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How Much Does Car Insurance Cost In San Francisco?

San Francisco RATES vs California vs the United States Averages

The average annual cost of car insurance in San Francisco, California, is $2268. This is higher than the California average ($1881) and higher than the current national average ($1557). Continue reading to determine how much you can expect to pay in San Francisco based on your credit score, gender, marital status, and other common factors.

San Francisco (annual average) California (annual average) the United States
$2268 $1881 $1557

Furthermore, your car insurance premiums will increase as your driving profile evolves. For these reasons, it is strongly advised that drivers shop for car insurance quotes regularly to find the best car insurance coverage.

Continue reading to determine how much you can expect to pay in San Francisco based on your credit score, gender, marital status, and other common factors.

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What Would Increase Your Car Insurance Rate In San Francisco?

Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents can all increase insurance rates when it comes to auto insurance, San Francisco drivers who are found guilty of reckless driving pay a steep price, with a rate increase of $3,765 per year compared to the city average.

Auto Theft Statistics In San Francisco

As a major city in California, San Francisco has a fair amount of car theft, though it is moderate when compared to other large cities. In 2019, 48 cars were stolen per 1,000 residents, higher than in Los Angeles or San Diego but far lower than in Oakland or Bakersfield.

Accidents Statistics In San Francisco

In 2021, 48 people were killed in traffic accidents for every 100,000 people. Even though this figure is still high, it is lower than 65 deaths per 100,000 people. This figure also indicates that traffic accidents are the leading cause of unintentional deaths in San Francisco.

The car accident statistics for San Francisco in 2021 are also higher than those for 2020. There were 1545 fatalities from car accidents in the first six months of 2021, a 3% increase from the previous six months of 2020.

Useful Info For Driving In San Francisco

Traveling around San Francisco by car can be difficult for visitors and residents. People switch lanes like flies zigzagging from point to point, and one-way streets are typical. Bicyclists, buses, and pedestrians share the road, and those massive hills can be intimidating, especially if you're driving a stick shift.

Here are some driving tips for the city by the Bay to help you navigate the picturesque streets safely and securely.

  • Plan Your Route: Before you leave, plan your route to your destination.
  • Investigate Alternative Routes: Plan alternate routes that aren't too far out of the way. Even though San Francisco is only seven square miles, the streets are densely packed. You should be ready for anything.
  • Extra Assistance in Navigation: Both digital and printed maps are helpful, so bring them with you.

Keep an eye out for street signs

In San Francisco, street signs are your best friend. They will inform you if:

  • The street you're about to turn onto is a one-way street.
  • The lane you're in is only for buses.
  • You can or cannot make that left-hand turn at that time of day.

Look out for San Francisco bicyclists

San Franciscans enjoy riding their bikes, and they can be found commuting on them all over the city. There are also bike messengers who zip through city streets like bullets.

While there are plenty of bike lanes on city streets, it is critical to

  • Check your mirrors frequently to see any cyclists in your vicinity.
  • Avoid cyclists when pulling away from the curb or out of a driveway and crossing through a bike lane.
  • Assume cyclists will not obey traffic laws; wait for them to make the first move to avoid colliding with them.

First Preference is for Pedestrians

San Francisco is a walking city. Always yield to pedestrians and ensure they clear the crosswalk before driving through it. They have the right of way under the law in both marked and unmarked crosswalks.

Be aware that jaywalking is a part of San Francisco's culture. Yes, it's against the law, but everyone does it. It's better to yield to a jaywalker than to assume they will yield to you.

Getting Over The Hills

If you're unfamiliar with scaling one of San Francisco's famous inclines, there's a little trick to it. It is usually preferable to drive faster than slower.

  • Using an Automatic Transmission: You may find it easier to manage the hill if you have an automatic transmission because you won't stall. However, it would be best if you gained enough speed on the way up to the hill so that you can climb it without damaging the engine.
  • Using a Stick: If your car has a manual transmission, which requires you to use a stick shift, you'll want to go fast enough to shift into at least second gear and maintain your speed so you don't stall. There are many stop signs on these long, steep hills, and you don't want to roll back and hit the car behind you as you try to leave the stop sign. Automatic transmission makes this task a little easier, but if you're driving a stick, use your parking brake until you've balanced the clutch and gas so you know you'll move forward rather than backward.
  • Hillside Parking: Parking on a steep hill can be a physics challenge, but the most important rule to remember when parallel parking is to turn your wheels away from the curb when facing uphill. Turn your wheels toward the curb if you're facing downhill. If your parking brake fails, the wheels will prevent the car from careening down the hill.

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Car Insurance Companies In San Francisco

Are you looking for cheap full coverage of auto insurance in San Francisco? Are you looking for great car insurance in San Francisco that's also reasonably priced?

Our knowledgeable local >agents are ready to assist you in understanding even the most complex state requirements, insurance terms, coverages, and deductibles. Take a look at the top car insurance companies in San Francisco below:

Car insurance companies in San Francisco
Auto Club of Southern California Insurance Group
Liberty Mutual
State Farm

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


How much is car insurance in San Francisco?

The average annual cost of car insurance in San Francisco, California, is $2268. This is higher than the California average ($1881).

How much is car insurance per month in San Francisco?

The average monthly cost of car insurance in San Francisco, California, is $189.

Is car insurance more expensive in San Francisco?

The average annual cost of car insurance in San Francisco, California, is $2268. This is higher than the California average ($1881) and higher than the current national average $1557

How can I get the cheapest car insurance in San Francisco?

Choose state minimum coverage if you want to pay the lowest possible rate for your car insurance policy. This is the cheapest level of car insurance coverage permitted by your state. Using a car insurance comparison site like to compare accurate, ready-to-purchase quotes can help you find the best rates for your area, risk profile, and financial needs.

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