The average cost of full coverage car insurance in San Francisco is $2,194 per year, which is $216 more than the average cost of car insurance in California, which is $1,978. Auto insurance rates in San Francisco are a little bit higher than the state average, but there are still ways you can save money on your car insurance.
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The most effective way to save money on car insurance is by comparing rates between multiple companies. Our experts at Policygenius can help you compare quotes to find the right coverage for you.
Wawanesa has the lowest average rate for full coverage in San Francisco
The cheapest ZIP code in San Francisco is 94128 at $1,005
California’s state minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property damage liability
There are many factors that can impact your insurance rates, including:
Which insurance company you choose
Each insurance company has their own system for setting rates, which means two companies can offer different rates for the same coverage. This is why choosing the right insurance company can have such a big impact on your rates.
Insurance companies determine how much to charge in a specific ZIP code based on the number of accidents, traffic tickets, and car thefts in the area. They also use other factors, such as access to secure parking options, when determining how to set the rates for a ZIP code.
Population density is a big factor when setting rates by ZIP code, which means San Francisco residents will likely be charged much more than drivers in cities with fewer people.
Below are the average rates based on ZIP code in San Francisco.
The best car insurance policy is the one that meets your needs, which means the best insurance company in San Francisco is distinct to you. Our insurance experts at Policygenius can help you find the right policy at the right price.
One of the most common pieces of advice for keeping your insurance costs low is to keep your driving record clean. This is because having a car accident or a moving violation on your driving record can cause your rates to increase, sometimes significantly. The best and most effective way to save money on your car insurance is to keep your driving record clean.
Though there are some states that allow insurance companies to use your credit score when determining your rate, California isn’t one of them. The Golden State has laws in place that prevent insurance companies from determining your rates based on your credit score, which means that even if your credit score changes over time, your insurance rates won’t be impacted by it.
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California laws require drivers in every city to carry some type of liability insurance, including:
Cash deposit of $35,000 with DMV
DMV-issued self-insurance certificate
Surety bond for $35,000 from a company licensed to do business in California
Motor vehicle liability insurance policy
Of these options, most people choose to carry the state minimum levels of liability insurance, which are:
$15,000 per person/$30,000 per accident for bodily injury liability
$5,000 for property damage liability
Unfortunately, the minimum insurance requirements in California are low, which means it is possible to be in an accident that exceeds the limits of your coverage if you only purchase the required minimum insurance. Choosing the highest levels of liability insurance that you can afford is the most effective way to make sure you are financially protected in the event of an at-fault accident. Drivers who can’t afford to repair or replace a vehicle out-of-pocket should also carry comprehensive and collision insurance.
There are a variety of discounts available to drivers in San Francisco, including:
Safe driver discount
Accident free discount
Low mileage discount
Good student discount
If a discounted rate still isn’t low enough, you may be eligible for California’s Low Cost Auto Insurance program.
Insurance companies typically charge higher rates in areas with large, dense populations. They also charge more in areas with higher rates of accidents, car thefts, and other issues that are more common in large cities. This means that car insurance in San Francisco is likely to be more expensive than it is in smaller, more rural areas.
The state of California made it illegal for insurance companies to base your rates on gender, which means your gender should have no impact on how much you pay for insurance. Several other states have passed similar laws, including Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.
According to our data, Wawanesa offers the lowest average rates in California. However, just because they have the most affordable coverage doesn’t mean it will meet your needs. It is important to compare quotes from multiple companies to find the right insurance coverage for you.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.