Cheapest Car Insurance in San Francisco (2022)

The cheapest car insurance companies in San Francisco are GEICO, $214 a month, and USAA, $288 a month.

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GEICO and USAA have the cheapest rates for car insurance in San Francisco. Our research shows that GEICO has an average of $214 a month for minimum-coverage car insurance, and USAA has an average rate of $288.

While these are the lowest rates for car insurance available in San Francisco, they're still well above the national average rate. For this reason, you should understand the factors that go into quoting your car insurance premium in order to get the best coverage at the cheapest price. We put together this guide for San Francisco drivers to help with that.

In this article, we'll cover

San Francisco's cheapest car insurance companies

GEICO has the cheapest rates straight down the line for car insurance in San Francisco. Whether you're looking for standard or full-coverage car insurance, or have an accident, speeding ticket or DUI on your record, GEICO is the most affordable choice.

Cheapest minimum-coverage car insurance in San Francisco

GEICO has the lowest rate for auto insurance in San Francisco at $214 a month. USAA is the second-cheapest rate at $288 a month. As a comparison point, San Francisco drivers pay an average of $327 a month for minimum-coverage car insurance. Keep in mind that USAA only offers car insurance for enlisted military and veterans, as well as their families.

Cheapest car insurance companies in San Francisco for minimum coverage
Company Monthly rate
GEICO $214
USAA $288
Mercury $302
State Farm $303
Farmers $339
Auto Club $341
Allstate $359
CSAA $471
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

California drivers are required by law to meet the state minimum requirements for liability auto insurance. These limits are:

  • Bodily injury liability per person: $15,000
  • Bodily injury liability per accident: $30,000
  • Property damage liability: $5,000

Cheapest full-coverage car insurance in San Francisco

GEICO has the lowest rate for full-coverage car insurance in San Francisco at $248 a month. USAA has the next-most affordable full-coverage rates with an average of $342 a month.

Cheapest car insurance companies in San Francisco for full coverage
Company Monthly rate
GEICO $248
USAA $342
Mercury $351
State Farm $360
Farmers $364
Auto Club $380
Allstate $387
CSAA $510
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance includes liability, collision and comprehensive coverage. After an accident, minimum-coverage car insurance does not cover your own damages and injuries. In order to not pay for repairs and medical bills of your own, you need full-coverage.

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Cheapest San Francisco car insurance after an accident or speeding ticket

GEICO and State Farm have the lowest average rates for minimum-coverage car insurance for San Francisco drivers after an accident or speeding ticket. For drivers with an accident on their insurance record, GEICO has an average monthly rate of $227 a month and State Farm has a rate of $258 a month.

Cheapest car insurance rates in San Francisco after an accident
Company Monthly rate
GEICO $227
State Farm $258
Auto Club $305
USAA $315
Mercury $355
CSAA $366
Allstate $368
Farmers $389
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

San Francisco drivers with a speeding ticket find the cheapest liability auto insurance with GEICO, at $196 a month. State Farm is the next-most affordable at $249 a month.

Cheapest car insurance rates in San Francisco after a speeding ticket
Company Monthly rate
GEICO $196
State Farm $249
Allstate $252
Mercury $292
USAA $293
Auto Club $299
Farmers $332
CSAA $366
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for San Francisco drivers after a DUI

GEICO has the cheapest rate for San Francisco drivers looking for car insurance after a DUI, at $288 a month. Mercury is the second-cheapest at $340 a month.

Cheapest car insurance rate for San Francisco drivers after a DUI
Company Monthly rate
GEICO $288
Mercury $340
USAA $364
Farmers $389
State Farm $541
Auto Club $559
Allstate $630
CSAA $879
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A DUI stays on your driving record for 10 years in California, and on your car insurance record for seven years. The penalties for a first-time DUI offense include:

  • Up to six months in jail
  • Fines up to $1,000
  • Six-month drivers license suspension
  • Possible ignition interlock device installed in your car for up to five years
  • Possible DUI education course completion

After a license suspension in California, you'll need to file an SR-22 to get it reinstated. An SR-22 is a form that proves you carry California's minimum car insurance limits after a DUI. California law requires you to carry an SR-22 for three years to five consecutive years.

Cheapest car insurance in San Francisco for teens

GEICO and State Farm have the lowest car insurance premiums for San Francisco teen drivers, for both minimum- and full-coverage auto insurance. For minimum coverage, GEICO offers an average rate of $313 a month and State Farm an average of $414 a month.

Cheapest minimum-coverage car insurance for San Francisco teens
Company Monthly rate
GEICO $313
State Farm $414
USAA $465
Mercury $471
Farmers $509
Allstate $538
Auto Club $581
CSAA $882
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

San Francisco teens needing full-coverage car insurance find the best rate with GEICO at $366 a month, and State Farm the next-most affordable rate at $496 a month.

Cheapest full-coverage car insurance for San Francisco teens
Company Monthly rate
GEICO $366
State Farm $496
Farmers $547
Mercury $549
USAA $559
Allstate $585
Auto Club $650
CSAA $960
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Teen drivers in any state tend to pay the highest rates for car insurance. This is because auto insurance providers often consider teens to be high risk to cover due to their lack of experience driving. A good way to avoid high car insurance rates if you're a teen driver is to get added to a parent's car insurance policy. This can save you and your family a considerable amount in annual insurance costs.

Cheapest car insurance for San Francisco seniors

If you're a senior driver in San Francisco looking for car insurance, GEICO has your most affordable rate at an average of $178 a month. USAA has the second-cheapest rate at $210 a month.

Cheapest minimum-coverage car insurance for San Francisco seniors
Company Monthly rate
GEICO $178
USAA $210
Mercury $221
Auto Club $235
State Farm $250
Farmers $266
Allstate $290
CSAA $299
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors looking for full-coverage auto insurance in San Francisco get the most affordable rate with GEICO at an average of $204 a month. USAA is the next-cheapest at $247 a month.

Cheapest full-coverage car insurance for San Francisco seniors
Company Monthly rate
GEICO $204
USAA $247
Mercury $256
Auto Club $260
Farmers $285
State Farm $295
Allstate $310
CSAA $323
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap car insurance in San Francisco

California car insurance requirements

California state law requires drivers to carry the following minimum liability insurance limits:

  • Bodily injury liability per person: $15,000
  • Bodily injury liability per accident: $30,000
  • Property damage liability per accident: $5,000

While these limits are required, they should not be considered recommended. The required limits for standard car insurance can quickly be exceeded if your insurance company pays out for a long hospital stay or court case. Any costs that occur over your policy limits will come out of your pocket. To avoid this, we recommend raising your liability limits to the following:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every San Francisco ZIP code to find the cheapest auto insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Full-coverage policies include the following additional coverages, limits and deductibles:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 deductible for collision coverage
  • $500 deductible for comprehensive coverage

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