San Francisco ’ s cheapest cable car indemnity provider overall and for drivers with a travel rapidly tag is Esurance, but more low-cost offers are available depending on your preferences and profile. Progressive has the cheapest rates for minimum liability policies. USAA presents low-cost options for drivers with a military background. AAA balances cost and customer avail, making it MoneyGeek ’ s best-rated car insurance company .iconribbon best car indemnity San Francisco

2022

The Cheapest and Best Car Insurance in San Francisco

The Cheapest Car Insurance Companies in San Francisco

A full coverage car policy policy financially protects the driver from most circumstances since it includes liability, comprehensive examination and collision coverages. These providers offer the cheapest full coverage policies in San Francisco for an average driver :

  • Esurance: $1,096 per year
  • Progressive: $1,111 per year

USAA is an low-cost option for drivers with a military setting or who are part of a military class with an annual rate of $ 1,301. MoneyGeek ’ s research shows that Esurance, San Francisco ’ south bum provider, is 70.4 % less expensive than Travelers, the city ’ s most expensive car policy caller .

Cheapest Car Insurance in San Francisco

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .Esurance

    $1,096

  • 2 .Progressive

    $1,111

  • 3 .GEICO

    $1,163

  • 4 .USAA

    $1,301

  • 5 .MetLife

    $1,316

  • 6 .State Farm

    $1,347

  • 7 .Allstate

    $1,519

  • 8. CSAA

    $1,525

  • 9 .Mercury

    $1,613

  • 10 .Hartford

    $1,648

  • 11 .Farmers

    $1,790

  • 12. Allied

    $1,863

  • 13 .Travelers

    $1,866

The car indemnity rates in this guide are for a 40-year-old male driver in San Francisco with a entire coverage policy, following MoneyGeek ’ s methodology. A full coverage cable car policy provides broad fiscal protections for a driver since it includes comprehensive and collision coverages, apart from the state ’ s minimal indebtedness and other required coverages. Due to its extensive coverage, it ’ mho more expensive than a minimum coverage policy .

  • Comprehensive Coverage: Covers repairs for damages not caused by a collision, including weather-related damages, theft and falling objects.
  • Collision Coverage: Pays for vehicle repair if you’re in an accident.

Full coverage insurance can be more expensive than an older car ’ s actual deserving. A liability-only or state minimal policy is recommended for older vehicles to obtain the best rates .

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Cheapest Car Insurance in San Francisco for Minimum Coverage

A state minimum policy can be the best choice for drivers looking for San Francisco ’ s most low-cost car indemnity offers. These providers have the most low-cost minimum coverage policies :

  • GEICO: $468 per year
  • Progressive: $480 per year

eligible military members and their family in San Francisco can besides look at USAA, with low-cost rates at $ 538 annually. MoneyGeek ’ mho analysis shows GEICO is $ 343 cheaper than the city ’ s most expensive supplier, Farmers. State minimal is importantly cheaper than early car policy policies. however, they expose the driver to fiscal risks in shell of an accident since they don ’ deoxythymidine monophosphate include comprehensive examination and collision coverages. Toggle the table below to see how rates change depending on liability coverage .

Cheapest Minimum Liability Car Insurance in San Francisco

state of matter Minimum

  • party State Minimum

    per year

  • 1 .GEICO

    $468

  • 2 .Progressive

    $480

  • 3 .USAA

    $538

  • 4. CSAA

    $553

  • 5 .Esurance

    $584

  • 6 .State Farm

    $622

  • 7 .Mercury

    $632

  • 8 .MetLife

    $663

  • 9 .Travelers

    $738

  • 10 .Hartford

    $806

  • 11. Allied

    $811

  • 12 .Allstate

    $860

  • 13 .Farmers

    $901

The department of state of California requires its drivers to have at least a minimum coverage policy, which includes coverages for bodily injury indebtedness, property damage indebtedness, uninsured motorist bodily injury and uninsured motorist property damage. Since minimum coverage policies are San Francisco ’ s cheapest car policy, choosing this type of coverage will lead to savings on your monthly premiums. however, you may end up paying more overall in shell of an accident. Liability insurance in California merely covers $ 15,000 for bodily injuries per person. If you ’ re at fault in an accident and the other party ’ s aesculapian expenses reach $ 30,000, you ’ ll have to pay $ 15,000 from your own pocket .

California Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective level is 100/300/100 .

Cheapest Car Insurance in San Francisco if You Have Driving Violations

If you have a accelerate ticket, DUI, or at-fault accident on your driving history, you can see your cable car indemnity rates going up. fortunately, you can seek to improve your records over time and get your rates lowered. While waiting, your best option is to shop around and compare deals from diverse cable car indemnity providers for San Francisco drivers. MoneyGeek ’ s research shows that these companies offer the most low-cost car insurance for drivers with a drive record :

  • Cheapest after a ticket: Esurance, $1,392 per year
  • Cheapest after an at-fault accident: Esurance, $1,721 per year
  • Cheapest after a DUI: Progressive, $2,652 per year
Cheapest Car Insurance in San Francisco With a Violation

Speeding ticket

  • party Speeding Ticket

    per year

  • 1 .Esurance

    $1,392

  • 2 .USAA

    $1,423

  • 3 .MetLife

    $1,704

  • 4 .GEICO

    $1,715

  • 5. CSAA

    $1,920

  • 6 .State Farm

    $1,979

  • 7 .Progressive

    $2,122

  • 8 .Mercury

    $2,122

  • 9 .Allstate

    $2,165

  • 10 .Farmers

    $2,463

  • 11 .Hartford

    $2,566

  • 12. Allied

    $2,613

  • 13 .Travelers

    $2,813

Average Cost of Car Insurance in San Francisco

San Francisco

$1,488

California

$1,429

U.S.

$1,424

The average car insurance rate in San Francisco is $ 1,488 per year, which is a morsel higher than both the state and national average costs of car indemnity. Drivers living in the city can expect to pay about 4.1 % higher than California ’ s annual average of $ 1,429. In comparison, San Francisco ’ mho rate is about 4.5 % higher than the $ 1,424 national average annual premium.

Personalized Quotes to Get You the Cheapest Car Insurance in San Francisco

cable car policy companies in San Francisco consider respective factors when coming up with specific quotes for an individual. These factors include the driver ‘s age, sex, car create and model, ZIP code and driving history. For example, in San Francisco, senior citizens can get better deals on car policy than teens, who generally tend to pay the highest rates due to their inexperience behind the wheel and their higher likelihood to take more risks while they ‘re driving compared to seniors. A State farm policy for 70-year-old males costs an modal of $ 1,078 per year. In comparison, on average, State Farm will give a 40-year-old male an annual premium of $ 1,347. meanwhile, the price for an 18-year-old male ‘s average policy is $ 2,558. regularly comparing car policy quotes can help you ensure you ‘re getting the best bargain on car indemnity available to you .

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The Best Car Insurance Companies in San Francisco

MoneyGeek evaluated San Francisco ’ sulfur best car policy companies to help you find low-cost and quality providers. Our cogitation shows that, on average, the best car insurance companies in the city are :

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA gained the best scores based on MoneyGeek ’ s rating system. however, it has been excluded in this analysis because it ’ s only available to military members, veterans and their families .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3

GEICO

score :

90

4/5 Affordability

3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5

State Farm

grade :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 6

Ameriprise

score :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

sexual conquest :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Progressive

score :

82.5

4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 10

Safeco

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 11

CSAA

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 12

Liberty Mutual

seduce :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 14

Mercury

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16

Kemper

grade :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

The average car indemnity rates in San Francisco besides differ depending on the ZIP code. This difference is because crime, accidents and the number of drivers vary by region. The remainder between the cheapest and most expensive rates in the city is an average of $ 100. The most low-cost region for car indemnity, 94122, has an average annual premium of $ 1,448. interim, the most expensive ZIP code for car coverage averages to $ 1,548, in 94112 .

  • Zip Code State Minimum

    per year

  • 94122

    $1,448

  • 94110

    $1,450

  • 94109

    $1,470

  • 94121

    $1,523

  • 94112

    $1,548

Factors That Impact Insurance Costs in San Francisco

In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of car thefts besides contribute to car insurance rates in San Francisco. How San Francisco ranks compared to the 300 most populous cities in the United States can have a significant affect on premium costs .accident2 icon Most Accidents With Fatalities

266th

/ 300handcuffs2 icon Most car Thefts

262nd

/ 300uninsured icon Most uninsured Motorists by State

12th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

194th

/ 300umbrella icon Most showery Days

211th

/ 300

Methodology and Assumptions

MoneyGeek ’ mho average agio rates for San Francisco are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their phonograph record. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ south data and methodology hera. About the author

expert-profileexpert-profile Mark Fitzpatrick is a elder contentedness director with MoneyGeek specializing in policy. Mark has years of experience analyzing the insurance marketplace and creating master inquiry and contentedness. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .

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