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Get Cheap Car Insurance in San Francisco, CA
We monitor insurance prices, helping the average driver in the San Francisco area save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Francisco
The chart below shows the cheapest car insurance company in 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.
| San Francisco Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $61 |
| Progressive | $65 |
| Travelers | $67 |
Savings for Every Kind of San Francisco Driver
Based on our extensive insurance data, we know the average 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 $686 per year by choosing the right vehicle insurance company. Some San Francisco residents are paying out over $2,146 extra every year for auto insurance in San Francisco. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Francisco, CA Savings / Yr. |
|---|---|
$686 |
|
$1,257 |
|
$994 |
|
$1,746 |
|
$897 |
|
$389 |
|
$0 |
San Francisco Car Insurance vs. California
People living in San Francisco pay an average of 6.87% more than the typical driver in the state. The average driver in San Francisco can expect to pay about $1,005 per year, or $2,146 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Francisco for most people.
Car Insurance Prices by San Francisco Neighborhood
Insurance Prices
Where is insurance cheapest within San Francisco?
The map shows insurance prices in and around San Francisco, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $625 per year within the city boundaries, with insurance premiums ranging from a high of $2,615 to a low of $1,990. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the West parts of San Francisco.Pick the Best Car Insurance Company for You in San Francisco
The best car insurance provider for most drivers in San Francisco
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $686 over the average San Francisco car insurance company.
The best car insurance provider for 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 $1,257 over the competition.
The best car insurance company for San Francisco drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $994 better than other car insurance companies.
The best auto insurance for San Francisco drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,746 less each year.
The least expensive car insurance company for new and young drivers in San Francisco
In San Francisco, State Farm costs young drivers $897 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Francisco
Progressive gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average San Francisco couple's premiums.
The cheapest car insurance in San Francisco for drivers with bad credit
The best San Francisco car insurance company for customer service
Nationwide was the best company for customer service in San Francisco according to the NAIC.
Recent price drops
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The cheapest large national provider in San Francisco
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 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 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 San Francisco
What Influences the Cost of Car Insurance in San Francisco?
On average, car insurance in 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 city are influenced by the following factors:
- The average commute time in the San Francisco area is 41 minutes, which is a little more than average for a driver in the state.
- 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 the San Francisco area 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 D- according to CrimeGrade.org.
- San Francisco is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in San Francisco is $84 per month for minimum coverage and $179 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 Cities
- Daly City: Insurance costs 2.70% more
- Brisbane: Insurance costs 0.93% more
- Colma: Insurance costs 5.17% more
- South San Francisco: Insurance costs 0.09% more
- Sausalito: Insurance costs 0.79% less
- Belvedere: Insurance costs 1.30% more
- Tiburon: Insurance costs 4.38% less
- San Bruno: Insurance costs 1.82% less
- Pacifica: Insurance costs 4.89% less
- Alameda: Insurance costs 1.82% more
Cities with Similar Populations
- Davenport: Insurance costs 41.29% less
- Dearborn: Insurance costs 50.65% more
- Danbury: Insurance costs 3.22% more
- Dallas: Insurance costs 13.98% less
- Cumming: Insurance costs 13.33% less
- Davie: Insurance costs 43.06% more
- Conway: Insurance costs 21.20% less
- Cleveland: Insurance costs 45.34% less
- Chico: Insurance costs 11.46% less
- Colorado Springs: Insurance costs 10.11% less