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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 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 auto 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.

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.

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.

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.

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.

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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in San Fran

Major Highways
I-80 U.S. 101 I-280
Toll Roads
Golden Gate Bridge
Popular Day Trips
Napa Valley Half Moon Bay Point Reyes

San Francisco Car Insurance Companies Near Me

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local San Francisco Agents

Pennbrook Insurance Services, Inc.

300 Montgomery St #450, San Francisco, CA 94104

Arthur J Gallagher & Co

One Market Plaza, Floor 2, San Francisco, CA 94105

HUB International Insurance Services Inc.

180 Sutter Street, Suite 400, San Francisco, CA 94111

BB&T Insurance Services of California, Inc.

300 Montgomery Street, Suite 200B, San Francisco, CA 94101

Calender-Robinson Co., Inc.

300 Montgomery St #888, San Francisco, CA 94104

Heffernan Insurance Brokers

188 Spear Street, Suite 550, San Francisco, CA 94105

OnMarket Insurance Associates

1857 Market Street, San Francisco, CA 94103

Jackson Square Insurance Associates, Inc.

802 Montgomery Street, 2nd Floor, San Francisco, CA 94133

RiskGuard Insurance Solutions Inc

422 Presidio Ave, San Francisco, CA 94115

Lockton Companies

Two Embarcadero Center Ste 1700, San Francisco, CA 94111

Woodruff-Sawyer & Co

50 California Street, Floor 12, San Francisco, CA 94111

Barulich Insurance Agency

Pier 29 Annex The Embarcadero, San Francisco, CA 94111

Fort Point Insurance Services, A Division of Hub International Insurance Services Inc.

3 Embarcadero Center, Suite 560, San Francisco, CA 94111

Visual Media Alliance Insurance Services

665 Third St, #500, San Francisco, CA 94107

Sweet & Baker Insurance Brokers

44 Second Street, San Francisco, CA 94105

MOC Insurance Services

44 Montgomery St, Ste 1700, San Francisco, CA 94104

Statewide Professional Insurance Agency

2030 Union St #202, San Francisco, CA 94123

ISU Insurance Services - Centinel Agency, LLC

150 Executive Park Blvd Ste 4800, San Francisco, CA 94134

Norbert Cronin & Co

582 Market St #1104, San Francisco, CA 94104

Lee Wong & Leong Inc

566 Commercial St, San Francisco, CA 94111


The average San Franciscan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 87 bowls of ramen or $696 in savings

See How Much You Can Save in San Francisco

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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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • 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.