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.
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.
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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.
|5||AAA of Northern California||$2,418|
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.
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.
|6||AAA of Northern California||$4,915|
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.
|3||AAA of Northern California||$3,056|
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.
|6||AAA of Northern California||$8,705|
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.
|7||AAA of Northern California||$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.
|5||AAA of Northern California||$1,705|
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.
Minimum coverage annual cost
Full coverage annual cost
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.
Motor vehicle theft
Car thefts in 2019 per 1,000 residents
Motor vehicle theft data was pulled from the FBI 2019 California crime report.
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:
|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.