Best Car Insurance Rates in San Francisco, California

On average your neighbors pay $68 a month.

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Compare Car Insurance Quotes in San Francisco

San Francisco, California is one of the most expensive cities in the US to live in, and while many residents don’t own a car; the majority of households do. So, if you’re a car owner, you should let QuoteWizard help you find affordable car insurance rates so you can spend your hard-earned money on something else (like rent).

Average San Francisco Car Insurance Rates

How much is car insurance in San Francisco, CA? Residents shouldn't be surprised to learn that average rates in San Francisco are higher than both the state and national averages. The average cost of auto insurance in California is $814.82 a year. The national average cost is $866.31.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $482.18
Collision $374.31
Comprehensive $98.73
Total Cost Per Year $814.82
Price Per Month $67.90

QuoteWizard helps consumers compare quotes from top national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Francisco, California and save up to 40% on your premium.

Last year, 6,352 people used QuoteWizard to compare auto insurance quotes in San Francisco, CA from multiple companies, and find the cheapest rates.

Top 10 Vehicles in San Francisco

These are the most common car makes and models owned by San Francisco drivers requesting quotes through QuoteWizard last year.

  1. Toyota Prius
  2. Honda Accord EX/LX
  3. Honda Civic EX/LX
  4. Toyota Corolla CE/LE/S
  5. Aura ILX 20 Premium
  6. Mini Cooper
  7. Toyota Camry LE/XLE/SE
  8. Honda Fit
  9. Honda CR-V EX
  10. BMW 328i - tie
  11. Toyota Rav4 - tie
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Best Car Insurance Companies in San Francisco

This is our list of the most common car insurance companies reported by QuoteWizard users in San Francisco, CA last year when they requested a quote.

Other popular San Francisco, California car insurance companies: Nationwide, Mercury, Country Financial, MetLife, Safeco, American Family, USAA, Allied, and California Farm Bureau.

San Francisco Drivers

According to the “America’s Best Drivers Report” published by Allstate, San Francisco, CA ranked 185th out of the 200 largest US cities for safe driving. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 6.5 years, much higher than the national average.

San Francisco drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Some factors that can influence your insurance rates are the weather, driving, and road conditions.

Weather

The weather in San Francisco is mild and comfortable year-round. There is very little temperature variation. That’s because the city is surrounded by the Pacific Ocean on three sides. Average highs seldom exceed 80 degrees in the summer or drop below 40 degrees in the winter. Residents enjoy an average of 259 sunny days with only 64 rainy days per year. When it does rain, drivers should take care driving the city’s notoriously hilly streets. Drivers should also be on guard for the fog, which often appears in summertime and can severely reduce visibility.

Road Conditions

More than the weather, road conditions are a big headache for drivers here. According to a recent study by TRIP, a whopping 71% of San Francisco's major roads have pavement in poor condition. 20% are mediocre. These poorly maintained streets costs drivers $978 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's traffic index, San Francisco 2nd in the nation for traffic congestion and delays. An average commuter spends an extra 37 minutes per hour stuck in traffic during rush hour commutes and 143 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Moving violations such as red light infractions, speeding, and drunk driving can add points to your driver's license and lead to higher insurance rates.

Traffic Tickets

The Superior Court of California County of San Francisco website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

San Francisco police wrote more than 15,441 traffic violations in 2015.

Red Light Cameras

In 2013, San Francisco had 25 intersections equipped with red light cameras. This website provides information on how to pay or fight your automated red light ticket.

In 2013, 19,122 red light camera violations were issued because of infractions that occurred in these 25 photo enforced intersections.

DUI Arrests

The San Francisco Police Department recorded 1,728 DUI arrests in 2013, a decrease of 2% from the 1,766 arrested in 2012. San Francisco has good public transit and offers rideshare services such as Lyft and Uber, so there’s no reason to risk a DUI. Paying for a ride home will always cost much less than a DUI.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in San Francisco DUI insurance.

Traffic Fatalities

San Francisco experienced 33 motor vehicle crash fatalities in 2013. 18 of them were pedestrians. This works out to a fatality rate of 2.15 per 100,000 city residents. Given an estimated population of 870,887, this is a relatively safe city in terms of traffic deaths.

Vehicle Theft Rates

The San Francisco Police Department recorded 6,978 vehicle thefts in 2016. This is a rate of 8.07 per 1,000 residents.

The National Insurance Crime Bureau (NICB) ranked San Francisco 1st in the nation for cities with the worst auto theft in 2014.

Legal Minimum Insurance Requirements

San Francisco, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that policies must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. Below are some of the auto insurance discounts available to drivers in San Francisco. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies together can save you up to 15%
  2. Get a new car to qualify for the new car discount. If the car has advanced safety features or anti-theft devices you may qualify for even more discounts
  3. Take a defensive driving course from an accredited driving school
  4. Remove full comprehensive coverage from your policy
  5. Maintain good credit. If you have good credit, you may be able to lower your rates
  6. Keep your driving record clean. Driver's that keep incidents like tickets and accidents off their records pay less to insure their vehicles
  7. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
  8. Drive less by living close to work and you might qualify for the low mileage discount
  9. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  10. Shop around and compare cheap auto insurance quotes near San Francisco to make sure you aren't missing out on any discounts

Car insurance agents near San Francisco, CA:

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