Cheapest Auto Insurance in San Francisco, California (2024)

Mile Auto has the lowest car insurance rates for Golden Gate City drivers, with liability rates starting at $69 per month.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated July 14, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near San Francisco, California

Recent San Francisco, California car insurance prices for Lexus, Mazda, Dodge , and more.

*Quotes generated for Insurify users in and around San Francisco, California within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Francisco, California within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

San Francisco drivers pay average car insurance rates that are on par with state averages. In the Golden Gate City, drivers pay $338 per month for full coverage and $150 for liability-only insurance, while the California state averages are $287 and $137, respectively.

The citys population density, number of traffic accidents, and vehicle crime and theft rates all contribute to its car insurance costs. But San Francisco drivers can still find affordable coverage with the citys three cheapest insurers — Mile Auto, Sun Coast, and Mercury — and by comparing car insurance quotes from multiple companies.

Here’s what you need to know about finding affordable car insurance rates in San Francisco.

Quick Facts
  • San Francisco is one of the most densely populated cities in the U.S., which may contribute to its higher car insurance costs.

  • In 2023, San Francisco had nearly 2,100 traffic accidents that resulted in injuries, according to city data.

  • Insurance companies in California can’t use your credit history, gender, or ZIP code when determining your car insurance rates.[1]

3 of the cheapest car insurance companies in San Francisco

Finding affordable car insurance coverage in the Bay Area is important, but getting the best price takes more than buying the first policy an insurance company offers you. Compare multiple companies, starting with the ones Insurify identified as some of the best insurers in San Francisco below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto7.5$111$60Liability-only coverage
Sun Coast2.3$220$75Teen drivers
USAA9.4$239$116Military members and veterans
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Mile Auto

Compare personalized, real-time quotes
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$128/mo

Mile Auto launched in 2010 and specializes in pay-per-mile car insurance. It provides cheap coverage for low-mileage drivers by charging a monthly base rate, plus a low per-mile rate. To track mileage, customers send in pictures of their odometers each month.

Pros
  • Affordable coverage for infrequent drivers

  • Doesn’t require an in-vehicle telematics device

Cons
  • No discounts available

  • Lenders and leasing companies may not accept this type of coverage

Read more driver reviews of Mile Auto
Deborah - July 8, 2024
Verified

Sometimes Better Than Others

They're good, it just takes a while for them to do anything.

Best insurer for teen drivers: Sun Coast

Compare personalized, real-time quotes
User Reviews
2.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$253/mo

Headquartered in Laguna Beach, Sun Coast works with several small insurers to offer a number of insurance products, including car insurance, boat insurance, and professional liability insurance. Sun Coast is available in 11 states through a distribution network of 3,500 independent agents. Customers can save money through various discounts, like a good driver discount and homeowner discount.

Pros
  • Partners with insurance who have solid financial ratings from AM Best

  • Discounts available

Cons
  • Few online customer reviews

  • Phone-only claims process

Read more driver reviews of Sun Coast
Timothy - September 2, 2022
Verified

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

James - August 14, 2022
Verified

Poor

The cost is $62.00 a month.

Tamra - August 8, 2022
Verified

Excellent

Lower prices

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$134/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$275/mo

USAA serves active-duty military, veterans, reserve military members, and their families. In addition to car, home, and life insurance, it offers deposit accounts, loans, and more. It earned an AM Best rating of A++ (Superior) for its financial strength (the highest level possible) and consistently earns above-average J.D. Power customer satisfaction scores.

Pros
  • IntelliDrive usage-based insurance program

  • High customer satisfaction ratings

Cons
  • No gap insurance

  • Restrictive membership eligibility

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

How to get the cheapest car insurance in San Francisco

Car insurance companies have their own coverage options, policy discounts, and rates. If you want cheap car insurance, follow these tips to find affordable coverage in the Bay Area:

  • Shop around. Get car insurance quotes from at least three different companies for the same coverage levels. Compare all your options to find the best one for your unique needs.

  • Bundle policies. If you buy your auto insurance policy with homeowners insurance, renters insurance, or life insurance, the insurance company will usually apply a discount.

  • Increase your deductible. A higher collision or comprehensive deductible usually means lower premiums. Just make sure you can afford to pay more out of pocket if you file a claim.

  • Look for discounts. Most auto insurers advertise long lists of discounts. If you aren’t sure which ones you’re eligible for, you can call an insurance agent and ask which ones the insurer will apply to your policy for lower premiums.

  • Avoid a coverage lapse. “Maintain auto insurance and avoid any lapse in coverage, as it will cause future policies to be higher,” explains Lauren McKenzie, a senior insurance agent at A Plus Insurance.

Find Cheap Car Insurance in San Francisco

Liability rates start at $69 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in San Francisco: Mile Auto

California law requires all drivers to have liability car insurance, at a minimum. This type of policy covers the other driver’s property damage and injuries that you cause following an at-fault accident. Liability-only insurance typically has the lowest rates because of its limited coverage — it won’t cover damages to your car or your injuries from an accident you cause. But people who drive older, low-value cars may choose liability-only coverage to save money on car insurance.

Liability-only coverage in San Francisco costs an average of $150 per month.

Here are the cheapest car insurance companies in San Francisco for liability-only insurance.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$69
Sun Coast$86
Mercury$108
Anchor$115
USAA$134
National General$151
GEICO$177
Direct Auto$178
Allstate$184
Farmers$189
State Farm$205
Travelers$215
21st Century$234
Bristol West$257
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 full-coverage car insurance in San Francisco: Mile Auto

Full-coverage car insurance usually refers to a combination of liability, collision, and comprehensive insurance. If you have a loan or lease on your vehicle, your lender may require a full-coverage policy.

Furthermore, because full-coverage insurance includes damages to and theft of your vehicle, it may be a good idea to purchase it amid rising car theft rates in San Francisco. Motor theft rates in the city increased by 3.9% from 2021 to 2022. They also increased by 7.1% in the first half of 2023 compared to the same period in 2022.[2]

San Francisco drivers pay an average of $338 per month for full-coverage insurance.

Here are the cheapest companies for full-coverage insurance in San Francisco.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$128
Mercury$201
Sun Coast$253
Anchor$268
USAA$275
GEICO$367
National General$367
Allstate$380
Farmers$390
Direct Auto$421
State Farm$424
Travelers$444
Bristol West$480
21st Century$483
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 recent rates near San Francisco, California

Recent San Francisco, California car insurance prices for Nissan, Ford, Mazda , and more.

*Quotes generated for Insurify users in and around San Francisco, California within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Francisco, California within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

Because California is an at-fault, or tort, state, a driver who causes an accident is responsible for the property damage and injury costs of the other driver and passengers. While California requires bodily injury and property damage liability, drivers can purchase additional coverage for more financial protection. If drivers are unable to show proof of insurance, they’ll likely face legal and financial consequences.

Here are the minimum liability requirements for California drivers:[3]

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Bodily injury liability

    $15,000 per person and $30,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Property damage liability

    $5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[4]

Coverage beyond minimum liability is optional for drivers in San Francisco. But you may want to consider adding these coverages to your policy for more protection:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    A comprehensive insurance policy helps pay for vehicle damage for non-collision claims. This can cover damages and losses from theft, falling objects, severe weather, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Collision coverage

    Collision coverage reimburses you if your car needs repairs or a replacement after an accident with another vehicle or object, such as a tree or light pole, even if you’re at fault. Collision also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can pay for damages if a driver without car insurance causes an accident or if your vehicle is damaged in a hit-and-run accident. Underinsured motorist coverage pays if the at-fault drivers liability limits arent enough to cover the damages to your vehicle. California requires insurers to offer uninsured motorist coverage to all drivers, but you can decline it by signing a waiver.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also known as MedPay, medical payments coverage may pay for medical expenses that result from an accident, even if you caused it.

California’s low-cost auto insurance plan

California’s Low Cost Automobile Insurance program (CLCA) can help eligible drivers purchase affordable car insurance coverage through the state. The eligibility requirements for the program are:

  • Have a valid California driver’s license

  • Meet income eligibility requirements

  • Own a vehicle valued at $25,000 or less

  • Be at least 16 years old

  • Have a good driving record or be a new driver

Buying car insurance through the CLCA costs $232 to $932 per year for minimum-liability car insurance, depending on the county. But it offers optional coverages, like uninsured/underinsured motorist and medical payments insurance, for an extra $37 to $107 per year. You can learn more and apply for the low-cost car insurance program at MyLowCostAuto.com.

Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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 people with clean driving records. Here are the average monthly quotes for people with marks on their driving record.

Shop for Car Insurance in San Francisco

Monthly rates start at $90 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 pay average car insurance rates of $454 per month for full coverage and $202 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$69$92
Sun Coast$86$116
Mercury$108$146
Anchor$115$144
USAA$134$168
National General$151$190
GEICO$177$223
Direct Auto$178$225
Allstate$184$231
Farmers$189$236
State Farm$205$256
Travelers$215$273
21st Century$234$304
Bristol West$257$322
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: Mile Auto

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 $426 for full coverage and $189 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$69$93
Sun Coast$86$108
Mercury$108$144
Anchor$115$158
USAA$134$168
National General$151$191
GEICO$177$223
Direct Auto$178$229
Allstate$184$231
Farmers$189$236
State Farm$205$256
Travelers$215$271
21st Century$234$301
Bristol West$257$318
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: Mile Auto

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 $432 per month for full coverage and $192 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$69$90
Sun Coast$86$110
Mercury$108$142
Anchor$115$170
USAA$134$199
National General$151$224
GEICO$177$262
Direct Auto$178$264
Allstate$184$273
Farmers$189$280
State Farm$205$304
Travelers$215$319
21st Century$234$347
Bristol West$257$381
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 seniors: Mile Auto

Seniors have higher car accident mortality rates than young drivers. In most cases, average premiums decrease around age 35 and increase a bit around age 70 due to an uptick in accident risks.[8] Despite this slight increase, senior drivers tend to pay the lowest premiums compared to other age groups, especially teens and young adults.

On average, senior drivers in the City by the Bay pay $300 per month for full coverage and $133 for minimum coverage. Here are the most affordable quotes for senior drivers in San Francisco.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$101$54
Mercury$159$86
Anchor$216$93
Sun Coast$225$76
USAA$228$111
National General$298$123
GEICO$305$147
Farmers$317$153
Allstate$318$154
Direct Auto$340$144
State Farm$343$166
Travelers$363$176
21st Century$376$182
Bristol West$400$214
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 teens: Mile Auto

Teenagers don’t have a lot of driving experience and have higher crash rates than any other age group.[9] Because of this increased risk, teens pay more for car insurance than older drivers. Fortunately, they can save on a policy if they stay on their parents’ insurance and drive an older yet reliable car. Discounts for being a good student or living away from home while attending school can also help reduce costs for teens.

Teen drivers in San Francisco pay average monthly insurance rates of $508 for full coverage and $225 for liability only. Minor teens wont be able to buy their own insurance policies without the written consent of a parent or guardian.

The table below shows the cheapest car insurance quotes for teen drivers in San Francisco, by insurance company.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$230$124
Mercury$336$180
Sun Coast$380$129
USAA$418$204
Anchor$431$185
GEICO$526$254
Allstate$612$296
Farmers$630$305
National General$655$269
State Farm$658$318
Direct Auto$706$298
Travelers$735$356
21st Century$739$358
Bristol West$747$400
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.

Find Car Insurance in San Francisco

Unlock discounts and savings when you compare quotes from multiple insurers

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Is car insurance more expensive in San Francisco?

Compared to the national average, car insurance rates in San Francisco are more expensive. But you can still land a good deal on a policy. As you shop around and do your research, keep in mind that car insurance premiums vary by city within California due to factors like population and crime rates.

More cities in California

The table below shows how auto insurance quotes in San Francisco compare to other cities in California.

CityFull CoverageLiability Only
San Francisco$338$150
Anaheim$302$148
Bakersfield$256$117
Fresno$252$128
Long Beach$307$153
Los Angeles$369$203
Modesto$290$133
Sacramento$310$140
San Diego$252$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

San Francisco car insurance FAQs

Learn which factors may contribute to your higher car insurance costs in San Francisco, and read the answers to common questions about car insurance in the city below.

  • How much is car insurance in San Francisco?

    The average cost of car insurance in San Francisco is $150 per month for liability-only insurance and $338 per month for full-coverage insurance.

  • Which company has the cheapest car insurance in San Francisco?

    Mile Auto offers the lowest car insurance rates in San Francisco. Its liability policies start at $69 per month. San Francisco drivers can also save with the citys second- and third-cheapest insurers, Sun Coast and Mercury, which offer liability policies starting at $86 and $108 per month, respectively.

  • What are the best car insurance companies in San Francisco?

    Some of the best car insurance companies in San Francisco include USAA, Sun Coast, and Mile Auto. These companies have lower-than-average quotes and solid Insurify Quality Scores. But you should always compare quotes from at least three different insurers at the same coverage levels to find the cheapest car insurance rates for your unique needs and budget.

  • Can insurers use your credit score when setting insurance rates in San Francisco?

    No. California doesn’t allow car insurance companies to use a driver’s credit history when setting premiums. This means that, with all other factors the same, a San Francisco driver with poor credit won’t pay more than someone with good credit.

  • Is car insurance more expensive in San Francisco?

    Generally, car insurance in San Francisco is more expensive than in many other California cities, except Los Angeles. This could be due to the city’s dense population and three major roadways that feed into a small geographic area — San Francisco is less than 49 square miles with a population of about 800,000 people.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Federal Trade Commission. "Credit-Based Insurance Scores."
  2. San Francisco Police Department. "Crime Dashboard."
  3. California Department of Motor Vehicles. "Insurance Requirements."
  4. California Legislative Information. "SB-1107 Vehicles: insurance."
  5. California Office of Traffic Safety. "OTS Crash Rankings Results."
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  7. California Department of Motor Vehicles. "Driving Under the Influence (DUI)."
  8. Insurance Information Institute. "Senior driving safety and insurance tips."
  9. Insurance Institute for Highway Safety. "Teenagers."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all