Car Insurance for San Francisco in 2022

Answer a few questions to compare personalized insurance matches.
CA-San Francisco image

Drivers in San Francisco pay an average of $2,240 per year for car insurance, but you might find cheaper coverage if you shop around.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you’re looking for cheap car insurance in San Francisco, California, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in San Francisco — or anywhere.

To find the cheapest companies in San Francisco, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in San Francisco driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in San Francisco stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in San Francisco

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In San Francisco, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,440
NerdWallet rating 

4.5

/5
Esurance$1,514Not yet rated
Wawanesa$1,642
NerdWallet rating 

3.0

/5
USAA$1,665
NerdWallet rating 

4.0

/5
CIG$1,817Not yet rated
State Farm$1,877
NerdWallet rating 

5.0

/5
21st Century$1,979
NerdWallet rating 

3.0

/5
Grange Insurance Association$2,055Not yet rated
Progressive$2,108
NerdWallet rating 

5.0

/5
Mercury$2,220
NerdWallet rating 

4.0

/5
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Average car insurance cost in San Francisco and California

Rates across California differ from those in San Francisco for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in California is $1,966, while in San Francisco, it's $2,240.

Average city rate
Average state rate
$2,240$1,966

Average cost of car insurance in San Francisco’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in San Francisco and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
94102$2,439
94109$2,234
94110$2,213
94112$2,335
94116$2,184
94118$2,186
94121$2,255
94122$2,188
94124$2,519
94134$2,385

Cheap car insurance in San Francisco by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in San Francisco for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in San Francisco pay, on average.

Company
Rate
NerdWallet Rating
Wawanesa$2,191
NerdWallet rating 

3.0

/5
Geico$2,514
NerdWallet rating 

4.5

/5
State Farm$2,593
NerdWallet rating 

5.0

/5
USAA$2,883
NerdWallet rating 

4.0

/5
CIG$2,906Not yet rated
Esurance$2,931Not yet rated
Allstate$3,397
NerdWallet rating 

4.5

/5
The Hartford$3,443
NerdWallet rating 

4.0

/5
Travelers$3,742
NerdWallet rating 

5.0

/5
Grange Insurance Association$3,826Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in San Francisco, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,440
NerdWallet rating 

4.5

/5
Esurance$1,514Not yet rated
Wawanesa$1,642
NerdWallet rating 

3.0

/5
USAA$1,665
NerdWallet rating 

4.0

/5
CIG$1,817Not yet rated
State Farm$1,877
NerdWallet rating 

5.0

/5
21st Century$1,979
NerdWallet rating 

3.0

/5
Grange Insurance Association$2,055Not yet rated
Progressive$2,108
NerdWallet rating 

5.0

/5
Mercury$2,220
NerdWallet rating 

4.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in San Francisco, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,395
NerdWallet rating 

4.5

/5
Esurance$1,441Not yet rated
Wawanesa$1,503
NerdWallet rating 

3.0

/5
State Farm$1,609
NerdWallet rating 

5.0

/5
USAA$1,619
NerdWallet rating 

4.0

/5
CIG$1,655Not yet rated
21st Century$1,688
NerdWallet rating 

3.0

/5
Grange Insurance Association$1,950Not yet rated
The Hartford$1,998
NerdWallet rating 

4.0

/5
State National$2,013Not yet rated
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

San Francisco’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in San Francisco by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in San Francisco according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,440
NerdWallet rating 

4.5

/5
Esurance$1,514Not yet rated
Wawanesa$1,642
NerdWallet rating 

3.0

/5
USAA$1,665
NerdWallet rating 

4.0

/5
CIG$1,817Not yet rated
State Farm$1,877
NerdWallet rating 

5.0

/5
21st Century$1,979
NerdWallet rating 

3.0

/5
Grange Insurance Association$2,055Not yet rated
Progressive$2,108
NerdWallet rating 

5.0

/5
Mercury$2,220
NerdWallet rating 

4.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in San Francisco according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Wawanesa$2,934
NerdWallet rating 

3.0

/5
Grange Insurance Association$3,225Not yet rated
National General$3,318
NerdWallet rating 

3.0

/5
CIG$3,568Not yet rated
Geico$3,609
NerdWallet rating 

4.5

/5
USAA$3,670
NerdWallet rating 

4.0

/5
Mercury$3,672
NerdWallet rating 

4.0

/5
Esurance$3,827Not yet rated
Infinity$4,187
NerdWallet rating 

2.5

/5
Kemper$4,210
NerdWallet rating 

3.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in San Francisco, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
CIG$2,320Not yet rated
USAA$2,389
NerdWallet rating 

4.0

/5
Esurance$2,404Not yet rated
Wawanesa$2,476
NerdWallet rating 

3.0

/5
Grange Insurance Association$2,581Not yet rated
Geico$2,600
NerdWallet rating 

4.5

/5
State Farm$2,954
NerdWallet rating 

5.0

/5
CSAA$3,002Not yet rated
State National$3,351Not yet rated
CSE$3,677Not yet rated
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.