How much does auto insurance cost in San Francisco?
The average cost of car insurance in San Francisco, California, is $2,257 per year. That's more expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in San Francisco.
SAN FRANCISCO AUTO INSURANCE RATES
| San Francisco Average (annual) | California Average | National Average |
| $2,257 | $1,868 | $1,548 |
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San Francisco car insurance rates by insurer
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In San Francisco, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in San Francisco. Don't forget to look at car insurance quotes based on your driving profile.
SAN FRANCISCO CAR INSURANCE PREMIUMS BY COMPANY
| Insurance Company | Average Yearly Rate |
| GEICO | $1,293 |
| Mercury | $1,780 |
| AAA | $1,846 |
| State Farm | $2,149 |
| Alliance | $2,387 |
Read our guide to finding the best cheap auto insurance.
Auto insurance premiums by age in San Francisco
The age group that pays the least for car insurance in San Francisco are drivers in their 50s ($2,031per year). Rates for San Francisco drivers in their 60s are also relatively affordable, at just $2,034 per year.
The San Francisco drivers who pay the highest insurance rates are teenagers. When San Francisco drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in San Francisco is $5,145, the largest such difference between any two age groups.
CAR INSURANCE RATES BY AGE TIER IN SAN FRANCISCO
| Age tier | Average Annual Rate |
| Teens | $8,518 |
| 20s | $3,372 |
| 30s | $2,196 |
| 40s | $2,124 |
| 50s | $2,031 |
| 60s | $2,034 |
| 70s | $2,386 |
Learn more about how age influences auto insurance rates.
San Francisco car insurance rates by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in San Francisco pay $98 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in San Francisco, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In San Francisco, female drivers pay $3 per year more than do male drivers for car insurance.
SAN FRANCISCO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
| Gender/Marital Status | Average Yearly Rate |
| Female | $2,260 |
| Male | $2,257 |
| Single | $2,159 |
| Married | $2,159 |
| Divorced | $2,257 |
| Widowed | $2,198 |
Read more about the relationships between gender, marital status and insurance rates.
San Francisco car insurance costs by accident and violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
San Francisco drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,765 per year versus the city average. A ticket for speeding results in a $913 rate hike while a DWI or DUI violation costs $3,601per year in extra insurance expenditures.
SAN FRANCISCO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
| Citation | Average Annual Rate |
| DWI/DUI | $5,858 |
| Reckless Driving | $6,022 |
| At-fault Accident (damages < $1,000) | $2,269 |
| At-fault Accident (damages > $2,000) | $3,999 |
| Speeding Ticket (16-20 mph over speed limit) | $3,170 |
Get more info on how a bad driving history can impact your car insurance costs.
San Francisco car insurance rates by credit tier
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In San Francisco, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 0% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In San Francisco, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.
SAN FRANCISCO CAR INSURANCE RATES BY CREDIT TIER
| Credit Tier | Average Rate (annual) |
| Very Poor | $2,257 |
| Fair | $2,257 |
| Good | $2,257 |
| Very Good | $2,257 |
| Exceptional | $2,257 |
Get additional information on how credit impacts car insurance costs.
What drives up car insurance rates in San Francisco?
Where you live in San Francisco affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Francisco is no exception to the rule. From ZIP code 94128 to 94124, premiums rise by 19 percent—that’s $295.
Expensive San Francisco ZIP codes: 94139, 94137, 94134, 94102, 94124
Cheap San Francisco ZIP codes: 94128, 94123, 94131, 94114, 94127
San Francisco Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In San Francisco, you can expect 68 rainy days with an annual rainfall of 20.7 inches. San Francisco is also known to experience earthquakes and wildfires.
68
Rainy Days a Year
21"
Avg. Annual Rainfall
0"
Avg. Annual Snowfall
Be Prepared For
Driving in San Fran
Major Highways
I-80 U.S. 101 I-280Toll Roads
Golden Gate BridgePopular Day Trips
Napa Valley Half Moon Bay Point ReyesCar Insurance Companies in San Francisco
Find Local San Francisco Agents
ISU Insurance Services - Centinel Agency, LLC
150 Executive Park Blvd Ste 4800, San Francisco, CA 94134
Pennbrook Insurance Services, Inc.
300 Montgomery St #450, San Francisco, CA 94104
BB&T Insurance Services of California, Inc.
300 Montgomery Street, Suite 200B, San Francisco, CA 94101
Statewide Professional Insurance Agency
2030 Union St #202, San Francisco, CA 94123
Woodruff-Sawyer & Co
50 California Street, Floor 12, San Francisco, CA 94111
Lee Wong & Leong Inc
566 Commercial St, San Francisco, CA 94111
OnMarket Insurance Associates
1857 Market Street, San Francisco, CA 94103
Barulich Insurance Agency
Pier 29 Annex The Embarcadero, San Francisco, CA 94111
Heffernan Insurance Brokers
188 Spear Street, Suite 550, San Francisco, CA 94105
Jackson Square Insurance Associates, Inc.
802 Montgomery Street, 2nd Floor, San Francisco, CA 94133
Norbert Cronin & Co
582 Market St #1104, San Francisco, CA 94104
Sweet & Baker Insurance Brokers
44 Second Street, San Francisco, CA 94105
Arthur J Gallagher & Co
One Market Plaza, Floor 2, San Francisco, CA 94105
Calender-Robinson Co., Inc.
300 Montgomery St #888, San Francisco, CA 94104
RiskGuard Insurance Solutions Inc
422 Presidio Ave, San Francisco, CA 94115
MOC Insurance Services
44 Montgomery St, Ste 1700, San Francisco, CA 94104
HUB International Insurance Services Inc.
180 Sutter Street, Suite 400, San Francisco, CA 94111
Lockton Companies
Two Embarcadero Center Ste 1700, San Francisco, CA 94111
Visual Media Alliance Insurance Services
665 Third St, #500, San Francisco, CA 94107
Fort Point Insurance Services, A Division of Hub International Insurance Services Inc.
3 Embarcadero Center, Suite 560, San Francisco, CA 94111
$1,739
The average San Franciscan's annual cost of coverage
40%
Our customer's average savings after comparing insurance
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
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The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
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The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
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The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.