Cheap Auto Insurance Quotes in San Francisco, CA (2021)

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Car Insurance in San Francisco, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in San Francisco, CA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$76
$83
$152
$152
$198
State FarmGEICONationwideAmerican FamilyMercury
Monthly $

Cheapest Car Insurance in San Francisco, CA

Here are the cheapest carriers in San Francisco for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$117
$149
$100
$100
$102
$132
CaliforniaLos AngelesSan DiegoSan JoseFresnoSan Francisco
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

San Francisco, CA Driving Facts

california

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Find local San Francisco agents

OnMarket Insurance Associates
1857 Market Street, San Francisco, CA 94103
Visual Media Alliance Insurance Services
665 Third Street, Suite 500, San Francisco, CA 94107
ISU Insurance Services of San Francisco
201 California Street, Suite 200, San Francisco, CA 94111
Riskguard Insurance Solutions Inc
422 Presidio Ave, San Francisco, CA 94115
Statewide Professional Insurance Agency
2030 Union St #202, San Francisco, CA 94123
CalNonprofits Insurance Services
500 Washington St., Suite 305, San Francisco, CA 94111
Alex Sourikoff Insurance Agency
624 Taraval Street, San Francisco, CA 94116
'O''Kane & Tegay Insurance Brokers'
2145 19th Avenue, Suite 3, San Francisco, CA 94116
Stephen Horn Insurance Services
37 Graham Street, Suite 110, San Francisco, CA 94129
Heffernan Insurance Brokers
188 Spear Street, Suite 550, San Francisco, CA 94105

Insurify Insights: How San Francisco Drivers Measure Up

honda
Honda Civic
Most Popular Car in
San Francisco, CA
suspended licenses
#172
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how San Francisco drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents San Francisco

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. San Francisco drivers rank 185 in the number of car accidents per driver across all cities in California.

  • Rank within state: #185
  • Percent of drivers in San Francisco with an accident: 8.81%
  • Drivers in San Francisco, CA with an accident in their driving history paid on average 23.86% more than drivers with a clean record

Speeding San Francisco

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, San Francisco drivers rank 135 in the number of speeding infractions per driver.

  • Rank within state: #135
  • Percent of drivers in San Francisco with a speeding ticket: 6.39%
  • Drivers in San Francisco, CA with a speeding ticket in their driving history paid on average 31.44% more than drivers with a clean record

DUI/DWIs San Francisco

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. San Francisco drivers rank 185 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #185
  • Percent of drivers in San Francisco with a DUI: 1.43%
  • Drivers in San Francisco, CA with a DUI in their driving history paid on average 41.67% more than drivers with a clean record

Most Popular Vehicle San Francisco

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in San Francisco is the Honda Civic.

Rude San Francisco

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, San Francisco drivers rank 50 in rude driving infractions.

  • Rank within state: #50
  • Percent of drivers in San Francisco with a reckless driving violation: 2.36%
  • Drivers in San Francisco, CA with a reckless driving violation in their driving history paid on average 21.21% more than drivers with a clean record.

Safest Drivers San Francisco

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; San Francisco drivers rank 3 in clean driving records across all cities in California.

  • Rank within state: #3
  • Percent of drivers in San Francisco with clean record: 84.13%

Failure to Yield the Right of Way San Francisco

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. San Francisco drivers rank 33 in failure to yield violations per driver across all cities in California.

  • Rank within state: #33
  • Percent of drivers in San Francisco with a failure to yield violation: 0.31%
  • Drivers in San Francisco, CA with a failure to yield violation in their driving history paid on average 1300% more than drivers with a clean record

Reckless Drivers San Francisco

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, San Francisco drivers rank 35 in the number of reckless driving offenses per driver.

  • Rank within state: #35
  • Percent of drivers in San Francisco with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership San Francisco

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. San Francisco drivers rank 25 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #25
  • Percent of drivers in San Francisco with a hybrid/electric vehicle: 6.28%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.