Compare Car Insurance 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 $841.45 a year. The national average price is $889.01.
Prices may vary depending on your driving record and the number of claims filed in your zip code.
|Total Cost Per Year||$841.45|
|Price Per Month||$70.12|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.
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 to find the lowest rates.
Best Car Insurance Companies in San Francisco, CA
This is our list of the most common car insurance companies reported by QuoteWizard users in San Francisco, California last year when they requested a quote.
Other popular San Francisco car insurance companies: Nationwide, Mercury, Country Financial, MetLife, Safeco, American Family, USAA, Allied, and California Farm Bureau.
Top 10 Vehicles
These are the most common car makes and models owned by San Francisco, CA drivers requesting quotes through QuoteWizard last year.
- Toyota Prius
- Honda Accord EX/LX
- Honda Civic EX/LX
- Toyota Corolla CE/LE/S
- Aura ILX 20 Premium
- Mini Cooper
- Toyota Camry LE/XLE/SE
- Honda Fit
- Honda CR-V EX
- BMW 328i - tie
- Toyota Rav4 - tie
Minimum Car Insurance Requirements in San Francisco, CA
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.
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.
Some factors that can influence your insurance rates are the weather, driving, and road conditions.
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.
More than the weather, road conditions are a big headache for drivers here. According to a recent study by TRIP, a whopping 71 percent of San Francisco's major roads have pavement in poor condition. Another 16 percent of roads are mediocre. These poorly maintained streets costs drivers $1,049 per year in extra vehicle operating costs.
TomTom ranks San Francisco 30th in the world for traffic congestion and delays. An average commuter spends an extra 39 minutes per day stuck in traffic during rush hour commutes and 150 hours a year for peak hour commutes of 30 minutes.
Moving violations such as red light infractions, speeding, and accidents can add points to your driver's license and lead to higher rates. These points can remain on your driving record for three years. If your insurance company finds out, they may change your preferred status to "non-standard" and make you buy a high-risk policy.
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.
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.
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 884,363, this is a relatively safe city in terms of traffic deaths.
Vehicle Theft Rates
San Francisco Police recorded 4,875 vehicle thefts in 2017. This is a rate of 5.51 per 1,000 residents.
Car Insurance Discounts
Are you looking for affordable car insurance? Discounts are a great way to lower your rates. Below are some of the auto insurance discounts available to drivers in San Francisco, CA.
- San Francisco has a huge problem with car theft. Having anti-theft devices installed in your vehicle can earn you a good discount.
- Electric vehicles are becoming popular in San Francisco. If you own an EV or another alternative fuel vehicle, you may qualify for lower rates.
- If you’re married, insurers often have a discount just for you.
- San Francisco falls short on good driving. Our study found San Francisco is the fifth worst driving city in the country. If you’re one of the few drivers with a clean record, you may qualify for an accident free discount.
- Bundling your auto insurance with a life, home, or renters policy is a great way to save up to 15 percent on your insurance bill.
Car insurance agents near San Francisco:
San Bruno, CA 94066
As your personal insurance agent, my goal is to help you with all your insurance needs and to provide you with the best coverage and protection for your specific needs.
- San Francisco Transportation Fact Sheet
- Superior Court of California - County of San Francisco
- San Francisco California Crime Rates
- United States Census Bureau - San Francisco, California
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