Car Insurance for San Francisco in 2024

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Drivers in San Francisco pay an average of $1,912 per year for car insurance, but you might find cheaper coverage if you shop around.

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Written by Drew Gula
Lead Writer
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Edited by Lacie Glover
Assigning Editor
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Car insurance in San Francisco, California costs an average of $1,912 per year for full coverage. But you may find cheaper options if you shop around, which is why it's important to compare rates from different companies.

To find the cheapest car insurance companies in the City by the Bay, 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 2021 Toyota Camry LE.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

To jumpstart your auto insurance shopping journey, here's a list of the cheapest companies in San Francisco.

CategoryCheapest CompanyMedian annual rate
Clean driving historyGeico$1,236
After a DUIMercury$2,605
After an accidentCIG$1,813
After a speeding ticketCIG$1,815

Read on to find out how auto insurance companies in San Francisco stack up. You can also check out our analysis of cheap car insurance in California.

Looking for the best insurer? Read NerdWallet’s roundup of the best car insurance in California.

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