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Get Cheap Car Insurance in Bernal Heights, San Francisco, CA

We monitor insurance prices, helping the average driver in Bernal Heights save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Bernal Heights

The chart below shows the cheapest car insurance company in Bernal Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
Bernal Heights Insurer Monthly Cost
Metromile $55
Geico $62
Progressive $66
Travelers $68

Savings for Every Kind of Bernal Heights Driver

The table shows how much the average auto insurance customer in Bernal Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Bernal Heights driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $695 per year by choosing the right vehicle insurance company. Some Bernal Heights residents are paying out over $2,174 extra every year for auto insurance in Bernal Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bernal Heights, San Francisco, CA Savings / Yr.
Drivers with good records
$695
Drivers with accidents
$1,273
Drivers with speeding tickets
$1,007
Drivers with a DUI conviction
$1,769
Young drivers
$908
Married drivers
$394
Drivers with bad credit
$0

Bernal Heights Car Insurance vs. San Francisco

People living in Bernal Heights pay an average of 8.27% more than the typical driver in the state. The average driver in Bernal Heights can expect to pay about $1,018 per year, or $2,174 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Bernal Heights for most people.

Car Insurance Prices by Bernal Heights Neighborhood

Bernal Heights, San Francisco, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Bernal Heights?

The map shows insurance prices in and around Bernal Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $369 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,360 to a low of $1,991. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Bernal Heights.

Pick the Best Car Insurance Company for You in Bernal Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bernal Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bernal Heights

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $695 over the average Bernal Heights car insurance company.

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We use the average good driver, paying $123 per month, as our baseline for pricing in Bernal Heights. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bernal Heights drivers with accidents on their records

In Bernal Heights getting into an accident will raise premiums an average 44% for a yearly cost of $3,909. That's $1,736 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,273 over the competition.

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The best car insurance company for Bernal Heights drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $1,007 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bernal Heights, tickets raise premiums on new quotes about $1,103. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,277 per year.

The best auto insurance for Bernal Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,505 per year in auto insurance premiums, which was $3,331 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,769 less each year.

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The least expensive car insurance company for new and young drivers in Bernal Heights

In Bernal Heights, State Farm costs young drivers $908 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Bernal Heights. With an average cost of $5,768 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bernal Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $215. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Bernal Heights.

Progressive gave the largest car insurance discounts to married couples, averaging $394 saved each year compared to an average Bernal Heights couple's premiums.

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The cheapest car insurance in Bernal Heights for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Bernal Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bernal Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Bernal Heights.

Nationwide was the best company for customer service in Bernal Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bernal Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bernal Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bernal Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 42% of Bernal Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Bernal Heights driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bernal Heights, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Bernal Heights

What Influences the Cost of Car Insurance in Bernal Heights?

On average, car insurance in Bernal Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Bernal Heights is 41 minutes, which is far more than average for a driver in the city.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bernal Heights are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Bernal Heights has an average population density in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Bernal Heights is $85 per month for minimum coverage and $181 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Bernal Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bernal Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.