Buy Cheap San Francisco, CA Auto Insurance
San Francisco, CA auto insurance is expensive, but GEICO offers the cheapest average rates. Drivers in San Francisco have to carry the state minimum auto insurance coverages of 15/30/5. Drivers who are unable to afford San Francisco, CA car insurance may qualify for the California Low-Cost Auto (CLCA) program that offers cheap auto insurance with very low coverages.
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UPDATED: Jul 15, 2021
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- GEICO is the cheapest auto insurance company in San Francisco, CA
- San Francisco’s auto insurance rates are higher than the state and national averages
- California Low-Cost Auto (CLCA) insurance is available for low-income drivers that qualify
San Francisco, CA auto insurance is more expensive than the state and national averages. California auto insurance is expensive to start with, and drivers in San Francisco pay even more than that.
The good news is that it is possible to find affordable San Francisco, CA auto insurance. You will need to look at quotes from multiple companies to find the right coverage and price for you.
Enter your ZIP code now to compare San Francisco, CA auto insurance rates.
What is the cheapest auto insurance company in San Francisco, CA?
The cheapest auto insurance company in San Francisco, CA is GEICO, although rates will vary by driver.
These are the top-rated San Francisco, CA auto insurance companies listed from least to most expensive for yearly auto insurance rates:
- GEICO – $3,050.85
- Progressive – $3,086.38
- USAA – $3,118.95
- Liberty Mutual – $3,685.81
- Travelers – $3,985.62
- State Farm – $4,473.06
- Allstate – $5,612.67
- Nationwide – $5,782.30
- Farmers – $6,130.34
These are average rates, but there are many different factors that can affect your auto insurance rates. Some of those factors are age, marital status, ZIP code, driving record, and credit history.
Most auto insurance companies also use gender to calculate rates, but that is not allowed in California.
California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.
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What auto insurance coverage is required in San Francisco, CA?
Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally.
The minimum auto insurance coverages required in California for San Francisco drivers are:
- $15,000 per person and $30,000 per incident for bodily injury liability
- $5,000 per incident for property damage
These minimums are the same no matter where you are in the state. For example, car insurance in Los Angeles California must meet the same requirements.
These minimums are very low, and drivers should consider carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.
What affects auto insurance rates in San Francisco, CA?
San Francisco has a lot of drivers on the road, which can mean more accidents. This helps drive up the cost of auto insurance in San Francisco.
INRIX ranks San Francisco, CA as the seventh most congested city in the U.S. and the 30th most congested city in the world.
Traffic is so bad, City-Data reports that the average commute time for drivers inSan Francisco is more than an hour, and a lot of drivers commute 90 minutes or more.
Theft is another issue that creates higher than average auto insurance rates in San Francisco. According to the FBI, 4,824 vehicles were stolen in San Francisco, which is about one theft for every 182 people.
San Francisco, CA Auto Insurance: The Bottom Line
Auto insurance in San Francisco is more expensive than average, but that doesn’t mean you can’t get a good deal. Before you buy San Francisco, CA auto insurance, shop around and compare rates from multiple companies.
Enter your ZIP code now to compare San Francisco, CA auto insurance quotes and find the best deal for you.