Auto insurance costs an average of $179 per month in Daly City. If you're paying too much, compare rates and save.
The average cost of auto insurance in Daly City is $2,160 per year. That's more than the average rate in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Daly City.
| Daly City Average (annual) | California Average | United States Average |
| $2,160 | $1,868 | $1,548 |
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the insurer from which you receive the most affordable quote. In Daly City, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Daly City. Remember to get car insurance quotes based on your driving profile.
| Company | Average Annual Rate |
| GEICO | $1,264 |
| AAA | $1,694 |
| Mercury | $1,800 |
| State Farm | $2,037 |
| CSAA | $2,299 |
Consult our expert guide to finding the best cheap car insurance.
Daly City drivers in their 50s pay relatively affordable car insurance rates just $1,947 each year, on average. Rates for Daly City drivers in their 60s are also relatively affordable, at just $1,959 per year.
Teen drivers pay Daly City's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Daly City is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Daly City is $4,200, the largest such difference between any two age brackets.
| Age group | Average Yearly Rate |
| Teens | $7,278 |
| 20s | $3,078 |
| 30s | $2,101 |
| 40s | $2,045 |
| 50s | $1,947 |
| 60s | $1,959 |
| 70s | $2,265 |
Learn more about the impact of age on auto insurance rates.
Marital status and gender can play roles in how car insurance companies set rates, in some cases. Married drivers usually pay less for car insurance than single drivers. In Daly City, married motorists pay $88 less than single drivers for auto insurance.
Gender is another factor that can influence auto insurance rates. In Daly City, female drivers pay $7 per year more than do male drivers.
| Marital Status/Gender | Average Annual Rate |
| Female | $2,167 |
| Male | $2,160 |
| Single | $2,160 |
| Married | $2,072 |
| Divorced | $2,160 |
| Widowed | $2,104 |
Discover more about how gender and marital status have on insurance rates.
Maintaining a clean driving record is a goodway to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Daly City, a reckless driving citation results in an average insurance rate increase of $3,568 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,419 increase, and a speeding ticket brings about an $877 rate hike.
| Violation | Average Annual Rate |
| DWI/DUI | $5,579 |
| Reckless Driving | $5,728 |
| At-fault Accident (damages less than $1,000) | $2,172 |
| At-fault Accident (damages > $2,000) | $3,837 |
| Speeding Ticket (16-20 mph over speed limit) | $3,037 |
Learn more about how citations can raise your auto insurance rates.
California is one of several U.S. states that does not allow insurance companies to use credit score as a determinant of rates.