The average San Franciscan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in San Francisco
Click below to get free quotes in seconds!Start Saving Now!
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.
Be Prepared For
Driving in San Fran
Major HighwaysI-80 U.S. 101 I-280
Toll RoadsGolden Gate Bridge
San Francisco Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in San Francisco
Find Local San Francisco Agents
Jackson Square Insurance Associates, Inc.
802 Montgomery Street, 2nd Floor San Francisco, CA 94133
BB&T Insurance Services of California, Inc.
300 Montgomery Street, Suite 200B San Francisco, CA 94101
ISU Insurance Services - Centinel Agency, LLC
150 Executive Park Blvd Ste 4800 San Francisco, CA 94134
Statewide Professional Insurance Agency
2030 Union St #202 San Francisco, CA 94123
RiskGuard Insurance Solutions Inc
422 Presidio Ave San Francisco, CA 94115
Pennbrook Insurance Services, Inc.
300 Montgomery St #450 San Francisco, CA 94104
Heffernan Insurance Brokers
188 Spear Street, Suite 550 San Francisco, CA 94105
Sweet & Baker Insurance Brokers
44 Second Street San Francisco, CA 94105
Calender-Robinson Co., Inc.
300 Montgomery St #888 San Francisco, CA 94104
Norbert Cronin & Co
582 Market St #1104 San Francisco, CA 94104
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
Woodruff-Sawyer & Co
50 California Street, Floor 12 San Francisco, CA 94111
Lee Wong & Leong Inc
566 Commercial St San Francisco, CA 94111
Barulich Insurance Agency
Pier 29 Annex The Embarcadero San Francisco, CA 94111
OnMarket Insurance Associates
1857 Market Street San Francisco, CA 94103
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
Two Embarcadero Center Ste 1700 San Francisco, CA 94111
Arthur J Gallagher & Co
One Market Plaza, Floor 2 San Francisco, CA 94105
Not sure about San Francisco
Check out these other California cities...
San Francisco Car Insurance
5 Winter Driving Hacks & Habits That Are Actually Illegal
As nice as drinking hot beverages and sitting by the fire can be, winter definitely has its downsides, and driving...
7 Spooky Halloween Road Trips to Creep You Out
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
How to Protect Yourself and Your Home Against Wildfires
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Ask the Experts: Credit Score vs. Credit Report (and More)
Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...
Smart Cities: How the Internet of Things is Changing Urban Areas
A trend is spreading in cities all across the world: every day, more and more people just keep moving in....
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Zipcar vs. car2go: Which Car Sharing Service is King?
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
Driverless Car Report Card: Who Should Get Top Grades?
The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...
Driverless Car Laws by State
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
It’s officially tax season which of course means a lot of paperwork, searching for receipts, and trying not to toss...
The Death of the Taxi Driver (Profession)
There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
When Is It Worth It to Pay for More Liability Coverage?
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
How Long Does a Ticket Stay on Your Driving Record?
We’ll start with the bad news: your driving record is forever. Any conviction for a speeding ticket or other moving...
What’s the Most Expensive Traffic Ticket in Your State?
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Are School Buses Even Safe?
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
Should the Government Require Regular Driving Tests?
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
Driver’s License Points: Do They Matter?
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
50 Research-Based Tips to Save on Car Insurance
Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...
Answering Every FAQ About Driverless Cars
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...
Bow-OW! Do You Need Car Insurance for Your Pet?
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Can Driverless Cars Handle the Elements?
Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...
The Wrath of El Niño
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...