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

The average San Francisco, CA auto insurance rates are $360 per month. The minimum auto insurance in San Francisco is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Francisco, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in San Francisco for teen drivers is Farmers
  • The minimum auto insurance required in San Francisco, California is 15/30/5
  • The cheapest auto insurance company in San Francisco is GEICO

San Francisco, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in San Francisco can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Francisco, California, including driving record, credit, commute time, and more.

Compare auto insurance in San Francisco to other California cities, including Long Beach auto insurance rates, Bakersfield auto insurance rates, and San Francisco auto insurance rates to see how San Francisco, California auto insurance rates stack up.

Before you buy San Francisco, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Francisco, California auto insurance quotes.

Minimum Auto Insurance in San Francisco, California

San Francisco, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Francisco, California.

Minimum Required Auto Insurance Coverage in San Francisco, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap San Francisco, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Francisco, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Francisco, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,586 $3,584 $2,611 $2,633 $10,108 $12,726 $4,602 $5,051
Farmers $3,311 $3,311 $2,988 $2,988 $10,639 $17,490 $3,932 $4,386
GEICO $1,886 $1,888 $1,775 $1,775 $5,747 $5,852 $2,711 $2,774
Liberty Mutual $2,776 $2,637 $2,573 $2,498 $6,172 $6,527 $3,147 $3,156
Nationwide $4,046 $3,861 $3,515 $3,312 $10,403 $11,457 $4,856 $4,809
Progressive $1,934 $1,991 $1,637 $1,947 $5,166 $6,233 $2,787 $2,997
State Farm $3,524 $3,524 $3,148 $3,148 $6,482 $8,030 $3,903 $4,026
Travelers $2,948 $2,849 $2,597 $2,569 $6,198 $7,091 $3,857 $3,774
USAA $2,225 $2,106 $2,170 $2,179 $5,089 $5,143 $3,106 $2,934

Cheap San Francisco, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in San Francisco, California is a challenge. Take a look at the annual teen auto insurance rates in San Francisco, California.

Annual Auto Insurance Rates for Teen Drivers in San Francisco, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,108 $12,726
Farmers $10,639 $17,490
GEICO $5,747 $5,852
Liberty Mutual $6,172 $6,527
Nationwide $10,403 $11,457
Progressive $5,166 $6,233
State Farm $6,482 $8,030
Travelers $6,198 $7,091
USAA $5,089 $5,143

Cheap San Francisco, California Auto Insurance for Seniors

What are senior auto insurance rates in San Francisco, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in San Francisco, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,611 $2,633
Farmers $2,988 $2,988
GEICO $1,775 $1,775
Liberty Mutual $2,573 $2,498
Nationwide $3,515 $3,312
Progressive $1,637 $1,947
State Farm $3,148 $3,148
Travelers $2,597 $2,569
USAA $2,170 $2,179

Cheap San Francisco, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Francisco, California compared to the annual auto insurance rates with a clean record in San Francisco, California.

Annual San Francisco, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,368 $5,699 $8,952 $4,432
Farmers $4,527 $6,170 $7,693 $6,131
GEICO $2,134 $3,291 $4,131 $2,647
Liberty Mutual $3,200 $4,289 $3,864 $3,390
Nationwide $4,030 $5,165 $8,769 $5,165
Progressive $2,020 $3,434 $3,978 $2,913
State Farm $3,191 $3,806 $7,191 $3,704
Travelers $2,634 $4,338 $5,055 $3,915
USAA $2,068 $3,088 $5,053 $2,267

Cheap San Francisco, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in San Francisco, California is not easy. Compare the annual rates for DUI auto insurance in San Francisco, California to find the best deal.

Annual Auto Insurance Rates After a DUI in San Francisco, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,952
Farmers $7,693
GEICO $4,131
Liberty Mutual $3,864
Nationwide $8,769
Progressive $3,978
State Farm $7,191
Travelers $5,055
USAA $5,053

Cheap San Francisco, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in San Francisco, California can vary. Compare the annual cost of auto insurance by ZIP code in San Francisco, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in San Francisco, California

ZIP Code Average Annual Rates
94102 $6,299
94103 $6,139
94104 $6,119
94105 $5,851
94107 $5,724
94108 $6,098
94109 $5,912
94110 $5,874
94111 $5,831
94112 $6,161
94114 $5,688
94115 $6,020
94116 $6,038
94117 $5,620
94118 $5,936
94121 $6,045
94122 $5,842
94123 $5,746
94124 $6,575
94127 $5,738
94128 $5,415
94129 $5,725
94130 $6,165
94131 $5,618
94132 $6,298
94133 $6,088
94134 $6,542
94158 $5,579
94188 $5,567

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Cheap San Francisco, California Auto Insurance Rates By Commute

Commute length and annual mileage affect San Francisco, California auto insurance. Find the cheapest annual San Francisco, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in San Francisco, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,061 $6,165
Farmers $5,562 $6,699
GEICO $2,771 $3,330
Liberty Mutual $3,384 $3,987
Nationwide $5,097 $6,467
Progressive $2,798 $3,375
State Farm $4,312 $4,634
Travelers $3,576 $4,395
USAA $2,876 $3,362

Cheap San Francisco, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in San Francisco, California? Check out the comparison of annual San Francisco, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in San Francisco, California

Insurance Company Low Medium High
Allstate $5,323 $5,660 $5,855
Farmers $5,732 $6,177 $6,483
GEICO $2,802 $3,083 $3,267
Liberty Mutual $3,465 $3,717 $3,876
Nationwide $5,264 $5,882 $6,202
Progressive $2,777 $3,179 $3,303
State Farm $4,062 $4,547 $4,811
Travelers $3,475 $4,098 $4,384
USAA $2,863 $3,173 $3,321

Best By Category: Cheapest Auto Insurance in San Francisco, California

Compare the cheapest auto insurance companies in San Francisco, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in San Francisco, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest San Francisco, California Auto Insurance Companies

What auto insurance companies in San Francisco, California are the cheapest? Compare the top San Francisco, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in San Francisco, California

Insurance Company Average Annual Rates
Allstate $5,613
Farmers $6,130
GEICO $3,051
Liberty Mutual $3,686
Nationwide $5,782
Progressive $3,086
State Farm $4,473
Travelers $3,986
USAA $3,119

What affects auto insurance rates in San Francisco, California?

There are a lot of reasons why auto insurance rates in San Francisco, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Francisco, California. Many local factors may affect your San Francisco auto insurance rates.

San Francisco Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Francisco, California auto theft statistics, there have been 4,217 auto thefts in the city.

San Francisco Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Francisco, California commute length is 33.8 minutes according to City-Data.

San Francisco Traffic

How does San Francisco, California rank for traffic? According to Inrix San Francisco, California is the 38th most congested worldwide.

Compare San Francisco, California Auto Insurance Quotes

Before you buy San Francisco, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Francisco, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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