Get Car Insurance Quotes in San Francisco, CA

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

Jump to:

• Company
• Age group
• Marital status/gender
• Driving history
• Credit score

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.

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