Compare San Francisco, CA Car Insurance Rates (2021)

Car insurance in San Francisco, CA averages $360 a month. San Francisco, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Francisco car insurance rates, compare quotes from the top car insurance companies in San Francisco, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in San Francisco is 94128
  • Average car insurance rates in San Francisco, CA after a DUI are $6,076/year
  • The cheapest car insurance company in San Francisco is GEICO

If you need to buy San Francisco, California car insurance, the options can be confusing. Everything you need to know about car insurance in San Francisco, CA is right here.

You’ll find San Francisco car insurance rates, the cheapest San Francisco, CA car insurance companies, and information on California car insurance laws. You can also compare San Francisco, California car insurance rates to Oakland car insurance rates, Fresno car insurance rates, and Long Beach car insurance rates.

Ready to find affordable San Francisco, CA car insurance today? Enter your ZIP code for fast, free San Francisco car insurance quotes.

Cheapest San Francisco, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Francisco, CA car insurance rates? Every San Francisco, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Francisco, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,586 $3,584 $2,611 $2,633 $10,108 $12,726 $4,602 $5,051
Farmers $3,311 $3,311 $2,988 $2,988 $10,639 $17,490 $3,932 $4,386
GEICO $1,886 $1,888 $1,775 $1,775 $5,747 $5,852 $2,711 $2,774
Liberty Mutual $2,776 $2,637 $2,573 $2,498 $6,172 $6,527 $3,147 $3,156
Nationwide $4,046 $3,861 $3,515 $3,312 $10,403 $11,457 $4,856 $4,809
Progressive $1,934 $1,991 $1,637 $1,947 $5,166 $6,233 $2,787 $2,997
State Farm $3,524 $3,524 $3,148 $3,148 $6,482 $8,030 $3,903 $4,026
Travelers $2,948 $2,849 $2,597 $2,569 $6,198 $7,091 $3,857 $3,774
USAA $2,225 $2,106 $2,170 $2,179 $5,089 $5,143 $3,106 $2,934

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Minimum Car Insurance in San Francisco, CA

Every driver must carry the minimum car insurance in San Francisco, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in San Francisco, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest San Francisco, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Francisco, CA to rates for a clean record with top companies.

Annual San Francisco, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,368 $5,699 $8,952 $4,432
Farmers $4,527 $6,170 $7,693 $6,131
GEICO $2,134 $3,291 $4,131 $2,647
Liberty Mutual $3,200 $4,289 $3,864 $3,390
Nationwide $4,030 $5,165 $8,769 $5,165
Progressive $2,020 $3,434 $3,978 $2,913
State Farm $3,191 $3,806 $7,191 $3,704
Travelers $2,634 $4,338 $5,055 $3,915
USAA $2,068 $3,088 $5,053 $2,267

Cheapest San Francisco, CA Car Insurance for Teen Drivers

Teen car insurance in San Francisco, CA can be expensive. Take a look at rates from the top car insurance companies in San Francisco for teenagers.

Annual Car Insurance Rates for Teen Drivers in San Francisco, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,108 $12,726
Farmers $10,639 $17,490
GEICO $5,747 $5,852
Liberty Mutual $6,172 $6,527
Nationwide $10,403 $11,457
Progressive $5,166 $6,233
State Farm $6,482 $8,030
Travelers $6,198 $7,091
USAA $5,089 $5,143

Cheapest San Francisco, CA Car Insurance for Seniors

Take a look at San Francisco, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in San Francisco, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,611 $2,633
Farmers $2,988 $2,988
GEICO $1,775 $1,775
Liberty Mutual $2,573 $2,498
Nationwide $3,515 $3,312
Progressive $1,637 $1,947
State Farm $3,148 $3,148
Travelers $2,597 $2,569
USAA $2,170 $2,179

Cheapest San Francisco, CA Car Insurance Rates After a DUI

A DUI in San Francisco, CA increases car insurance rates. Compare San Francisco, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in San Francisco, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,952
Farmers $7,693
GEICO $4,131
Liberty Mutual $3,864
Nationwide $8,769
Progressive $3,978
State Farm $7,191
Travelers $5,055
USAA $5,053

Cheapest San Francisco, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Francisco, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in San Francisco, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,061 $6,165
Farmers $5,562 $6,699
GEICO $2,771 $3,330
Liberty Mutual $3,384 $3,987
Nationwide $5,097 $6,467
Progressive $2,798 $3,375
State Farm $4,312 $4,634
Travelers $3,576 $4,395
USAA $2,876 $3,362

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Cheapest San Francisco, CA Car Insurance Rates by ZIP Code

San Francisco car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in San Francisco, CA.

Annual Car Insurance Rates by ZIP Code in San Francisco, California

ZIP Code Average Annual Rates
94102 $6,299
94103 $6,139
94104 $6,119
94105 $5,851
94107 $5,724
94108 $6,098
94109 $5,912
94110 $5,874
94111 $5,831
94112 $6,161
94114 $5,688
94115 $6,020
94116 $6,038
94117 $5,620
94118 $5,936
94121 $6,045
94122 $5,842
94123 $5,746
94124 $6,575
94127 $5,738
94128 $5,415
94129 $5,725
94130 $6,165
94131 $5,618
94132 $6,298
94133 $6,088
94134 $6,542
94158 $5,579
94188 $5,567

The Best Cheap Car Insurance Companies in San Francisco, CA

Take a look at a side-by-side comparison of the top car insurance companies in San Francisco, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in San Francisco, California

Insurance Company Average Annual Rates
Allstate $5,613
Farmers $6,130
GEICO $3,051
Liberty Mutual $3,686
Nationwide $5,782
Progressive $3,086
State Farm $4,473
Travelers $3,986
USAA $3,119

Category Winners: Cheapest Car Insurance in San Francisco, California

Find the cheapest car insurance companies in San Francisco, CA for each category right here.

Best Annual Car Insurance Rates by Company in San Francisco, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest San Francisco, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Francisco car insurance rates. Find the cheapest San Francisco, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in San Francisco, California

Insurance Company Low Medium High
Allstate $5,323 $5,660 $5,855
Farmers $5,732 $6,177 $6,483
GEICO $2,802 $3,083 $3,267
Liberty Mutual $3,465 $3,717 $3,876
Nationwide $5,264 $5,882 $6,202
Progressive $2,777 $3,179 $3,303
State Farm $4,062 $4,547 $4,811
Travelers $3,475 $4,098 $4,384
USAA $2,863 $3,173 $3,321

What affects car insurance rates in San Francisco, California?

What factors can have an impact on San Francisco, CA car insurance? There are several reasons why San Francisco car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Francisco, California.

Car Theft in San Francisco

High levels of vehicle theft can make car insurance more expensive. San Francisco, CA car theft statistics from the FBI indicate 4,217 vehicle thefts a year.

Commute Time in San Francisco

The more time you spend in your car the higher the risk of an accident. The average commute length in San Francisco, CA is 33.8 minutes according to City-Data.

Traffic in San Francisco

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. San Francisco, CA traffic data from INRIX ranks San Francisco as the 38th-most congested in the world.

Compare Car Insurance Quotes in San Francisco, CA

Ready to find affordable San Francisco, California car insurance today? Enter your ZIP code for fast, free San Francisco, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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