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

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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 Zip Codes

94139   94137   94134   94102   94124  

Cheap Zip Codes

94128   94123   94131   94114   94127  

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

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

Pennbrook Insurance Services, Inc.

300 Montgomery St #450 San Francisco, CA 94104

Woodruff-Sawyer & Co

50 California Street, Floor 12 San Francisco, CA 94111

BB&T Insurance Services of California, Inc.

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