Who Has the Cheapest Auto Insurance in San Francisco?
Geico has the cheapest auto insurance in San Francisco, at $124 per month, on average.
Compare Car Insurance Rates in San Francisco, CA
Best cheap car insurance in San Francisco, CA
How we chose the top companies
Cheapest car insurance in San Francisco: Geico
Geico has the cheapest rates for full coverage auto insurance in San Francisco, at an average of $124 per month.
That's about one-third cheaper than the city average of $189 per month.
Find Cheap Auto Insurance Quotes in San Francisco
Progressive also offers affordable full coverage car insurance, at $158 per month, on average. But, Progressive has a generally poor reputation for customer satisfaction.
It's important to choose a company with a good customer service reputation because you'll likely have a smoother claims process later on.
Cheapest full coverage car insurance in San Francisco
Company | Monthly rate | ||
|---|---|---|---|
| Geico | $124 | |
| Progressive | $158 | |
| Mercury | $162 | |
| State Farm | $189 | |
| Allstate | $214 |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in San Francisco: Geico
Geico has the cheapest minimum liability coverage in San Francisco.
The company charges $40 per month, on average. That's roughly one-third cheaper than the city average of $63 per month.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Geico | $40 |
| Progressive | $57 |
| State Farm | $59 |
| AAA | $59 |
| Mercury | $60 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in San Francisco
Cheapest car insurance in San Francisco for teens: State Farm & Geico
State Farm has the cheapest liability-only car insurance for teen drivers in San Francisco, at $114 per month, on average. That's about one-third less than the city average of $167.
Geico has the most affordable full coverage policies for San Francisco teen drivers, at an average of $320 per month. That's about roughly one-third less than the city average of $459 per month.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $114 | $325 |
| Geico | $124 | $320 |
| Mercury | $154 | $388 |
| Progressive | $171 | $476 |
| AAA | $193 | $734 |
*USAA is only available to current and former military members and their families.
San Francisco teen drivers can save on their auto insurance by sharing a policy with their parents. It's also a good idea to see what discounts you may qualify for. Many auto insurance companies have special discounts for teen drivers who maintain a certain GPA or who leave their car at home during the school year.
Cheapest car insurance in San Francisco after a speeding ticket: Geico
Geico has the cheapest auto insurance for San Francisco drivers who have a speeding ticket on their record.
The company charges an average of $194 per month, which is 29% cheaper than the city average.
USAA is a better choice if you can get coverage with average rates of $164 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $194 |
| Mercury | $230 |
| Progressive | $243 |
| State Farm | $287 |
| AAA | $298 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in San Francisco after an accident: Mercury
Mercury has the cheapest auto insurance for San Francisco drivers who've caused an accident.
The company charges an average of $255 per month for a full coverage policy after an at-fault. That's roughly one-third less than the San Francisco city average.
Progressive also has affordable rates, at an average of $261 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Mercury | $255 |
| Progressive | $261 |
| Geico | $314 |
| State Farm | $370 |
| AAA | $478 |
*USAA is only available to current and former military members and their families.
An accident can roughly double your auto insurance rates in San Francisco.
You can lower the amount your monthly rate go up after a crash by taking advantage of common discounts like bundling and taking a defensive driver course.
It's also a good idea to shop around when your policy comes up for renewal. Switching from the most expensive insurance company after an accident, Allstate, to the cheapest, Mercury, could save you more than $300 per month, on average.
Cheapest car insurance for teens after a ticket: Geico
Geico has the most affordable car insurance for San Francisco teen drivers with a speeding ticket on their record, at an average of $139 per month. That's 38% cheaper than the city average of $223 per month.
Geico also has the cheapest coverage for teen drivers who've had an accident, at an average of $171 per month. That's 31% less expensive than the San Francisco average of $246 per month.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $139 | $171 |
| State Farm | $181 | $190 |
| Mercury | $204 | $193 |
| Progressive | $223 | $248 |
| Farmers | $269 | $269 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for San Francisco drivers with a DUI: Mercury
Mercury has the cheapest coverage for San Francisco drivers who've gotten a DUI.
The company charges $288 per month, on average. That's around half the city average of $524 per month.
Cheapest San Francisco car insurance after a DUI
Company | Monthly rate |
|---|---|
| Mercury | $288 |
| Geico | $311 |
| Progressive | $380 |
| Farmers | $548 |
| Allstate | $845 |
*USAA is only available to current and former military members and their families. State Farm DUI rate data is unavailable for California.
A DUI raises the cost of car insurance in San Francisco by an average of $350 per month.
After a DUI, it's important to shop around and compare quotes when your policy renews to limit your rate increase. You can save hundreds of dollars per month by switching from the most expensive company after a DUI, AAA, to the cheapest, Mercury.
Average cost of car insurance in San Francisco by neighborhood
Bayview has the most expensive average rates for car insurance, at $223 per month. The neighborhoods of Forest Knolls, Glen Park and Fairmount have the cheapest average rates, at $171 per month.Where you live impacts what you pay for auto insurance each month. Neighborhoods that have more property crime and traffic tend to have higher rates than other areas.
Full coverage quotes by San Francisco ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 94102 | $208 | 10% |
| 94103 | $193 | 2% |
| 94104 | $204 | 8% |
| 94105 | $191 | 1% |
| 94107 | $178 | -6% |
Frequently asked questions
What is the cheapest car insurance in San Francisco?
Geico has the cheapest car insurance in San Francisco for most people. The company charges $124 per month for a full coverage policy and $40 per month for a minimum liability policy, on average.
Who has the best auto insurance in San Francisco, CA?
AAA, USAA and State Farm have the best auto insurance in San Francisco. All three companies have a strong reputation for customer satisfaction.
Keep in mind that you can only buy coverage through USAA if you or an immediate family member are a current or former member of the military.
How much is the average car insurance in San Francisco?
Car insurance in San Francisco costs an average of $189 per month for a full coverage policy and $63 per month for a minimum liability policy. That's slightly more expensive than the average cost of auto insurance in California, at $168 per month and $58 per month, respectively.
Methodology
To find the best cheap car insurance in San Francisco, CA, ValuePenguin collected quotes from nine of the most popular insurance companies in California. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for California.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Medical payments coverage: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
California insurance rates in the statewide analysis included both AAA of Northern California and Auto Club of Southern California. However, Auto Club was eliminated from city averages and rankings because they don't offer insurance to San Francisco residents.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.