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|
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.
Car insurance rates can vary significantly between companies, so it's critical to compare quotes thoroughly and choose your insurer wisely.
In San Francisco, Mercury has the most affordable rates for the average insurance customer. See the list below for the best options for low-cost auto insurance in San Francisco. Remember to compare car insurance quotes based on your driving history.
|Car insurance company||Average Annual Rate|
Drivers in their 60s pay the least for auto insurance in San Francisco ($2040 per year). In San Francisco, the difference in rates paid by teenage drivers and drivers in their twenties is $5142, the most significant difference between any two age groups.
|Age||Average Annual Rate|
A driver's marital status will influence the car insurance rates they pay in some cases. In San Francisco, married drivers pay $98 less for car insurance than single drivers. In many areas, married drivers pay less for car insurance than single drivers.
|Marital status||Average Annual Rate|
Another factor that can influence auto insurance premiums is gender. In San Francisco, female drivers pay $3 more per year for car insurance than male drivers.
Keep your driving record clean if you want to keep your car insurance costs low. Speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to raise rates.
DUI and reckless driving are two of the most expensive citations to receive. Drivers convicted of reckless driving in San Francisco face an increase in insurance rates of $1,214 per year compared to the citywide average. A DUI conviction can result in a $1,037 rate increase, while a speeding ticket can increase a $282 rate.
|Driving Violation||Increased rate|
Credit is a vital insurance rating factor. Drivers with a poor credit history typically pay more for car insurance than those with good credit. Moving from the "Very Poor" credit tier to the "Fair" credit tier is one of the most significant steps a driver can take in the pursuit of lower car insurance rates.
In San Francisco, raising your credit score to "Fair" results in a $0 reduction in annual car insurance rates.
|Credit Tier||Annual rate|
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.
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.
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.
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.
In San Francisco, street signs are your best friend. They will inform you if:
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
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.
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.
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|
The auto insurance rates published in this guide are based on the results of research completed by Way.com’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 way.com
The average annual cost of car insurance in San Francisco, California, is $2268. This is higher than the California average ($1881).
The average monthly cost of car insurance in San Francisco, California, is $189.
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
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