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Get Cheap Car Insurance in Downtown San Francisco, San Francisco, CA
We monitor insurance prices, helping the average driver in Downtown San Francisco save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown San Francisco
The chart below shows the cheapest car insurance company in Downtown San Francisco 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.
| Downtown San Francisco Insurer | Monthly Cost |
|---|---|
| Metromile | $61 |
| Geico | $69 |
| Progressive | $74 |
| Travelers | $76 |
Savings for Every Kind of Downtown San Francisco Driver
Based on our extensive insurance data, we know the average Downtown San Francisco 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 $778 per year by choosing the right vehicle insurance company. Some Downtown San Francisco residents are paying out over $2,432 extra every year for auto insurance in Downtown San Francisco. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown San Francisco, San Francisco, CA Savings / Yr. |
|---|---|
$778 |
|
$1,424 |
|
$1,126 |
|
$1,979 |
|
$1,016 |
|
$441 |
|
$0 |
Downtown San Francisco Car Insurance vs. San Francisco
People living in Downtown San Francisco pay an average of 21.12% more than the typical driver in the state. The average driver in Downtown San Francisco can expect to pay about $1,139 per year, or $2,432 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown San Francisco for most people.
Car Insurance Prices by Downtown San Francisco Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown San Francisco?
The map shows insurance prices in and around Downtown San Francisco, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $332 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,569 to a low of $2,237. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Downtown San Francisco.Pick the Best Car Insurance Company for You in Downtown San Francisco
The best car insurance provider for most drivers in Downtown San Francisco
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $778 over the average Downtown San Francisco car insurance company.
The best car insurance provider for Downtown San Francisco drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,424 over the competition.
The best car insurance company for Downtown San Francisco drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,126 better than other car insurance companies.
The best auto insurance for Downtown San Francisco drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,979 less each year.
The least expensive car insurance company for new and young drivers in Downtown San Francisco
In Downtown San Francisco, State Farm costs young drivers $1,016 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown San Francisco
Progressive gave the largest car insurance discounts to married couples, averaging $441 saved each year compared to an average Downtown San Francisco couple's premiums.
The cheapest car insurance in Downtown San Francisco for drivers with bad credit
The best Downtown San Francisco car insurance company for customer service
Nationwide was the best company for customer service in Downtown San Francisco according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown San Francisco
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown San Francisco driver can expect to pay about $129 per month.
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 Downtown San Francisco, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Downtown San Francisco
What Influences the Cost of Car Insurance in Downtown San Francisco?
On average, car insurance in Downtown San Francisco 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 Downtown San Francisco is 35 minutes, which is about the national 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 Downtown San Francisco are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Downtown San Francisco is one of the least populated areas 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 Downtown San Francisco is $95 per month for minimum coverage and $203 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
- Union Square: Insurance costs 3.91% less
- Nob Hill: Insurance costs 2.63% less
- Chinatown-San Francisco: Insurance costs 0.29% less
- Western Addition: Insurance costs 3.29% less
- South of Market: Insurance costs 5.96% less
- Pacific Heights: Insurance costs 6.29% less
- Russian Hill: Insurance costs 3.54% less
- Duboce Triangle: Insurance costs 3.99% less
- Financial District: Insurance costs 7.98% less
- Cow Hollow: Insurance costs 4.48% less
Neighborhoods with Similar Populations
- University Heights: Insurance costs 47.66% more
- East Reno: Insurance costs 7.98% less
- Edgewater: Insurance costs 21.63% less
- El Rancho: Insurance costs 4.93% less
- El Sereno: Insurance costs 0.62% less
- Far North: Insurance costs 53.21% less
- Far Northwest: Insurance costs 26.48% less
- Far West: Insurance costs 29.65% less
- Greater Memorial: Insurance costs 23.73% less
- Harbor Gateway: Insurance costs 2.63% less