Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions can increase your risk as a driver and cause your car insurance rates to go up for three to five years. Drivers with these types of violations on their records typically pay much higher premiums than drivers with clean driving records. Here are the average monthly quotes for people with marks on their driving record.
Cheapest car insurance for drivers with a speeding ticket
Speeding reduces the amount of time you have to react to dangerous situations and, in turn, increases the risk of accidents. San Francisco reported 434 speed-related injuries and fatalities in car crashes in 2020.[5] So having a speeding ticket on your record in San Francisco signals to insurers that you’re a risky driver, which leads to more expensive car insurance.
San Francisco drivers with speeding tickets see average car insurance rates of $336 per month for full coverage and $199 for minimum coverage. The table below highlights the cheapest car insurance policies for San Francisco drivers with speeding tickets.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
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Mile Auto | 182 | 98 |
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Mercury | 248 | 133 |
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Safeco | 248 | 138 |
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USAA | 293 | 137 |
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National General | 359 | 169 |
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Dairyland | 367 | 158 |
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GEICO | 392 | 183 |
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Allstate | 405 | 188 |
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Farmers | 418 | 194 |
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State Farm | 446 | 207 |
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Travelers | 484 | 224 |
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Direct Auto | 498 | 205 |
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21st Century | 538 | 251 |
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Bristol West | 542 | 243 |
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Nationwide | 642 | 298 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you cause an accident, your car insurance costs will likely increase because insurers will consider you a risky driver. But how much your car insurance rates increase depends on the severity of the accident — generally, a fender bender with no injuries won’t increase your premiums as much as a multi-vehicle crash that resulted in injuries.[6]
An at-fault accident can raise rates for San Francisco drivers to a monthly average of $321 for full coverage and $190 for liability-only insurance. Here are the cheapest car insurance companies for San Francisco drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
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Mile Auto | 186 | 101 |
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Mercury | 250 | 134 |
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Safeco | 252 | 140 |
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Anchor | 277 | 129 |
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USAA | 296 | 138 |
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Dairyland | 366 | 157 |
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National General | 367 | 172 |
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GEICO | 395 | 185 |
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Allstate | 409 | 190 |
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Farmers | 420 | 195 |
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State Farm | 451 | 209 |
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Travelers | 486 | 225 |
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Direct Auto | 504 | 208 |
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Bristol West | 536 | 241 |
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21st Century | 539 | 251 |
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Nationwide | 647 | 300 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
In California, the consequences for a DUI include fines, jail time, and license suspension.[7] A DUI is a serious offense that can also lead to higher car insurance rates and an SR-22 insurance requirement, which can keep your premiums elevated for several years.
The average cost of car insurance for San Francisco drivers with DUIs is $338 per month for full coverage and $200 for liability only policies. Here are the average car insurance quotes for drivers with a DUI in San Francisco.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
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Mile Auto | 186 | 101 |
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Mercury | 256 | 138 |
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Safeco | 263 | 146 |
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Anchor | 308 | 143 |
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USAA | 342 | 160 |
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Dairyland | 413 | 177 |
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National General | 416 | 195 |
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GEICO | 455 | 213 |
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Allstate | 472 | 219 |
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Farmers | 485 | 225 |
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State Farm | 526 | 244 |
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Travelers | 553 | 256 |
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Direct Auto | 559 | 231 |
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21st Century | 600 | 279 |
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Bristol West | 620 | 278 |
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Nationwide | 739 | 343 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.