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

Latest Auto Insurance Reviews

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