Auto Insurance in San Francisco, CA


Providing a fast and stress-free experience when looking for auto insurance in San Francisco.





Auto Insurance in San Francisco and What You Need to Know



Shopping for estimates on auto insurance in San Francisco from companies is critical if you would like to locate auto insurance in town. The price of what your friends and acquaintances cover for auto insurance in San Francisco will differ based on numerous factors--including your age, driving, and location history. To help lessen some of your legwork on shopping for auto insurance in San Francisco, we've gathered auto insurance rates for you. We have found the cheapest options for many kinds of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance in town.

Percentage increase in San Francisco car insurance costs compared to national average

46.76 %

Percentage increase in San Francisco car costs compared to average in California

14.59 %

Percentage decrease in San Francisco car insurance costs compared to most expensive in California

21.92 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Discover what driving with full coverage in San Francisco can provide you knowing that everything and everybody is protected.

Liability Car Insurance

Meet the insurance requirements for driving in San Francisco with a minimum liability auto insurance coverage program. You're always better off being protected than not being protected whatsoever.

High Risk Car Insurance

Finding the best high risk car insurance in San Francisco can be daunting. We help you weave through the noise so you can get the best car insurance rate in San Francisco should you a high risk coverage plan.

Home and Auto Insurance

Bundle your home and auto insurance policy in San Francisco so you can deal with companies and save. Find out if a home and auto insurance package is right for you.


Your Driving Record Matters When Getting Auto Insurance in San Francisco

We have been a part of it or've all seen the story before. You are getting quotes for car insurance in San Francisco and looking for the best deal on an insurance program. You receive a fantastic car insurance quote that's affordable and provides the coverage choices all you are trying to find. Then the insurance company informs you that the complete cost of the insurance premium is more significant than you were originally quoted and comes back. What happened? It may be due to insurance points. The quantity of points added to a driver's record for a crime varies by location. If your driving record from the state's department of motor vehicles comes revealing your car insurance rates in San Francisco might be significantly higher compared to pricing that the insurance provider originally quoted.


best home and auto insurance San Francisco CA

Your Type of Car Plays a Role on Car Insurance Costs in San Francisco

For certain kinds of vehicles, you will find an assortment of variables that decide how much you will pay for auto insurance in San Francisco. The more horsepower your vehicle gets, the likelier you face and will speed the threat of a crash. Since cars with power are involved in more accidents, they are more expensive to cover. But a SUV could push the purchase price of your auto insurance in San Francisco up because of its capability to inflict a substantial quantity of damage. If you're seeking to get the car insurance, consider cars in the group sedans SUVs, or minivans. The worth of A vehicle weighs on the cost to cover it. It is ideal to consider more lower-priced vehicles in case you're on the lookout for extra insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car2,342.18
Luxury2,160.65
SUV1,994.62
Van1,835.23
Truck1,793.16



best home and auto insurance San Francisco CA

Cost of Car Insurance in San Francisco by Gender and Marital Status

In a number of states, Gender is no longer a factor which can be used to compute auto insurance rates. As for your marital status, nevertheless, it may influence your rates on auto insurance in San Francisco. Generally, married couples are more likely to be given a auto insurance rate. Never-married individuals have a higher likelihood of accidents than married men and women. You may be given a discounted insurance fee for having a partner. But that practice is not prevalent. The simple fact is that married couples are not as inclined to get into car accidents. There are a number of theories about why this could be the situation; some sources say married motorists often drive less than their counterparts. Resources hypothesize that motorists that are married have more stable and less risky lifestyles compared to singles. In any event, you just got married or are married, if, then you could qualify for a car insurance rates in San Francisco.

Where You Live in San Francisco Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near San Francisco

16 %

Annual savings for car insurance in medium sized cities near San Francisco

8 %


The quantity which informs the post office where you reside can save or cost you thousands of dollars annually on car insurance in San Francisco. The postings in auto insurance policy prices by zip code have little to do with the manufacturers and models of automobiles and related to the crime. Cities with high levels of accidents and theft claims generally see higher insurance premiums because specific zip codes are lumped by companies into risk classes. City drivers always pay more than those that reside in the country. To put it more cars mean more accidents. Zipcodes with roads which are less developed may see higher auto insurance prices.

Average Costs of Auto Insurance in San Francisco by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,633.87
Auto Insurance with Comprehensive Only1,927.96
Auto Insurance with Comprehensive and Collision2,842.91


Your Credit Affects Your Car Insurance Costs

Aside from your history and the kind of automobile you drive, your credit rating can affect what you pay for auto insurance in San Francisco. Many businesses utilize insurance coverage when deciding the price of your car insurance rates. Studies indicate that using this particular score helps when someone is more likely to get into an accident insurance companies predict insurance. In reality, 92 percent of the car insurance companies in San Francisco now think about your credit score when calculating how much you will pay for auto insurance. A car insurance coverage makes it possible for insurers to gauge the most acceptable rate for every client. So, in the long term, yes, your costs can affect on auto insurance in San Francisco. Even though your credit history plays when it comes to pricing your auto insurance, it is important to concentrate on the items you can control, such as paying your bills on time and keeping an eye on how you are applying for the credit.

Average car insurance rate changes in San Francisco based off credit scores.

68 %

Max car insurance rate changes in San Francisco based off credit scores

130 %


92 percent of the car insurance companies in San Francisco now think about your credit score when calculating how much you will pay for auto insurance.



San Francisco Car Insurance Rates by Age

This is simply because age groups are more of a liability to pay than others because of a likelihood of claims that are costly and accidents. The youngest drivers have a propensity exhibit reckless behavior and to have the quantity of traffic incidents. They expensive to insure as an outcome. Auto insurance prices in San Francisco fall off for adults as soon as they start to settle around age because they get more experience and also get into injuries in comparison. This tendency continues until drivers reach their seventies, where auto insurance prices begin to grow. But even though age is one of the most significant factors that play into the expense of car insurance in San Francisco, the effect of age on auto insurance rates could vary from state to state. Overall, however, you will see the drivers paying the massive sum for an San Francisco auto insurance plan.

best home and auto insurance San Francisco CA


Getting the Best Auto Insurance Rates in San Francisco


Shopping for and buying auto insurance in San Francisco may look to be experience and an unwelcome cost. Still, it's one that you may do to protect you from financial loss associated with a traffic collision, automobile theft, natural disaster, or another event. None of us wants to spend more than we will have to for getting auto insurance in San Francisco, but it's not always clear how to secure reduced auto insurance rates. The only way to make sure that you're getting the cheapest rate possible would be to search around. Insurers supply an assortment of discounts, which might mean lower insurance prices for clients if they are even looking to package their automobile insurance or who meet needs. Just take the chance to analyze the prices and compare them before you select which sort of auto insurance in San Francisco is ideal for you.