In San Francisco, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those focused on cost, State Farm also provides the lowest premium at $91 per month.
Cheap Home Insurance in San Francisco
Updated: June 12, 2025
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Key Takeaways
For homeowners in San Francisco, State Farm provides the best overall value and offers the most affordable coverage at $1,091 annually.
Home insurance in San Francisco costs an average of $131 per month, or $1,575 per year.
To find the right home insurance in San Francisco, assess your coverage needs, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in San Francisco
| State Farm | 92 | $91 | $1,091 |
| Farmers | 79 | $108 | $1,295 |
| Travelers | 78 | $126 | $1,507 |
| Allstate | 78 | $107 | $1,282 |
| Nationwide | 65 | $168 | $2,010 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does San Francisco Home Insurance Cost?
Home insurance costs in San Francisco vary based on your personal profile, coverage level and home details. Rates range from $40 to $494 per month. Below, you can explore personalized rates tailored to your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $40 | $479 |
How to Get the Best Cheap Home Insurance in San Francisco
Finding affordable home insurance in San Francisco can be tough. We've created a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs before shopping around allows you to compare quotes fairly and avoid being upsold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
Beyond pricing, evaluate add-on coverages and company reputations for service quality, claims handling and customer support. Use resources like J.D. Power, the NAIC, Reddit forums, and Trustpilot for informed reviews.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in San Francisco: Bottom Line
The top three best and cheapest home insurance providers in San Francisco are State Farm, Farmers and Travelers. While these are our recommendations, do your own research and compare multiple quotes from various companies to get the best deal.
San Francisco Home Insurance: FAQ
We've answered frequently asked questions about insuring homes in San Francisco.
Who offers the best home insurance in San Francisco?
We recommend State Farm as the best home insurance provider in San Francisco for its overall value, customer service and coverage options. Additionally, consider quotes from Farmers, Travelers, Allstate and Nationwide.
Who has the cheapest home insurance in San Francisco?
State Farm offers the most affordable home insurance in San Francisco, with an average cost of $91 per month or $1,091 annually. Your actual rate may differ based on individual factors and chosen coverages.
What does home insurance cost in San Francisco?
Home insurance costs in San Francisco range from $479 to $5,925 annually, depending on property age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in San Francisco
MoneyGeek’s study analyzed home insurance premiums from 10 companies in San Francisco. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.