San Francisco, CA Auto Insurance Rates

San Francisco, CA residents can save $710 by comparing multiple quotes & reading reviews & research on San Francisco car insurance rates, quotes, agents & coverage.

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$1,197 $1,769 $3,010

Latest Auto Insurance Reviews in San Francisco, California


Progressive
progressive has been a gem of acompany to work with, and lowers my premium on occassion. Thet have been a great company to work with and are always there to serve us.
Allstate
my premium is pretty much a tad cheaper than most other companies its why I am with them since I was overpaying at a different place
Mercury
MY COVERAGE FOR THIS COMPANY IS ABOUT $1,700 A YEAR CHEAPER THAN WHAT I HAD BEFORE. I HAD CAR INSURANCE WITH AAA AND I HAVE FOUND THAT THEY WERE THE MOST EXPENSIVE COMPARED TO OTHER AUTO QUOTES WHEN I WAS SHOPPING.
Liberty Mutual
I have compared my policy with others over the past 5 years, for a long time I was getting the better rate with my insurance compared to others, Now my policy is about 16 dollars more a month than what others are quoting me, But I do have accident forgiveness which would pay for the additional cost of my premium if I were in a wreck
Geico
My insurance is pretty typical of most companies. I got the bare minimum I could get to still have full coverage insurance as required since my car is still bank owned. I have a $5,000 deductible.
State Farm
I have not compared insurance companies in a very long time. The last time I looked, the cost of my coverage was a very little bit more expensive. However, it would have to save considerable money for me to lose the years I have invested in State Farm.
Geico
When price checked, the pricing for the multi-car has been the best value for the age and condition of both of my vehicles. Also, the rates reduce the longer I have the policy with no accidents
State Farm
My premium is lower than most other companies can offer. I took advantage of checking with Geico for example and they sent me away saying they could not give me a better rate.
Allstate
The premium is $1778 every 6 months. This is expensive but the car is 2017 Jaguar XJL that costs over $90K new. I am a longtime Allstate customer so I have not shopped with other companies but assume the cost is comparable. To change insurers would involve 2 other vehicles and the house
State Farm
The premium for my insurance was less than half of what I was paying through a name brand company before. I also get more coverage for less price and I'm able to group auto with home.
Geico
It covers damages and medical, it was cheaper than my last company.
Allstate
The deductible is low and coverage is flexible
Progressive
It has a reasonable price and easy to manage policy online
Mercury
THEY ARE THE CHEAPEST FOR SAME COVERAGE FOR MOST PLACES
Geico
Geico has an easy to access the website. They have 24-hour phone support and whenever I have called the operators are friendly and helpful. Our policy is reasonable in price and Geico offers a variety of payment options including changing the date a payment is due if we are having financial issues. They offer many different policy options and also have renters insurance (and other types too).
Geico
I like Geico. for the most part, they are good. anytime I have had an issue they have been very helpful. there have been some small issues but nothing that makes me want to change.
Geico
It is affordable and keeps me insured.
Esurance
they offer a policy that meets my budget compared to others
Esurance
The coverage they offer is similar but the price is a small percentage cheaper.
Allstate
My local All State office provides good customer service and comprehensive offerings. We also have our house with them and get discounts because of that. All-State is a major insurer and we get the stability they prove. I also assume that most major insurers provide similar features though I am a long time customer and have not done any comparison shopping in awhile
Progressive
they don't offer some things you hear about such as accident forgiveness
Progressive
It was the least expensive of all the companies I checked.
State Farm
I recently switched to a different agent because I had become very unhappy with the one I had. I am happier with the new one they work hard to help me out
State Farm
The few times that I've needed to do anything with them. They do it immediately and efficiently. They called me when I turned 25 to get my premium down from what it was. I've been a loyal customer for over 10 years.
Progressive
I like the fact that they are always available by phone and always answer questions well. I have been a bit disappointed with the roadside assistance but haven't had to use it much
Geico
I can call 24 hours a day and speak with someone about my coverage but I do not have an office local that I can go sit down and speak with someone face to face.
Allstate
The insurance company is easily accessible. I can do an online chat with them if I want to make a claim, so I don't need to talk to anyone. Also, I can call their 24-hour hotline if I ever need assistance. They are always there for me.
Progressive
This company is very accessible - online, app, & phone
Mercury
THE ONLY THING I DO NOT LIKE IS I HAD TO GO THROUGH AN INSURANCE COMPANY THAT IS A BROKER AND THEY BROKERED MY POLICY TO MERCURY. WHEN TRYING TO CONTACT THEM I HAVE TO CONTACT MY AGENT AND THEN MY AGENT HAS TO GO AND CONTACT THEM I DO NOT CONTACT THEM DIRECTLY
Geico
I love that I have 24/7 access to Geico. It really helps when I do not have time during the day to do things and have to do stuff in the evenings.
Geico
we can get in contact with Geico 24 hours a day. There are several different ways to contact them including email, phone, online chat, and snail mail. They also have an app for the phone. the people we have communicated with have always been friendly and helpful.
State Farm
I like that I have a physical office and a physical agent should I need assistance. I can also walk into their office with my insurance payment and have it posted on the spot so that I know my payment will not be late.
Metlife
They are very accessible. I have been able to get in touch with them every time I have had a question or needed assistance. If I ever need to report a claim or ask questions about my policy I am able to get in touch with them.
Geico
There are many ways to contact the company; email, chat or by phone. I have used all the different types of communication all have worked out well. Usual wait times and everyone was friendly.
Esurance
I can either call or use email to contact the company. They also have a website to access information about my account.
State Farm
the interaction has been excellent all the time. my car was destroyed in a flood. it was replaced within days
Progressive
I feel as if each interaction is more personable than any other places. I feel like the person on the phone actually cares about me and the issue that I have.
Liberty Mutual
Overall, it's a reputable company with competitive premiums. It's pretty good so far, and (fortunately) I have yet to actually need to use it. Could do away with rising premiums, but that happens with pretty much any insurance company.
Geico
They are friendly and helpful. They are honest. They have been affordable for most of the time I've used them.
Allstate
Overall, All-State is a great company. I would recommend anyone to use it. Farmer's may be the premier insurance company, but I have found that All State can do everything that Farmer's does, but at a cheaper price. I love my agent and I would recommend him to anyone.
State Farm
They have a very good response time, they are for the most part friendly and they work with me when I need them too. They have an easy claims process and paying my bill is very east as well
Allstate
its a good value for the money that I pay, thankfully I have not needed anything too serious. it gives me an affordable option
Mercury
I LIKE THE CHEAP PREMIUM CONSIDERING I HAVE THREE CARS INSURED AND IT WAS VERY EASY SIGNING UP AND MAKING THE PAYMENTS
Geico
Overall, this company ensures the drivers that coverage is immediate upon payment. You have on-call roadside assistance when needed. Customer service is very nice and willing to help at all times.
Esurance
I like the communication options and the price of the policy. There are no negatives that I can see.
Geico
I like the options they offer and what they provide in terms of service and discounts. I am happy with my insurance provider.
Progressive
I like their pricing and I like that I am always able to reach customer service to ask questions or make policy changes.
Progressive
The roadside assistance is slow or in one case nonexistent and cost of hours of waiting until the local sheriff came by to help. otherwise, I have nothing bad to say about the company
Geico
Premiums keep rising even though I have never filed a claim.
Progressive
I would have to say the only thing I don't really love about the company is the cost of the insurance. It is a little higher than I would like to be paying but most car insurance in the state is. There isn't much I can do about that.
State Farm
I would love to have a lower insurance rate, of course. The option to see different options if we wanted to easily on the app would be a nice thing to have as well.
Geico
Their telephone line makes it difficult to get through to a live human representative. It should be made easier.
Mercury
THE ONLY THING I DON'T LIKE OVERALL IS THAT I HAVE TO GO THROUGH A BROKER AND MY AGENT CANNOT MAKE CHANGES RIGHT AWAY THEY HAVE TO BE APPROVED SO IT CAN TAKE A FEW DAYS TO GET THAT DONE
Esurance
I dislike that when my coverage renews they do not send me a new card in the mail so I have to print it
Allstate
They don't want to pay out on claims. If you break your back in an accident you should be able to get full payout. They don't even want to pay us what is medical bills have cost.
Geico
They are a big company it is easy to fall through the cracks; you are just another number it is impersonal
Write Your Review | San Francisco, California Auto Insurance Analysis
Geico, San Francisco, CA
$116/1 month
Car Insurance Policy Holder
  • Married 57 Years old Female licensed 33 years ago with Own Ford Mustang GT used for Business with estimated annual mileage of 15,001 - 20,000.
  • Masters & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 5 K Property Damage
  • 50 K Personal Injury Protection
  • 15 K Uninsured Motorists Bodily Injury
  • 30 K Uninsured Motorists Property Damage

The cars with the lowest and highest insurance costs in San Francisco

San Francisco is neither the most expensive, nor the most affordable city to buy auto insurance in California. At $1587, San Francisco’s average insurance rate is the median rate between Orange County’s rates (the lowest, at $1316) and Los Angeles’ rates (the highest, at $2195).

California’s average auto insurance rate, at $1819, is considerably higher than the national average rate. In San Francisco, most cars cost less than the national average insurance rate ($1496) to insure.

The table below lists the cars with the lowest insurance costs in San Francisco.

Make Model Year Range Average Annual Insurance Rate ($)
Honda Accord 2005 - 2012 1,361
Honda CR-V 2005 - 2012 1,368
Toyota Camry 2005 - 2012 1,414
Toyota Corolla 2005 - 2012 1,485
Chevrolet Silverado 2005 - 2012 1,487

The median price of the Honda Accord is $18187 in San Francisco, while it can be bought for a median price below $10,000 in Ann Arbor, Lansing, Minneapolis, and Denver. This could help lower overall costs.

The table below lists the cars with the highest insurance costs in San Francisco.

Make Model Year Range Average Annual Insurance Rate ($)
Honda Civic 2005 - 2012 1,628
Nissan Altima 2005 - 2012 1,608
Ford F-Series 2005 - 2012 1,511

The Honda Accord has the lowest insurance cost, but has the highest purchase cost in San Francisco. The Honda Civic, on the other hand, has a median price of $11,975. This is the lowest median price of all the cars in San Francisco. The Civic, however, has the highest insurance costs.

It is not possible to lower your insurance costs, since you have to buy insurance from your own zip code. You can, however, lower your overall costs by buying your car from a state where it is available for a lower median price. Other ways to lower your overall cost include buying an anti-theft device for your car, and taking a defensive driving course. By doing so, you could convince your auto insurance carrier to lower your premium.

San Francisco Car Insurance Rate Comparisons

San Francisco, CA's average car insurance of $1769 differs from Muir Beach, CA (+$671), Broadmoor, CA (+$671), Inverness, CA (+$741) and California (+$50)

San Francisco Muir Beach, CA Broadmoor, CA Inverness, CA California
Median Insurance Rates $1769 +$671 +$671 +$741 +$50

San Francisco Car Insurance Savings By Neighborhood & Street Area

San Francisco Driver Street Residence & Car Locations Car Details in San Francisco San Francisco Driver Demographics San Francisco Auto Insurance Estimates Recent San Francisco Insurance Savings
Marina District
Cervantes Blvd2003 Cadillac Seville STS51 year woman$1,902$622
Marina Green Dr2005 Chrysler Pacifica Base82 year senior$1,852$468
Bayside Village
Tandang Sora St2009 Ford Fusion V6 SEL31 year married man$1,952$826
Bonifacio St2010 Toyota Prius V19 year female teenager$3,417$581
Mission District
Mistral St2006 Buick Rendezvous CX81 year female senior$1,920$730
Mistral St2010 Mazda Mazda3 s Sport46 year man$2,151$794
Fort McDowell
Gateview Ct2012 Hyundai Sonata GLS18 year male teenager$3,782$743
Exposition Dr2009 Acura TSX Base36 year married woman$1,618$334
Opera Plaza
Alice B Toklas Pl2013 Honda Civic LX70 year male senior$1,600$834
Cedar St2011 Lincoln MKZ Base19 year teenager$3,845$496

San Francisco Post DUI Car Insurance Rates

San Francisco Woodacre Muir Beach Stinson Beach California
Median Post DUI Insurance Rate $3290 +$1285 +$1248 +$1174 +$93
Male Teenager Post DUI Insurance Rate $7172 +$2801 +$2721 +$2559 +$202
Female Teenager Post DUI Insurance Rate $7138 +$2790 +$2708 +$2548 +$203

The Post DUI insurance in San Francisco, CA's is $3290 compared to Woodacre (+$1285), Muir Beach (+$1248), Stinson Beach (+$1174) and California (+$93)

In San Francisco, a male teenager with Post DUI pays $34 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2009 Ford Fusion V6 SEL in San Francisco, CA would pay $6543 on auto insurance while a female teenager POST DUI would pay $6513.

San Francisco Car Insurance by Segment

San Francisco Teenagers Car Insurance Rates Comparison

34780 San Francisco Teenagers (4% of total population), 48% Male & 52% Female.

San Francisco Mill Valley Stinson Beach Fairfax California
All Teenagers $3856 -$940 +$1376 -$975 +$109
Male Teenager $3856 -$940 +$1376 -$975 +$109
Female Teenager $3838 -$935 +$1370 -$970 +$109

San Francisco teenagers pay $3856 in insurance in contrast with Mill Valley (-$940), Stinson Beach (+$1376), Fairfax (-$975) and California (+$109). The difference between Male & Female teenagers in San Francisco is $18

Example

  • 2014 Volkswagen Beetle 2.5 PZEV Male Teenager Insurance Rate $3,679
  • 2005 Chevrolet Silverado 2500HD LS Female Teenager Insurance Rate $3,621

San Francisco Men & Women Car Insurance

807755 San Francisco Adults (100% of total population), 51% Men & 49% Women.

San Francisco Broadmoor Ross Marin City California
All Women $1715 +$651 +$700 -$522 +$49
Married Women $1662 +$631 +$678 -$506 +$47
All Men $2246 +$852 +$916 -$684 +$64
Married Men $2140 +$812 +$872 -$652 +$60

The typical insurance rate of $2246 that San Francisco Men pay varies from Broadmoor (+$852), Ross (+$916), Marin City (-$684) and California (+$64). In San Francisco, married men pay $478 more than married women.

Example

  • 2008 Lexus GS 350 Base Married Men Insurance Rate $1,886
  • 2013 Jeep Wrangler Sport Married Women Insurance Rate $1,874

San Francisco Senior Car Insurance

157794 San Francisco Seniors (19% of total population), 45% Senior Men & 55% Senior Women.

San Francisco Point Reyes Station Fairfax Lagunitas-Forest Knolls California
All Seniors $1875 +$764 -$474 +$711 +$53
Senior Men $1839 +$750 -$465 +$698 +$52
Senior Women $1910 +$779 -$483 +$725 +$54

San Francisco seniors pay $1875 in insurance compared to Point Reyes Station (+$764), Fairfax (-$474), Lagunitas-Forest Knolls (+$711) and California (+$53). In San Francisco, senior men pay $71 less than senior women.

San Francisco Car Insurance Discounts for Multiple Vehicles

San Francisco Population with 1 Vehicle 139768 (41% of San Francisco population), 2 Vehicles 71894 (21% of the San Francisco population) and 3 vehicles 18233 (5% of the population)

San Francisco Marin County Bolinas Alto California
2 Vehicles $3362 +$1369 +$1160 +$1445 +$95
3 Vehicles $5131 +$2090 +$1771 +$2206 +$145
4 Vehicles $6900 +$2811 +$2382 +$2967 +$195

Car Insurance Agents in San Francisco, CA

Rank Agent Name Agent Contact
1 AAA 599 Clement St, San Francisco, CA
2 AAA 2300 16th St, San Francisco, CA
3 AAA Insurance 1585 Sloat Blvd, San Francisco, CA 94132
4 AAA Insurance 160 Sutter St, San Francisco, CA 94104
5 ABD Insurance & Financial Services 755 Sansome St Ste 450, San Francisco, CA 94111
6 Adrienne Ng 52 2nd St Fl 2, San Francisco, CA 94105
7 Alan Chan - State Farm Insurance Agent 1700 California St, San Francisco, CA
8 Alex Sourikoff Insurance Agency 624 Taraval St, San Francisco, CA 94116
9 Alice Hung 2209 Irving St Ste 204, San Francisco, CA 94122
10 Allan Chan 5264 Mission St, San Francisco, CA 94112