Car Insurance in San Francisco

Premiums in San Francisco are $283 greater than California's average, which is why the city is recognized for its pricey premiums, so in San Francisco, it is vital to cut costs while insuring a vehicle. Going over some tips below about how to save on San Francisco car insurance can save you some hard-earned money.

San Francisco Car Insurance by Gender and Marital Status

In San Francisco, both gender and marital status impact your car insurance premiums. However, premiums are barely cheaper for men than for women. Men normally pay $1 less than women every year for insurance. Being single can cost you roughly $90 more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single.

San Francisco Car Insurance by Age

In San Francisco, when drivers reach their 20s, therefore moving out of the teenage age bracket, they pay $4,633 less in premiums. You will not see a larger difference between any other age group. The first time drivers can expect their age to trigger an increase in insurance rates is when they turn 70. With typical rates of $7,586, teenage drivers pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest premiums among any age group, with rates of $1,710/year. However, those in their 50s ($1,754) have premiums that aren't much higher.

San Francisco Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,676 is the extra cost per year for drivers with a DUI or reckless driving violation in San Francisco, compared to the city average of $1,996. If you are found at-fault in an accident in San Francisco, expect your yearly car insurance premiums to rise by 58%.

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.

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

Find Local San Francisco Agents

Woodruff-Sawyer & Co

50 California Street, Floor 12 San Francisco, CA 94111

ISU Insurance Services - Centinel Agency, LLC

150 Executive Park Blvd Ste 4800 San Francisco, CA 94134

Calender-Robinson Co., Inc.

300 Montgomery St #888 San Francisco, CA 94104


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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