$2,045

$170

Travelers

$2,057

$171

National General

$2,117

$176

Kemper

$2,342

$195

Chubb

$2,814

$234

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

GEICO

$359

$30

State Farm

$359

$30

GEICO

$364

$30

GEICO

$427

$36

Progressive

$470

$39

State Farm

$474

$39

Progressive

$474

$40

CSAA

$491

$41

CSAA

$500

$42

Mercury

$527

$44

CSAA

$539

$45

Mercury

$539

$45

State Farm

$541

$45

Progressive

$557

$46

Nationwide

$578

$48

Kemper

$591

$49

Nationwide

$601

$50

Farmers

$608

$51

Hartford

$621

$52

State National

$622

$52

Travelers

$623

$52

Travelers

$625

$52

Capital Insurance Group

$626

$52

Farmers

$626

$52

State National

$641

$53

Capital Insurance Group

$648

$54

Mercury

$661

$55

Kemper

$682

$57

Hartford

$710

$59

Farmers

$711

$59

Travelers

$714

$60

Allstate

$725

$60

Capital Insurance Group

$726

$61

Allstate

$732

$61

State National

$759

$63

Nationwide

$761

$63

Chubb

$766

$64

Allstate

$789

$66

Chubb

$790

$66

Kemper

$899

$75

Hartford

$913

$76

State Farm

$927

$77

GEICO

$940

$78

National General

$951

$79

GEICO

$973

$81

National General

$980

$82

Progressive

$1,089

$91

Progressive

$1,096

$91

Chubb

$1,097

$91

GEICO

$1,121

$93

National General

$1,180

$98

State Farm

$1,185

$99

Mercury

$1,309

$109

Progressive

$1,316

$110

Allstate

$1,324

$110

Capital Insurance Group

$1,326

$111

Mercury

$1,340

$112

Hartford

$1,345

$112

State Farm

$1,388

$116

Allstate

$1,394

$116

Nationwide

$1,395

$116

Capital Insurance Group

$1,408

$117

CSAA

$1,502

$125

CSAA

$1,509

$126

Nationwide

$1,523

$127

State National

$1,525

$127

Hartford

$1,544

$129

Allstate

$1,548

$129

Kemper

$1,574

$131

Capital Insurance Group

$1,585

$132

Travelers

$1,647

$137

State National

$1,650

$138

CSAA

$1,671

$139

Farmers

$1,676

$140

Farmers

$1,720

$143

Travelers

$1,725

$144

Mercury

$1,737

$145

National General

$1,744

$145

National General

$1,766

$147

Chubb

$1,910

$159

Kemper

$1,941

$162

Chubb

$1,970

$164

Hartford

$1,990

$166

Nationwide

$1,999

$167

Farmers

$2,041

$170

State National

$2,045

$170

Travelers

$2,057

$171

National General

$2,117

$176

Kemper

$2,342

$195

Chubb

$2,814

$234

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.

Company
Annual Premium
Monthly Premium

State Farm

$545

$45

GEICO

$547

$46

GEICO

$553

$46

State Farm

$569

$47

CSAA

$612

$51

CSAA

$612

$51

CSAA

$622

$52

CSAA

$622

$52

GEICO

$644

$54

GEICO

$650

$54

GEICO

$651

$54

CSAA

$673

$56

CSAA

$673

$56

Mercury

$677

$56

Capital Insurance Group

$692

$58

Mercury

$694

$58

Capital Insurance Group

$717

$60

State Farm

$721

$60

Capital Insurance Group

$727

$61

State Farm

$752

$63

Capital Insurance Group

$754

$63

GEICO

$766

$64

Kemper

$787

$66

Capital Insurance Group

$805

$67

State Farm

$822

$69

Farmers

$828

$69

Farmers

$828

$69

Progressive

$840

$70

Capital Insurance Group

$847

$71

Mercury

$848

$71

Progressive

$848

$71

Farmers

$852

$71

Farmers

$852

$71

Mercury

$853

$71

State Farm

$859

$72

GEICO

$864

$72

Mercury

$869

$72

GEICO

$874

$73

State National

$881

$73

State National

$881

$73

Nationwide

$894

$75

Hartford

$895

$75

Hartford

$895

$75

State National

$908

$76

State National

$908

$76

Kemper

$910

$76

Progressive

$924

$77

Nationwide

$930

$78

Progressive

$934

$78

Mercury

$945

$79

Travelers

$966

$81

Travelers

$968

$81

Farmers

$968

$81

Farmers

$968

$81

Mercury

$969

$81

Chubb

$986

$82

Nationwide

$995

$83

Progressive

$1,002

$83

National General

$1,006

$84

National General

$1,006

$84

Progressive

$1,006

$84

Chubb

$1,009

$84

Progressive

$1,016

$85

Allstate

$1,020

$85

Allstate

$1,029

$86

GEICO

$1,030

$86

Farmers

$1,035

$86

Nationwide

$1,036

$86

Hartford

$1,037

$86

Hartford

$1,037

$86

National General

$1,038

$87

National General

$1,038

$87

Farmers

$1,065

$89

Mercury

$1,069

$89

Travelers

$1,077

$90

Travelers

$1,078

$90

State National

$1,080

$90

State National

$1,080

$90

Capital Insurance Group

$1,086

$91

Progressive

$1,109

$92

Allstate

$1,116

$93

Travelers

$1,117

$93

State Farm

$1,122

$93

Capital Insurance Group

$1,126

$94

Allstate

$1,179

$98

Nationwide

$1,183

$99

Mercury

$1,190

$99

Allstate

$1,191

$99

Chubb

$1,197

$100

Kemper

$1,202

$100

Progressive

$1,206

$101

Farmers

$1,209

$101

Chubb

$1,220

$102

Travelers

$1,246

$104

National General

$1,248

$104

National General

$1,248

$104

Capital Insurance Group

$1,265

$105

Allstate

$1,292

$108

Travelers

$1,306

$109

Travelers

$1,306

$109

Chubb

$1,316

$110

Nationwide

$1,319

$110

Kemper

$1,348

$112

Kemper

$1,348

$112

Hartford

$1,361

$113

Hartford

$1,361

$113

State Farm

$1,371

$114

GEICO

$1,407

$117

State Farm

$1,437

$120

National General

$1,438

$120

GEICO

$1,456

$121

State Farm

$1,483

$124

National General

$1,484

$124

Travelers

$1,516

$126

Capital Insurance Group

$1,519

$127

Chubb

$1,528

$127

Chubb

$1,549

$129

Capital Insurance Group

$1,561

$130

Chubb

$1,573

$131

GEICO

$1,574

$131

Nationwide

$1,582

$132

State National

$1,595

$133

Capital Insurance Group

$1,615

$135

GEICO

$1,625

$135

Kemper

$1,639

$137

Kemper

$1,639

$137

State National

$1,645

$137

Nationwide

$1,647

$137

Capital Insurance Group

$1,657

$138

GEICO

$1,680

$140

State Farm

$1,693

$141

CSAA

$1,698

$141

Mercury

$1,726

$144

CSAA

$1,728

$144

State Farm

$1,756

$146

Mercury

$1,769

$147

National General

$1,788

$149

Capital Insurance Group

$1,823

$152

National General

$1,830

$153

National General

$1,830

$153

State Farm

$1,838

$153

National General

$1,855

$155

National General

$1,855

$155

Capital Insurance Group

$1,871

$156

CSAA

$1,872

$156

GEICO

$1,877

$156

Chubb

$1,880

$157

CSAA

$1,903

$159

CSAA

$1,903

$159

CSAA

$1,911

$159

CSAA

$1,911

$159

Allstate

$1,934

$161

State National

$1,968

$164

Hartford

$2,001

$167

Hartford

$2,001

$167

Allstate

$2,040

$170

Progressive

$2,053

$171

State Farm

$2,055

$171

Kemper

$2,062

$172

Kemper

$2,062

$172

Progressive

$2,064

$172

Kemper

$2,092

$174

Nationwide

$2,105

$175

CSAA

$2,115

$176

CSAA

$2,115

$176

Allstate

$2,126

$177

Hartford

$2,141

$178

Allstate

$2,150

$179

State Farm

$2,153

$179

Mercury

$2,159

$180

Nationwide

$2,164

$180

State National

$2,168

$181

State National

$2,168

$181

Mercury

$2,211

$184

National General

$2,223

$185

National General

$2,223

$185

GEICO

$2,231

$186

Progressive

$2,232

$186

Progressive

$2,240

$187

Allstate

$2,274

$190

Mercury

$2,300

$192

GEICO

$2,307

$192

Hartford

$2,309

$192

Hartford

$2,309

$192

Mercury

$2,311

$193

Farmers

$2,315

$193

Farmers

$2,315

$193

Allstate

$2,340

$195

State National

$2,346

$195

State National

$2,346

$195

Mercury

$2,359

$197

Nationwide

$2,365

$197

Capital Insurance Group

$2,375

$198

Farmers

$2,378

$198

Farmers

$2,378

$198

Allstate

$2,407

$201

Nationwide

$2,412

$201

Progressive

$2,489

$207

Chubb

$2,505

$209

Hartford

$2,516

$210

Travelers

$2,520

$210

Capital Insurance Group

$2,525

$210

Progressive

$2,540

$212

Progressive

$2,547

$212

Allstate

$2,549

$212

Chubb

$2,567

$214

Kemper

$2,581

$215

National General

$2,591

$216

National General

$2,626

$219

Travelers

$2,633

$219

Nationwide

$2,638

$220

GEICO

$2,664

$222

Progressive

$2,706

$226

Travelers

$2,806

$234

Farmers

$2,823

$235

Farmers

$2,823

$235

State Farm

$2,840

$237

Capital Insurance Group

$2,851

$238

Allstate

$2,852

$238

Mercury

$2,876

$240

Farmers

$2,893

$241

State National

$2,911

$243

State National

$2,911

$243

Travelers

$2,924

$244

Farmers

$2,973

$248

Hartford

$3,000

$250

Hartford

$3,000

$250

Mercury

$3,063

$255

Progressive

$3,081

$257

Chubb

$3,083

$257

Nationwide

$3,115

$260

Kemper

$3,118

$260

Chubb

$3,144

$262

National General

$3,150

$263

Travelers

$3,162

$263

Hartford

$3,389

$282

Chubb

$3,410

$284

Kemper

$3,470

$289

Kemper

$3,470

$289

Nationwide

$3,480

$290

Travelers

$3,516

$293

Travelers

$3,516

$293

Farmers

$3,529

$294

State Farm

$3,635

$303

Travelers

$3,683

$307

Nationwide

$3,843

$320

Chubb

$3,986

$332

Chubb

$4,044

$337

State National

$4,054

$338

Chubb

$4,104

$342

Nationwide

$4,209

$351

Allstate

$4,240

$353

State Farm

$4,253

$354

State National

$4,395

$366

Kemper

$4,400

$367

Kemper

$4,400

$367

Travelers

$4,454

$371

Allstate

$4,488

$374

Hartford

$4,808

$401

Chubb

$4,948

$412

Allstate

$5,020

$418

Kemper

$5,183

$432

Kemper

$5,183

$432

CSAA

$5,378

$448

CSAA

$5,403

$450

State National

$5,472

$456

Nationwide

$5,567

$464

Hartford

$5,596

$466

CSAA

$5,991

$499

Hartford

$7,387

$616

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.

mglogo icon
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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,222

$2,021

GEICO

$1,246

$2,244

GEICO

$1,250

$2,068

GEICO

$1,267

$2,172

GEICO

$1,280

$2,305

GEICO

$1,281

$2,120

GEICO

$1,298

$2,431

GEICO

$1,314

$2,367

GEICO

$1,447

$2,228

GEICO

$1,484

$2,503

Capital Insurance Group

$1,816

$2,235

Capital Insurance Group

$1,816

$2,235

Progressive

$1,825

$2,621

Progressive

$1,825

$2,621

GEICO

$1,856

$3,220

GEICO

$1,914

$3,650

Progressive

$1,976

$2,838

Progressive

$1,976

$2,838

State Farm

$1,991

$2,691

State Farm

$1,991

$2,691

Allstate

$2,010

$3,327

Allstate

$2,010

$3,327

GEICO

$2,030

$3,126

Capital Insurance Group

$2,067

$2,646

Capital Insurance Group

$2,067

$2,646

State Farm

$2,071

$2,799

State Farm

$2,071

$2,799

Nationwide

$2,082

$3,954

Nationwide

$2,082

$3,954

GEICO

$2,094

$3,532

Allstate

$2,102

$3,479

Allstate

$2,102

$3,479

State Farm

$2,106

$3,035

State Farm

$2,106

$3,035

Progressive

$2,115

$3,509

Progressive

$2,115

$3,509

State Farm

$2,118

$2,863

State Farm

$2,118

$2,863

Capital Insurance Group

$2,150

$2,646

Capital Insurance Group

$2,150

$2,646

Capital Insurance Group

$2,150

$2,646

Capital Insurance Group

$2,150

$2,646

Allstate

$2,155

$3,863

Allstate

$2,155

$3,863

Allstate

$2,174

$3,598

Allstate

$2,174

$3,598

Progressive

$2,216

$3,182

Progressive

$2,216

$3,182

State Farm

$2,257

$3,097

State Farm

$2,257

$3,097

Nationwide

$2,280

$4,330

Nationwide

$2,280

$4,330

Allstate

$2,320

$3,894

Allstate

$2,320

$3,894

Nationwide

$2,353

$4,941

Nationwide

$2,353

$4,941

State Farm

$2,393

$3,443

State Farm

$2,393

$3,443

Capital Insurance Group

$2,408

$2,977

Capital Insurance Group

$2,408

$2,977

State Farm

$2,413

$3,311

State Farm

$2,413

$3,311

Nationwide

$2,447

$4,646

Nationwide

$2,447

$4,646

Farmers

$2,448

$3,081

Farmers

$2,448

$3,081

Capital Insurance Group

$2,496

$2,977

Capital Insurance Group

$2,496

$2,977

GEICO

$2,557

$4,652

Progressive

$2,626

$3,844

Progressive

$2,626

$3,844

GEICO

$2,658

$5,310

State Farm

$2,661

$4,365

State Farm

$2,661

$4,365

Allstate

$2,667

$4,986

Allstate

$2,667

$4,986

Capital Insurance Group

$2,672

$3,304

Capital Insurance Group

$2,672

$3,304

Travelers

$2,689

$3,411

Travelers

$2,689

$3,411

Allstate

$2,710

$4,547

Allstate

$2,710

$4,547

GEICO

$2,734

$5,171

Nationwide

$2,740

$5,395

Nationwide

$2,740

$5,395

Farmers

$2,746

$3,582

Farmers

$2,746

$3,582

Kemper

$2,773

$4,089

Kemper

$2,773

$4,089

Travelers

$2,785

$3,532

Travelers

$2,785

$3,532

GEICO

$2,804

$5,102

State Farm

$2,820

$4,625

State Farm

$2,820

$4,625

Travelers

$2,845

$3,804

Travelers

$2,845

$3,804

Farmers

$2,846

$3,582

Farmers

$2,846

$3,582

Farmers

$2,846

$3,582

Farmers

$2,846

$3,582

GEICO

$2,857

$5,968

State Farm

$2,881

$5,186

State Farm

$2,881

$5,186

Travelers

$2,908

$3,688

Travelers

$2,908

$3,688

GEICO

$2,926

$5,846

Kemper

$2,929

$4,318

Kemper

$2,929

$4,318

Farmers

$3,077

$4,114

Farmers

$3,077

$4,114

Kemper

$3,080

$5,067

Kemper

$3,080

$5,067

Travelers

$3,181

$3,996

Travelers

$3,181

$3,996

Kemper

$3,181

$4,691

Kemper

$3,181

$4,691

Progressive

$3,284

$5,470

Progressive

$3,284

$5,470

Farmers

$3,327

$4,739

Farmers

$3,327

$4,739

Farmers

$3,358

$4,490

Farmers

$3,358

$4,490

Nationwide

$3,379

$7,466

Nationwide

$3,379

$7,466

Capital Insurance Group

$3,427

$4,086

Capital Insurance Group

$3,427

$4,086

Capital Insurance Group

$3,427

$4,086

Capital Insurance Group

$3,427

$4,086

Capital Insurance Group

$3,427

$4,086

Capital Insurance Group

$3,427

$4,086

Travelers

$3,459

$4,625

Travelers

$3,459

$4,625

Progressive

$3,492

$5,113

Progressive

$3,492

$5,113

Farmers

$3,501

$6,107

Farmers

$3,501

$6,107

Travelers

$3,514

$4,415

Travelers

$3,514

$4,415

Kemper

$3,559

$5,365

Kemper

$3,559

$5,365

Allstate

$3,569

$7,191

Allstate

$3,569

$7,191

Farmers

$3,587

$6,387

Farmers

$3,587

$6,387

Farmers

$3,598

$6,276

Farmers

$3,598

$6,276

Nationwide

$3,603

$7,095

Nationwide

$3,603

$7,095

Allstate

$3,698

$7,581

Allstate

$3,698

$7,581

Allstate

$3,762

$7,581

Allstate

$3,762

$7,581

Progressive

$3,788

$6,948

Progressive

$3,788

$6,948

Progressive

$3,810

$7,004

Progressive

$3,810

$7,004

Progressive

$3,824

$7,014

Progressive

$3,824

$7,014

Kemper

$3,845

$5,795

Kemper

$3,845

$5,795

Kemper

$3,879

$6,380

Kemper

$3,879

$6,380

Travelers

$4,633

$5,844

Travelers

$4,633

$5,844

Travelers

$4,844

$6,109

Travelers

$4,844

$6,109

Travelers

$4,855

$6,417

Travelers

$4,855

$6,417

Nationwide

$5,160

$10,133

Nationwide

$5,160

$10,133

Nationwide

$5,804

$11,397

Nationwide

$5,804

$11,397

Kemper

$5,865

$8,715

Kemper

$5,865

$8,715

Nationwide

$5,989

$13,752

Nationwide

$5,989

$13,752

Kemper

$6,441

$9,571

Kemper

$6,441

$9,571

Kemper

$6,501

$10,690

Kemper

$6,501

$10,690

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.

mglogo icon
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.

Company
Annual Premium
Monthly Premium

GEICO

$359

$30

State Farm

$359

$30

GEICO

$364

$30

USAA

$375

$31

USAA

$376

$31

GEICO

$427

$36

USAA

$454

$38

Progressive

$470

$39

State Farm

$474

$39

Progressive

$474

$40

CSAA

$491

$41

CSAA

$500

$42

Mercury

$527

$44

CSAA

$539

$45

Mercury

$539

$45

State Farm

$541

$45

Progressive

$557

$46

Nationwide

$578

$48

Kemper

$591

$49

Nationwide

$601

$50

Farmers

$608

$51

Hartford

$621

$52

State National

$622

$52

Travelers

$623

$52

Travelers

$625

$52

Capital Insurance Group

$626

$52

Farmers

$626

$52

State National

$641

$53

Capital Insurance Group

$648

$54

Mercury

$661

$55

Kemper

$682

$57

Hartford

$710

$59

Farmers

$711

$59

Travelers

$714

$60

Allstate

$725

$60

Capital Insurance Group

$726

$61

Allstate

$732

$61

State National

$759

$63

Nationwide

$761

$63

Chubb

$766

$64

Allstate

$789

$66

Chubb

$790

$66

USAA

$864

$72

USAA

$886

$74

Kemper

$899

$75

Hartford

$913

$76

State Farm

$927

$77

GEICO

$940

$78

National General

$951

$79

GEICO

$973

$81

National General

$980

$82

USAA

$1,060

$88

Progressive

$1,089

$91

Progressive

$1,096

$91

Chubb

$1,097

$91

GEICO

$1,121

$93

National General

$1,180

$98

State Farm

$1,185

$99

Mercury

$1,309

$109

Progressive

$1,316

$110

Allstate

$1,324

$110

Capital Insurance Group

$1,326

$111

Mercury

$1,340

$112

Hartford

$1,345

$112

State Farm

$1,388

$116

Allstate

$1,394

$116

Nationwide

$1,395

$116

Capital Insurance Group

$1,408

$117

CSAA

$1,502

$125

CSAA

$1,509

$126

Nationwide

$1,523

$127

State National

$1,525

$127

Hartford

$1,544

$129

Allstate

$1,548

$129

Kemper

$1,574

$131

Capital Insurance Group

$1,585

$132

Travelers

$1,647

$137

State National

$1,650

$138

CSAA

$1,671

$139

Farmers

$1,676

$140

Farmers

$1,720

$143

Travelers

$1,725

$144

Mercury

$1,737

$145

National General

$1,744

$145

National General

$1,766

$147

Chubb

$1,910

$159

Kemper

$1,941

$162

Chubb

$1,970

$164

Hartford

$1,990

$166

Nationwide

$1,999

$167

Farmers

$2,041

$170

State National

$2,045

$170

Travelers

$2,057

$171

National General

$2,117

$176

Kemper

$2,342

$195

Chubb

$2,814

$234

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click an insurer below to visit their review page or continue to your personalized quote.

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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.

Company
Annual Premium
Monthly Premium

GEICO

$359

$30

State Farm

$359

$30

GEICO

$364

$30

GEICO

$427

$36

Progressive

$470

$39

State Farm

$474

$39

Progressive

$474

$40

CSAA

$491

$41

CSAA

$500

$42

Mercury

$527

$44

CSAA

$539

$45

Mercury

$539

$45

State Farm

$541

$45

Progressive

$557

$46

Nationwide

$578

$48

Kemper

$591

$49

Nationwide

$601

$50

Farmers

$608

$51

Hartford

$621

$52

State National

$622

$52

Travelers

$623

$52

Travelers

$625

$52

Capital Insurance Group

$626

$52

Farmers

$626

$52

State National

$641

$53

Capital Insurance Group

$648

$54

Mercury

$661

$55

Kemper

$682

$57

Hartford

$710

$59

Farmers

$711

$59

Travelers

$714

$60

Allstate

$725

$60

Capital Insurance Group

$726

$61

Allstate

$732

$61

State National

$759

$63

Nationwide

$761

$63

Chubb

$766

$64

Allstate

$789

$66

Chubb

$790

$66

Kemper

$899

$75

Hartford

$913

$76

State Farm

$927

$77

GEICO

$940

$78

National General

$951

$79

GEICO

$973

$81

National General

$980

$82

Progressive

$1,089

$91

Progressive

$1,096

$91

Chubb

$1,097

$91

GEICO

$1,121

$93

National General

$1,180

$98

State Farm

$1,185

$99

Mercury

$1,309

$109

Progressive

$1,316

$110

Allstate

$1,324

$110

Capital Insurance Group

$1,326

$111

Mercury

$1,340

$112

Hartford

$1,345

$112

State Farm

$1,388

$116

Allstate

$1,394

$116

Nationwide

$1,395

$116

Capital Insurance Group

$1,408

$117

CSAA

$1,502

$125

CSAA

$1,509

$126

Nationwide

$1,523

$127

State National

$1,525

$127

Hartford

$1,544

$129

Allstate

$1,548

$129

Kemper

$1,574

$131

Capital Insurance Group

$1,585

$132

Travelers

$1,647

$137

State National

$1,650

$138

CSAA

$1,671

$139

Farmers

$1,676

$140

Farmers

$1,720

$143

Travelers

$1,725

$144

Mercury

$1,737

$145

National General

$1,744

$145

National General

$1,766

$147

Chubb

$1,910

$159

Kemper

$1,941

$162

Chubb

$1,970

$164

Hartford

$1,990

$166

Nationwide

$1,999

$167

Farmers

$2,041

$170

State National

$2,045

$170

Travelers

$2,057

$171

National General

$2,117

$176

Kemper

$2,342

$195

Chubb

$2,814

$234

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.

Company
Annual Premium
Monthly Premium

GEICO

$359

$30

State Farm

$359

$30

GEICO

$364

$30

GEICO

$427

$36

Progressive

$470

$39

State Farm

$474

$39

Progressive

$474

$40

CSAA

$491

$41

CSAA

$500

$42

Mercury

$527

$44

CSAA

$539

$45

Mercury

$539

$45

State Farm

$541

$45

Progressive

$557

$46

Nationwide

$578

$48

Kemper

$591

$49

Nationwide

$601

$50

Farmers

$608

$51

Hartford

$621

$52

State National

$622

$52

Travelers

$623

$52

Travelers

$625

$52

Capital Insurance Group

$626

$52

Farmers

$626

$52

State National

$641

$53

Capital Insurance Group

$648

$54

Mercury

$661

$55

Kemper

$682

$57

Hartford

$710

$59

Farmers

$711

$59

Travelers

$714

$60

Allstate

$725

$60

Capital Insurance Group

$726

$61

Allstate

$732

$61

State National

$759

$63

Nationwide

$761

$63

Chubb

$766

$64

Allstate

$789

$66

Chubb

$790

$66

Kemper

$899

$75

Hartford

$913

$76

State Farm

$927

$77

GEICO

$940

$78

National General

$951

$79

GEICO

$973

$81

National General

$980

$82

Progressive

$1,089

$91

Progressive

$1,096

$91

Chubb

$1,097

$91

GEICO

$1,121

$93

National General

$1,180

$98

State Farm

$1,185

$99

Mercury

$1,309

$109

Progressive

$1,316

$110

Allstate

$1,324

$110

Capital Insurance Group

$1,326

$111

Mercury

$1,340

$112

Hartford

$1,345

$112

State Farm

$1,388

$116

Allstate

$1,394

$116

Nationwide

$1,395

$116

Capital Insurance Group

$1,408

$117

CSAA

$1,502

$125

CSAA

$1,509

$126

Nationwide

$1,523

$127

State National

$1,525

$127

Hartford

$1,544

$129

Allstate

$1,548

$129

Kemper

$1,574

$131

Capital Insurance Group

$1,585

$132

Travelers

$1,647

$137

State National

$1,650

$138

CSAA

$1,671

$139

Farmers

$1,676

$140

Farmers

$1,720

$143

Travelers

$1,725

$144

Mercury

$1,737

$145

National General

$1,744

$145

National General

$1,766

$147

Chubb

$1,910

$159

Kemper

$1,941

$162

Chubb

$1,970

$164

Hartford

$1,990

$166

Nationwide

$1,999

$167

Farmers

$2,041

$170

State National

$2,045

$170

Travelers

$2,057

$171

National General

$2,117

$176

Kemper

$2,342

$195

Chubb

$2,814

$234

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.

Company
Annual Premium
Monthly Premium

GEICO

$332

$28

GEICO

$335

$28

Progressive

$356

$30

Progressive

$362

$30

State Farm

$378

$32

GEICO

$395

$33

Progressive

$419

$35

State Farm

$499

$42

Travelers

$529

$44

Travelers

$531

$44

Farmers

$531

$44

Farmers

$545

$45

Kemper

$565

$47

State Farm

$571

$48

Nationwide

$589

$49

Travelers

$604

$50

Nationwide

$612

$51

Capital Insurance Group

$618

$52

Farmers

$619

$52

Capital Insurance Group

$641

$53

Kemper

$653

$54

Capital Insurance Group

$717

$60

Chubb

$766

$64

Nationwide

$776

$65

Chubb

$790

$66

Allstate

$813

$68

Allstate

$821

$68

Kemper

$861

$72

Allstate

$886

$74

Chubb

$1,097

$91

State Farm

$1,119

$93

GEICO

$1,175

$98

GEICO

$1,226

$102

Progressive

$1,299

$108

Progressive

$1,320

$110

GEICO

$1,405

$117

State Farm

$1,423

$119

Capital Insurance Group

$1,473

$123

Travelers

$1,537

$128

Capital Insurance Group

$1,571

$131

Progressive

$1,581

$132

Travelers

$1,621

$135

Nationwide

$1,641

$137

State Farm

$1,674

$140

Allstate

$1,677

$140

Farmers

$1,715

$143

Capital Insurance Group

$1,771

$148

Farmers

$1,776

$148

Allstate

$1,777

$148

Nationwide

$1,808

$151

Kemper

$1,840

$153

Travelers

$1,940

$162

Allstate

$1,987

$166

Farmers

$2,110

$176

Chubb

$2,300

$192

Kemper

$2,302

$192

Chubb

$2,374

$198

Nationwide

$2,397

$200

Kemper

$2,714

$226

Chubb

$3,405

$284

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Santa Maria

$1,106

$462

Visalia

$1,179

$500

Chula Vista

$1,189

$501

Ventura

$1,189

$539

Salinas

$1,199

$496

San Diego

$1,202

$521

Vista

$1,205

$533

Carlsbad

$1,225

$542

Escondido

$1,232

$533

Bakersfield

$1,234

$527

Clovis

$1,239

$549

Fairfield

$1,241

$520

Oceanside

$1,246

$550

San Mateo

$1,249

$537

Murrieta

$1,250

$554

Oxnard

$1,260

$549

Temecula

$1,270

$552

Sunnyvale

$1,279

$551

Fresno

$1,281

$549

El Cajon

$1,285

$560

Santa Clara

$1,289

$559

San Jose

$1,290

$551

Fremont

$1,296

$540

Roseville

$1,309

$587

Orange

$1,310

$587

Concord

$1,315

$558

Jurupa Valley

$1,324

$573

Santa Rosa

$1,326

$543

Rancho Cucamonga

$1,330

$568

Sacramento

$1,331

$576

Berkeley

$1,342

$551

Costa Mesa

$1,342

$621

Huntington Beach

$1,349

$617

Torrance

$1,351

$608

Riverside

$1,351

$583

Corona

$1,351

$589

Simi Valley

$1,352

$621

Moreno Valley

$1,357

$578

San Bernardino

$1,369

$583

Elk Grove

$1,370

$598

Ontario

$1,374

$594

Hayward

$1,374

$559

Vallejo

$1,378

$556

Fontana

$1,384

$589

Rialto

$1,391

$585

Santa Ana

$1,399

$622

Richmond

$1,400

$583

Modesto

$1,401

$608

Victorville

$1,402

$594

Antioch

$1,403

$570

Stockton

$1,407

$590

Thousand Oaks

$1,408

$638

Irvine

$1,411

$633

Arden-Arcade

$1,430

$647

Pomona

$1,432

$618

Santa Clarita

$1,444

$654

Anaheim

$1,448

$648

Norwalk

$1,460

$633

Lancaster

$1,462

$659

Oakland

$1,469

$598

West Covina

$1,478

$656

Fullerton

$1,480

$657

San Francisco

$1,486

$613

Garden Grove

$1,488

$682

Long Beach

$1,497

$649

Palmdale

$1,507

$667

Daly City

$1,528

$621

Downey

$1,531

$657

East Los Angeles

$1,562

$677

El Monte

$1,586

$693

Pasadena

$1,598

$704

Burbank

$1,733

$782

Inglewood

$1,740

$774

Los Angeles

$1,877

$820

Glendale

$2,115

$913

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.