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.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • 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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption