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 AverageNational 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 get car insurance quotes based on your driving profile.


SAN FRANCISCO CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage 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 tierAverage 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 StatusAverage 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
CitationAverage 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 TierAverage 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

2
Major Highways
I-80 U.S. 101 I-280
2
Toll Roads
Golden Gate Bridge
2
Popular Day Trips
Napa Valley Half Moon Bay Point Reyes

Car Insurance Companies in San Francisco

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

Find Local San Francisco Agents

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

3 Embarcadero Center, Suite 560, 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

Statewide Professional Insurance Agency

2030 Union St #202, San Francisco, CA 94123

OnMarket Insurance Associates

1857 Market Street, San Francisco, CA 94103

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

Norbert Cronin & Co

582 Market St #1104, San Francisco, CA 94104

Lee Wong & Leong Inc

566 Commercial St, San Francisco, CA 94111

Arthur J Gallagher & Co

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

Sweet & Baker Insurance Brokers

44 Second Street, San Francisco, CA 94105

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

MOC Insurance Services

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

RiskGuard Insurance Solutions Inc

422 Presidio Ave, San Francisco, CA 94115

BB&T Insurance Services of California, Inc.

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

HUB International Insurance Services Inc.

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

Calender-Robinson Co., Inc.

300 Montgomery St #888, San Francisco, CA 94104

Visual Media Alliance Insurance Services

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

2

$1,739

The average San Franciscan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

87

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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Recent Questions:

San Francisco Car Insurance

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.

Is there roadside assistance options for my house?

This can depend. AAA does provide home locksmith options if you're a premier member up to $100.

Can a parent be forced to pay car insurance for adult children?

You should be able to exclude your adult children that are not driving the vehicle. However, every car insurance company has their own restrictions.

I'm a high risk driver and can't find insurance

If you're a high-risk driver, your best bet is to shop as many companies as possible (see here). As every company has their own risk assessment department, they will view your driving record differently.