Who Has The Cheapest Auto Insurance Quotes in San Francisco, CA?

Who Has The Cheapest Auto Insurance Quotes in San Francisco, CA?

Find Cheap Auto Insurance Quotes in San Francisco

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The cheapest price for car insurance in San Francisco, California, is $425 per year for a state-minimum policy, or $1,446 for full coverage.

Geico has the best rates for most drivers for both full and minimum coverage.

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Every driver will find different rates depending on their driving history, what kind of car they own and where they live, so we always recommend getting several quotes to find the best rates for you.


Cheapest auto insurance in San Francisco: Geico

For San Francisco drivers looking for an affordable price on California state minimum coverage, we recommend Geico. At an average cost of just $425 per year (or $35 per month), it's the most affordable option for basic protection.

Progressive also offered rates below $500 per year. Both were substantially lower than the city average of $688 annually.

Cheapest car insurance companies in San Francisco, California.

Compare Car Insurance Rates in San Francisco

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Rank
Company
Annual rate
1Geico$425
2Progressive$497
3AAA NorCal$534
4Mercury$645
5State Farm$702
6Farmers$992
7Allstate$1,021

Cheapest full coverage car insurance in San Francisco: Geico

Drivers who want or need full coverage for their car should take a look at Geico. At $1,446, it had the most affordable full coverage policy by $305 per year, and was 31% cheaper than the typical price we found across all insurers.

Rank
Company
Annual rate
1Geico$1,446
2Progressive$1,751
3Mercury$1,841
4State Farm$2,081
5AAA NorCal$2,418
6Allstate$2,568
7Farmers$2,607

Besides all legally required coverages, full coverage also includes comprehensive and collision.

  • Comprehensive coverage: Pays for damage to your car that's caused by something besides a crash, such as hail or theft.
  • Collision coverage: Pays for damage to your car as a result of a crash, no matter who was at fault.
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Cheap car insurance for drivers with prior incidents

Car insurance companies try to determine how likely you are to make a claim when they set insurance rates. One major indicator is whether you have a prior incident on your driving record, like an at-fault accident or speeding ticket.

Cheapest car insurance in San Francisco after an accident: Geico

One of the most common causes of increasing insurance rates is having been at fault in a car crash. On average, a San Francisco driver can expect to pay 101% more after a crash than a driver with a clean record.

The most affordable option for drivers after a crash is Geico. It offered rates of $2,627 per year for full coverage. While that's still a $1,200 increase when compared to its rates without a crash, other insurers raised rates even more.

Rank
Company
Annual rate
1Geico$2,627
2Mercury$2,769
3Progressive$3,611
4State Farm$4,131
5Farmers$4,581
6AAA NorCal$4,915
7Allstate$6,951

Cheapest car insurance for people with a speeding ticket: Geico

Speeding tickets indicate a willingness to take risks behind the wheel, and insurers will almost always raise your rates for insurance after you get one.

We found that Geico had the lowest prices for full coverage insurance after a speeding ticket in San Francisco, with a typical price of $2,257. That's $850 less expensive than the average across all the insurers we looked at.

Rank
Company
Annual rate
1Geico$2,257
2Mercury$2,439
3AAA NorCal$3,056
4State Farm$3,197
5Progressive$3,365
6Farmers$3,665
7Allstate$3,765

Cheapest car insurance for drivers with a DUI: Mercury

Driving a car while you're drunk or intoxicated is one of the most serious driving offenses, and you're likely to see a big increase in your car insurance rates if you're convicted of driving under the influence. The typical full coverage quote after a DUI in San Francisco is $5,949 — almost three times as expensive as what you'll pay with a clean record.

Mercury Insurance has the best price for San Francisco drivers with a DUI conviction; it charged our sample driver $3,049 per year. That's about half the average and $572 less expensive than Geico, the second-cheapest option.

Rank
Company
Annual rate
1Mercury$3,049
2Geico$3,621
3Progressive$4,200
4Farmers$4,581
5State Farm$7,320
6AAA NorCal$8,705
7Allstate$10,165

Cheapest car insurance for married drivers: Geico

Insurance companies often give married drivers a discount because they're less likely to get in an accident. Of the companies we looked at in San Francisco, Geico had the best discount overall with a typical rate of $1,236 for a full coverage policy. That's $210 less than what Geico charged for a single driver, and 36% cheaper than the average rate for a married person.

Note that married drivers may save even more by bundling multiple drivers or multiple cars into a single policy; we didn't factor these savings into our calculations.

Rank
Company
Annual rate
1Geico$1,236
2Progressive$1,375
3Mercury$1,633
4State Farm$2,081
5Allstate$2,309
6Farmers$2,391
7AAA NorCal$2,418

Cheapest car insurance for young drivers: Geico

Younger drivers are among the most expensive to insure because they're inexperienced behind the wheel and may not be as good at evaluating risk as an older driver.

We found that Geico had the best quotes for a minimum coverage policy for an 18-year-old in San Francisco, with a typical rate of just $1,275 per year. That represents a 200% increase from what a 30-year-old would pay, but it's still about $500 cheaper per year than the average across all the insurers we looked at.

Rank
Company
Annual rate
1Geico$1,275
2State Farm$1,349
3Progressive$1,457
4Mercury$1,594
5AAA NorCal$1,705
6Farmers$2,268
7Allstate$2,807

Two ways younger drivers can save money on their car insurance are by sharing a policy with a parent and by qualifying for a good student discount.


Best auto insurance companies in San Francisco, California

We always recommend looking for the best rates you can find for car insurance, but that isn't the whole picture — finding an insurer that has great customer service is just as important.

In our national survey of car insurance satisfaction, we found that State Farm, Allstate and Farmers Insurance had the best-reviewed customer service when it came to claims and general customer service.

For a detailed breakdown of the best-reviewed insurance companies statewide, take a look at our review of California insurance companies.

Average car insurance cost in San Francisco, by neighborhood

One major contributor to the cost of car insurance is where you live. For example, you might pay more for car insurance if you live in an area with a lot of car theft.

We found a price range of $618 between ZIP codes in San Francisco for a full coverage policy, and a range of $221 for minimum coverage. See the full breakdown below.

ZIP code
Minimum coverage annual cost
Full coverage annual cost
94102$799$2,381
94103$687$2,135
94104$717$2,272
94105$653$2,141
94107$623$1,974
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Auto theft statistics in San Francisco

As a major city in California, San Francisco does have a fair amount of car theft, though a moderate amount when compared to other large cities. There were 4.8 cars stolen per 1,000 residents in 2019; that's more than in Los Angeles or San Diego but far fewer than in Oakland or Bakersfield.

Theft rank
City
Population
Motor vehicle theft
Car thefts in 2019 per 1,000 residents
1Oakland434,0365,04111.6
2Bakersfield388,0802,9097.5
3San Jose1,040,0086,1265.9
4Sacramento513,9342,7175.3
5Long Beach467,9742,3585.0
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Motor vehicle theft data was pulled from the FBI 2019 California crime report.

Methodology

We collected data from seven of the largest insurers in California. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a minimum coverage policy.

In instances where our sample driver was comparing rates for a full coverage policy, the following limitations were used:

Type
California minimum
Full coverage
Bodily injury (BI) liability$15,000 per person/$30,000 per accident$50,000 per person/$100,000 per accident
Property damage (PD) liability$5,000 per accident$50,000 per accident
Uninsured/underinsured motorist BI$50,000 per person/$100,000 per accident
Uninsured/underinsured motorist PD$50,000 per accident
Comprehensive and collision$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Our statewide analysis of California insurance rates included both AAA of Northern California and AAA of Southern California. However, AAA of Southern California doesn't offer insurance to San Francisco residents, so we removed it from city averages and rankings.

Source:

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.