How Much Does Auto Insurance Cost in San Francisco?

Premiums in California, which surpass the national average by $179, are known for being expensive. Like many things in San Francisco, insurance premiums run even higher to insure your vehicle in the city. While it may seem like an assault on your pocketbook, if you plan on driving in California, it is required that you carry liability insurance at the very least. This coverage protects you in the event a crash causes property damage or bodily injury.

However, there are ways to bring your car insurance rates down. Understanding how an insurance company figures the cost of your insurance policy is critical. Review our ways to find cheap car insurance in San Francisco and save some hard-earned money.

City AverageState AverageNational Average

San Francisco Auto Insurance Rates by Age

One of the many factors that an insurance company will take into account when putting your policy together is how old you are. While there's not a lot that you can do about your age, it's important to know how it impacts the cost of your coverage. So which age groups do car insurance companies see as the safest bet and which ones are the biggest liability?

Among all age groups, drivers in their 70s have the lowest premiums, with rates of $1,766/year. However, those in their 60s and 50s aren't paying that much more, with premiums of $1,805 and $1,852, respectively. With car insurance payments of $7,861 on average, teenage drivers have the biggest premiums of any age group. The biggest dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in San Francisco start paying 61% less in premiums. The downward movement continues, as the older drivers get, the more their car insurance rates in San Francisco will decrease.

AgeAverage Rate

San Francisco Car Insurance for Drivers With At-Fault Accidents or Violations

One key indicator of how much you will pay for car insurance stems from your driving record. If you have a spotty driving history filled with accidents and brushes with the law, low-cost car insurance can be hard to find. By knowing which driving mishaps can balloon the cost of insurance premiums, you can make better decisions and save money.

In San Francisco, drivers with either a DUI or reckless driving violation need to spend nearly triple the average for the city to insure their vehicle. The amount of damage caused by an accident plays a role in how much more you will pay for your car insurance policy. For individuals in San Francisco with at-fault accidents in which damages exceeded $2,000, rates are an average of 64% more than at-fault accidents with damages less than $1,000.

Incident/ViolationAverage Insurance Rate
Reckless Driving$5,906
At-fault Accident (damages less than $1,000)$2,102
At-fault Accident (damages greater than $2,000)$3,445
Speeding Ticket (16-20 mph over speed limit)$2,859

San Francisco Auto Insurance by Marital Status

Marital status is among the many motorist attributes that can have an effect on car insurance costs in San Francisco. You can save approximately $90 per year if you're married as opposed to single or divorced. Car insurance companies see those who are married as more responsible and less of a liability. Those who are widowed can find moderately cheaper car insurance rates than those who are single.

Marital StatusAverage Rate

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when care insurance companies determine how much you'll pay for auto insurance each year.

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

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

Calender-Robinson Co., Inc.

300 Montgomery St #888 San Francisco, CA 94104

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

Sweet & Baker Insurance Brokers

44 Second Street San Francisco, CA 94105

MOC Insurance Services

44 Montgomery St, Ste 1700 San Francisco, CA 94104

Heffernan Insurance Brokers

188 Spear Street, Suite 550 San Francisco, CA 94105

Pennbrook Insurance Services, Inc.

300 Montgomery St #450 San Francisco, CA 94104

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

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

Visual Media Alliance Insurance Services

665 Third St, #500 San Francisco, CA 94107

Lee Wong & Leong Inc

566 Commercial St San Francisco, CA 94111

Arthur J Gallagher & Co

One Market Plaza, Floor 2 San Francisco, CA 94105

Lockton Companies

Two Embarcadero Center Ste 1700 San Francisco, CA 94111

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

Barulich Insurance Agency

Pier 29 Annex The Embarcadero San Francisco, CA 94111

OnMarket Insurance Associates

1857 Market Street San Francisco, CA 94103



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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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.