How Much Does Car Insurance Cost in San Francisco?
Premiums in San Francisco exceed the state average by 17%, which is why the city is known for its costly premiums, so in San Francisco, it is imperative to cut costs while insuring a vehicle. Who doesn't like saving money? Check out some ways to save on car insurance in San Francisco.
CAR INSURANCE COSTS: SAN FRANCISCO VS. US/STATE AVERAGES
|City Average||State Average||National Average|
San Francisco Auto Insurance Premiums by Driver Age
With typical car insurance payments of $7,586, teenage drivers have the biggest premiums amongst all the age groups. Drivers in their 60s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,710 annually. Those in their 50s ($1,754) aren’t paying much more. When San Francisco drivers hit their 20s, therefore moving out of the teenage age bracket, they can save $4,633, which is the largest gap you'll see between any age group. Car insurance premiums for drivers continue to decline through their 60s, but they can expect to pay more when they turn 70.
SAN FRANCISCO AUTO INSURANCE RATES BY AGE
San Francisco Car Insurance After Accidents or Violations
Do you have an accident or violation on your record? That can cost you in terms of prices on car insurance. Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates after one. If you are found at-fault in an accident in San Francisco, you can expect your yearly car insurance premiums to rise by $1,157. In general, a DUI or reckless driving violation in San Francisco will cost you 184% more in car insurance premiums versus the city average ($1,996).
AVERAGE SAN FRANCISCO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$3,153|
|At-fault Accident (damages greater than $2,000)||$3,153|
|Speeding Ticket (16-20 mph over speed limit)||$2,727|
San Francisco Auto Insurance by Marital Status and Gender
Car insurance premiums in San Francisco can be affected by marital status as well as gender. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married, as opposed to single, can save you roughly $90 per year on car insurance. Premiums for men and women typically vary slightly, with men paying less.
SAN FRANCISCO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.
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 & 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
Be Prepared For
Driving in San Fran
Major HighwaysI-80 U.S. 101 I-280
Toll RoadsGolden Gate Bridge
Find Local San Francisco Agents
Pennbrook Insurance Services, Inc.
300 Montgomery St #450 San Francisco, CA 94104
Two Embarcadero Center Ste 1700 San Francisco, CA 94111
Arthur J Gallagher & Co
One Market Plaza, Floor 2 San Francisco, CA 94105
Fort Point Insurance Services, A Division of Hub International Insurance Services Inc.
3 Embarcadero Center, Suite 560 San Francisco, CA 94111
Woodruff-Sawyer & Co
50 California Street, Floor 12 San Francisco, CA 94111
Jackson Square Insurance Associates, Inc.
802 Montgomery Street, 2nd Floor San Francisco, CA 94133
Heffernan Insurance Brokers
188 Spear Street, Suite 550 San Francisco, CA 94105
MOC Insurance Services
44 Montgomery St, Ste 1700 San Francisco, CA 94104
OnMarket Insurance Associates
1857 Market Street San Francisco, CA 94103
Calender-Robinson Co., Inc.
300 Montgomery St #888 San Francisco, CA 94104
HUB International Insurance Services Inc.
180 Sutter Street, Suite 400 San Francisco, CA 94111
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
Norbert Cronin & Co
582 Market St #1104 San Francisco, CA 94104
Lee Wong & Leong Inc
566 Commercial St San Francisco, CA 94111
Visual Media Alliance Insurance Services
665 Third St, #500 San Francisco, CA 94107
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
RiskGuard Insurance Solutions Inc
422 Presidio Ave San Francisco, CA 94115
Barulich Insurance Agency
Pier 29 Annex The Embarcadero San Francisco, CA 94111
The average San Franciscan's annual cost of coverage
Our customer's average savings after comparing insurance
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San Francisco Car Insurance
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