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San Francisco Car Insurance
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$2,862
Average San Francisco Annual CostAbove U.S Average👍Great contender for Protect.com savings$238
Average San Francisco Monthly CostFault
California Fault Type15/30/5
California Min. Coverage
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What are the best car insurance companies in San Francisco?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between affordable pricing, coverage types, and the provider's reputation. We prioritize providers known for exceptional customer service in the San Francisco area, ensuring you're not just getting a good rate, but reliable support when it matters most. Local agents can provide personalized guidance for navigating California's unique insurance requirements, including no-fault coverage.
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San Francisco drivers have access to all major national insurance providers, plus several regional carriers that specialize in California's unique driving conditions. Whether you're commuting through downtown, or taking a Sunday drive, finding the right coverage at the best price is essential.
Frequently Asked Questions
What is the minimum auto insurance required in San Francisco?
California requires minimum liability coverage of 15/30/5. This means coverage for bodily injury and property damage as required by state law.
How much does auto insurance cost in San Francisco?
The average annual cost of auto insurance in San Francisco is $2,862, or about $238 per month for full coverage. Rates vary based on your driving record, age, vehicle, and coverage levels.
Is California a fault or no-fault state?
California is a Fault state. This affects how insurance claims are handled after an accident.
What factors affect my insurance rates in San Francisco?
Insurance rates in San Francisco are influenced by your driving record, age, vehicle type, credit score, ZIP code, coverage levels, and available discounts. Local factors like traffic density, crime rates, and weather patterns also play a role.
How often should I shop for auto insurance in San Francisco?
It's recommended to compare auto insurance rates annually or whenever you have a major life change (moving, new car, marriage, etc.). Shopping around ensures you're getting the best available rates in San Francisco.
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Methodology & Disclosures
Minimum car insurance rates by state provided by Yahoo Finance. Average full coverage car insurance rates by state provided by Bankrate. National average car insurance costs by age provided by WalletHub.
Car insurance rates vary by geographic region, number of drivers, vehicles, driving record, and many other factors. For the purposes of this site and the rates you see, the standard profile has been applied: 40 year old single driver, 2023 Toyota Camry, good credit score, clean driving record and commutes 5 days. Rates also assume bundling and paperless billing discounts.