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 AverageState AverageNational Average
$1,996$1,713$1,427


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
AgeAverage Rate
Teenagers$7,586
20s$2,953
30s$1,959
40s$1,895
50s$1,754
60s$1,710
70s$1,908


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 ViolationAverage Insurance Rate
DUI/DWI$5,672
Reckless Driving$5,672
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/GenderAverage Rate
Female$1,997
Male$1,996
Single$1,996
Married$1,907
Divorced$1,996
Widowed$1,915


* 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.


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.

68

Rainy Days a Year

21"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Car Insurance Companies in San Francisco

Find Local San Francisco Agents

HUB International Insurance Services Inc.

180 Sutter Street, Suite 400 San Francisco, CA 94111

BB&T Insurance Services of California, Inc.

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

Lockton Companies

Two Embarcadero Center Ste 1700 San Francisco, CA 94111

$1,739

The average San Franciscan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

87

That's equal to 87 bowls of ramen or $696 in savings

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