Cheapest Car Insurance In San Francisco, CA 2024
In terms of affordability, GEICO ranks first in San Francisco, with minimum coverage insurance averaging $31 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Scanning the market for the cheapest car insurance in San Francisco, CA, shows that the options can vary considerably.
Those needing affordable liability-only coverage will find GEICO as their best bet. Progressive shines for full coverage at lower rates, and GEICO again offers young drivers the cheapest policies
Cheapest Car Insurance In San Francisco, CA, 2024
Cheapest Liability-only Car Insurance In San Francisco: GEICO
GEICO stands out in San Francisco for offering minimum coverage car insurance at just $31 a month on average.
Take a look at the table below to review rate differences across various insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $31 | $374 |
| State Farm | $41 | $486 |
| Progressive | $41 | $490 |
| Kemper | $52 | $625 |
| Allstate | $62 | $742 |
Cheapest Full Coverage Insurance Rates In San Francisco: Progressive
The most budget-friendly full coverage car insurance in San Francisco comes from Progressive, costing $91 a month on average.
See the table below for a comparison of average quotes from cost-effective auto insurers in San Francisco.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $91 | $1,098 |
| Mercury | $112 | $1,347 |
| Allstate | $117 | $1,408 |
| CIG | $118 | $1,417 |
| State Farm | $158 | $1,892 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm stands out for offering seniors in San Francisco the lowest car insurance rates, averaging $79 a month.
The following table shows average car insurance quotes from the most affordable insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $79 | $950 |
| Mercury | $110 | $1,319 |
| Allstate | $111 | $1,335 |
| CIG | $112 | $1,340 |
| Nationwide | $117 | $1,407 |
Cheapest Rates In San Francisco For Teenagers: State Farm
For teens in San Francisco, the cheapest car insurance comes from State Farm, with an average cost of $241 per month.
See the table below for a list of companies with the most budget-friendly insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $241 | $2,891 |
| Farmers | $299 | $3,592 |
| Allstate | $309 | $3,704 |
| CIG | $286 | $3,433 |
| Nationwide | $499 | $5,990 |
Cheapest Auto Insurance For Young Adults in San Francisco: GEICO
With average rates of $94 per month, GEICO offers the most budget-friendly quotes for young adults in San Francisco.
The following table shows the cheapest car insurance rates for young adults in San Francisco.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $94 | $1,127 |
| State Farm | $116 | $1,395 |
| Allstate | $130 | $1,556 |
| CIG | $133 | $1,598 |
| Mercury | $145 | $1,740 |
Cheapest Car Insurance In San Francisco For Good Drivers: GEICO
For good drivers in San Francisco, GEICO provides the cheapest car insurance, averaging $31 a month.
For good drivers, the table below displays average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $31 | $374 |
| State Farm | $41 | $486 |
| Progressive | $41 | $490 |
| Kemper | $52 | $625 |
| Allstate | $62 | $742 |
Find affordable San Francisco rates
Cheapest Car Insurance In San Francisco After A Speeding Ticket: GEICO
With average rates of $122 a month, GEICO is an affordable choice for San Francisco drivers who have a speeding ticket on their record.
The table below displays the average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $122 | $1,460 |
| State Farm | $147 | $1,766 |
| CIG | $135 | $1,620 |
| Allstate | $171 | $2,050 |
| Progressive | $173 | $2,074 |
Cheapest For Drivers With After At-Fault Accident: GEICO
Drivers with an at-fault incident can find the lowest insurance quotes from GEICO, with an average rate of $136 a month.
Below are the car insurance companies providing the lowest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $136 | $1,290 |
| Progressive | $188 | $2,250 |
| State Farm | $154 | $1,848 |
| Nationwide | $198 | $2,372 |
| Allstate | $213 | $2,560 |
Cheapest Rates In San Francisco For Drivers After A DUI: Mercury
San Francisco drivers with a DUI can get the lowest rates from Mercury, with average monthly premiums of $185.
The following table highlights the most affordable rates for San Francisco drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $185 | $2,218 |
| State Farm | $303 | $3,640 |
| Progressive | $213 | $2,557 |
| Nationwide | $352 | $4,219 |
| Allstate | $375 | $4,498 |
Best Car Insurance Companies In San Francisco
Drivers in San Francisco can get insurance for as little as $31 a month with GEICO. State Farm offers rates of $41 per month, and Progressive is available at $43.
Below is a ranking of the top 10 car insurance companies in San Francisco, CA, by average monthly rate.
| Company | Monthly Premium |
| GEICO | $31 |
| State Farm | $41 |
| Progressive | $43 |
| Kemper | $52 |
| Allstate | $62 |
| CSAA | $44 |
| Mercury | $48 |
| CIG | $56 |
| Hartford | $62 |
| Chubb | $68 |
| National General | $81 |
Average Auto Insurance Rates In San Francisco – By Age
Insurance companies consider age when setting car insurance premiums, with younger drivers often paying more. This is because they have less experience and a higher risk of accidents. Teen drivers can expect annual rates near $3,266.
By the time drivers reach 25, they often notice a reduction in their rates, as long as their driving record remains clean.
The most affordable insurance premiums are often available to drivers in their 50s and early 60s. Age is a key metric insurers use to evaluate risk and experience, impacting rates.
| Age | Average Yearly Rate |
| Teenagers | $3,266 |
| 20s | $2,628 |
| 30s | $2,136 |
| 40s | $1,908 |
| 50s | $1,920 |
| 60s | $2,160 |
| 70s | $1,824 |
Average Cost Of Auto Insurance In San Francisco – By Zip Code
Zip codes provide insurers with insights into crime rates, so each zip code comes with its own set of car insurance rates.
The table below shows average insurance premiums for various San Francisco zip codes.
| Zip Code | Average Monthly Rate |
| 94114 | $210 |
| 94132 | $189 |
| 94123 | $175 |
| 94141 | $184 |
| 94119 | $425 |
How Much Is Car Insurance In Other Cities in California ?
Your city or town greatly influences your car insurance premiums. Insurers evaluate risks such as accident frequency, car theft, and vandalism, which are often higher in urban settings, resulting in more expensive coverage.
As an example, residents of Lancaster pay roughly $176 each month for car insurance, while Pleasanton drivers see an average of $138 per month.
| City | Average Monthly Rate |
| Jurupa Valley | $159 |
| San Diego | $150 |
| Bakersfield | $157 |
| Culver City | $185 |
| Anderson | $129 |
| Pleasanton | $138 |
| Lynwood | $193 |
| Norwalk | $176 |
| Redlands | $155 |
| Lancaster | $176 |
Average Rates In San Francisco – By Vehicle
Your vehicle type is an important factor in car insurance pricing. Insurers consider the make, model, year, and body design. Generally, luxury and newer cars with advanced technology and higher replacement expenses are more costly to insure.
The table below presents average insurance premiums in San Francisco for a range of vehicle models.
| Vehicle | Average Monthly Rate |
| Saturn Aura | $1,294 |
| Honda Pilot | $2,160 |
| Chevrolet Trailblazer | $1,180 |
| Jeep Cherokee | $1,814 |
| Acura MDX | $1,015 |
Find affordable San Francisco rates
Our Methodology
From a wide-ranging analysis of elements such as customer service quality, product choices, pricing, and insights gathered from online reviews and user feedback, I’ve crafted a detailed overview of San Francisco, CA's car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in San Francisco?
The lowest premiums in San Francisco are provided by GEICO for minimum coverage, while Progressive offers the most affordable full coverage, including comprehensive and collision.
What is the average cost of car insurance in San Francisco?
Car insurance in San Francisco costs an average of $180 per month, but individual rates may differ depending on your zip code, vehicle type, and driving history.
