Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

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

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

 

Start Saving

;

The Cheapest Minimum Coverage in Pacific Heights

The chart below shows the cheapest car insurance company in Pacific 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.

 
Pacific Heights Insurer Monthly Cost
Metromile $57
Geico $65
Progressive $69
Travelers $71

Savings for Every Kind of Pacific Heights Driver

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

Based on our extensive insurance data, we know the average Pacific 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 $729 per year by choosing the right vehicle insurance company. Some Pacific Heights residents are paying out over $2,279 extra every year for auto insurance in Pacific Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Pacific Heights, San Francisco, CA Savings / Yr.
Drivers with good records
$729
Drivers with accidents
$1,335
Drivers with speeding tickets
$1,056
Drivers with a DUI conviction
$1,855
Young drivers
$952
Married drivers
$413
Drivers with bad credit
$0

Pacific Heights Car Insurance vs. San Francisco

People living in Pacific Heights pay an average of 13.50% more than the typical driver in the state. The average driver in Pacific Heights can expect to pay about $1,067 per year, or $2,279 for full coverage.

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

Car Insurance Prices by Pacific Heights Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Pacific Heights?

The map shows insurance prices in and around Pacific Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $447 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,438 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 West parts of Pacific Heights.

Pick the Best Car Insurance Company for You in Pacific 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 Pacific Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Pacific Heights

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $729 over the average Pacific Heights car insurance company.

Visit Site

We use the average good driver, paying $129 per month, as our baseline for pricing in Pacific 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 Pacific Heights drivers with accidents on their records

In Pacific Heights getting into an accident will raise premiums an average 44% for a yearly cost of $4,098. That's $1,819 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 $1,335 over the competition.

Visit Site

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

>Metromile gave the average person with a speeding ticket the most savings, averaging $1,056 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Pacific Heights, tickets raise premiums on new quotes about $1,157. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,436 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,771 per year in auto insurance premiums, which was $3,492 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 $1,855 less each year.

Visit Site

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

In Pacific Heights, State Farm costs young drivers $952 less each year versus the average auto insurance bill.

Visit Site

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 Pacific Heights. With an average cost of $6,047 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 Pacific Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $226. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Pacific Heights.

Progressive gave the largest car insurance discounts to married couples, averaging $413 saved each year compared to an average Pacific Heights couple's premiums.

Visit Site

The cheapest car insurance in Pacific 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 Pacific Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Pacific 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 Pacific Heights.

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

Visit Site

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 Pacific Heights, which was better than other insurers.

Visit Site

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 Pacific 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 Pacific Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 70% of Pacific 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 Pacific Heights driver can expect to pay about $129 per month.

Visit Site

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 Pacific Heights, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Pacific Heights

What Influences the Cost of Car Insurance in Pacific Heights?

On average, car insurance in Pacific 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 Pacific Heights is 40 minutes, which is a little 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 Pacific Heights are lower than average 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.
  • Pacific Heights 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 Pacific Heights is $89 per month for minimum coverage and $190 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 Pacific Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pacific 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.