Cheapest Car Insurance Quotes in San Francisco

Finding the cheapest car insurance quotes in San Francisco shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

408,850 Policies Sold

San Francisco Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in San Francisco

The car insurance rate in San Francisco is $1457 for a six-month policy, which is $212 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $751, making it a popular choice for budget-conscious drivers. Rates in San Francisco can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Francisco

$1457

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in San Francisco

1st place: CSAA

At $751 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1203 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1223 for six months, making it the third cheapest auto insurance company in San Francisco.

San Francisco Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Francisco, CA is CSAA, offering policies at just $751 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1203.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1605 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Francisco drivers find the best deals.

Cheap Car Insurance Companies in San Francisco, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$751	$126
Mercury	$1203	$202
AAA NorCal	$1223	$208
Progressive	$1223	$206
Wawanesa	$1279	$215
USAA	$1300	$219
Auto Club	$1334	$227
Allstate	$1487	$250
AAA SoCal	$1570	$267
Kemper	$1661	$277
State Farm	$1780	$300
Travelers	$1988	$331
Farmers	$1995	$339
AAA	$1605	$268

Key Takeaways

Way's key takeaways about car insurance in San Francisco

The auto insurance costs in San Francisco fall around $751 for six months.
The cheapest auto insurance company in San Francisco is CSAA.
Teen drivers pay the highest rate in San Francisco at $706 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in San Francisco

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Francisco are given below.

CSAA provides the cheapest minimum car insurance coverage in San Francisco. Their Average 6 Month Premium is $180. Travelers is the most expensive at $764 for the same period.

Cheapest Liability Coverage in San Francisco, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$180	$30
AAA NorCal	$298	$50
USAA	$340	$57
Progressive	$404	$68
Auto Club	$410	$68
Wawanesa	$431	$73
AAA	$494	$82
AAA SoCal	$501	$85
Mercury	$501	$84
State Farm	$549	$92
Allstate	$633	$106
Farmers	$681	$116
Travelers	$764	$128

Cheapest Full Coverage Car Insurance in San Francisco

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Francisco is CSAA at $126 per month and $751 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Francisco, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$751	$126
Mercury	$1203	$202
AAA NorCal	$1223	$208
Progressive	$1223	$206
Wawanesa	$1279	$215
USAA	$1300	$219
Auto Club	$1334	$227
Allstate	$1487	$250
AAA SoCal	$1570	$267
Kemper	$1661	$277
State Farm	$1780	$300
Travelers	$1988	$331
Farmers	$1995	$339
AAA	$1605	$268

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in San Francisco Instantly!

Average Car Insurance in San Francisco by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Francisco, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Francisco, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Francisco's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Francisco

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$702
30s	Wawanesa	$566
40s	Wawanesa	$566
50s	Wawanesa	$566
60s	Wawanesa	$566
70s	Wawanesa	$555

Cheapest Car Insurance Rates for Teen Drivers in San Francisco,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Francisco at $83 per month. At $4232 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$487	$83
Capital Insurance Group	$612	$102
USAA	$1591	$268
Wawanesa	$1626	$271
Progressive	$1863	$314
Mercury	$1932	$325
CSAA	$2050	$345
Auto Club	$3009	$502
State Farm	$3071	$517
Allstate	$3572	$601
AAA SoCal	$3780	$642
AAA NorCal	$3829	$638
Travelers	$3976	$676
Farmers	$4232	$706

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Francisco.

As young drivers face the highest rates in San Francisco, Wawanesa offers the cheapest auto insurance rates at $702 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Francisco.

Car Insurance Rates with An Accident in San Francisco

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Francisco, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Francisco

The cheapest car insurance companies after an at-fault accident in San Francisco include AAA and Capital Insurance Group, offering $438 and $639, respectively. Allstate is an expensive provider with an average six-month premium of $4038.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$438	$73
Capital Insurance Group	$639	$109
CSAA	$855	$144
USAA	$1404	$236
Mercury	$1536	$259
Progressive	$1605	$270
Wawanesa	$1806	$301
Auto Club	$2002	$340
Farmers	$2189	$369
AAA NorCal	$2482	$422
AAA SoCal	$2690	$448
State Farm	$3177	$535
Travelers	$3829	$638
Allstate	$4038	$680

San Francisco Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Francisco CA. For example, the car insurance in San Francisco after a DUI increases to $2036 for a six month policy. While the rate increases by $534 for a six-month policy in the case of a speeding ticket.

San Francisco auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
Not-at-fault accident	$1272	$216
One comp claim	$1272	$212
One Med/PIP claim	$1272	$216
Two comp claims	$1272	$212
Two Med/PIP claims	$1272	$216
At-fault accident - less than $1000	$1300	$216
Failure to show documents	$1675	$284
Driving with expired registration	$1709	$285
Driving without lights	$1709	$290
Failure to wear a seat belt	$1716	$287
Child safety restraint	$1730	$294
Speeding 11 - 15 MPH over limit	$1799	$300
Speeding 16 - 20 MPH over limit	$1799	$307
Driving too slowly	$1806	$301
Failure to stop at a red light	$1806	$308
Failure to yield	$1806	$301
Following too closely	$1806	$308
Illegal turn	$1806	$301
In 65 MPH zone	$1806	$308
Speeding 21 - 25 MPH over limit	$1806	$301
Speeding 6 - 10 MPH over limit	$1806	$308
Speeding in school zone	$1806	$301
Improper passing	$1814	$309
Cell phone violation	$1821	$303
Texting while driving	$1821	$310
Passing school bus	$1842	$307
Wrong way/wrong lane	$2154	$366
Operating a vehicle without permission	$2203	$367
At-fault accident - $1000-$2000	$2217	$377
At-fault accident - greater than $2000	$2217	$370
Open container	$2224	$378
Driving with a suspended license	$2579	$429
Reckless driving	$3141	$535
Racing	$3177	$529
Leaving scene of an accident/hit and run	$3189	$543
DUI	$3308	$551
Refusal to submit to a chemical test	$3308	$563

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Francisco after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Francisco.

The cheapest car insurance premiums in San Francisco are offered by Capital Insurance Group at $952 for a six-month policy. However, it can be as expensive as $875 with companies like AAA.

San Francisco car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$952	$159
Mercury	$1362	$229
Progressive	$1806	$304
Wawanesa	$2036	$346
Farmers	$2286	$385
CSAA	$2432	$410
USAA	$2508	$422
Travelers	$2849	$480
Auto Club	$4024	$670
AAA NorCal	$4399	$748
AAA SoCal	$4934	$823
State Farm	$6262	$1054
Allstate	$6380	$1074
AAA	$875	$149

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Francisco are offered by CSAA at $111. However, it can be as expensive as $3058 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in San Francisco after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$111	$19
Capital Insurance Group	$612	$104
Mercury	$1314	$221
USAA	$1341	$228
Progressive	$1348	$227
AAA NorCal	$1550	$263
AAA SoCal	$2147	$358
Allstate	$2724	$463
Farmers	$2836	$473
State Farm	$3030	$515
Travelers	$3058	$510

Car Insurance Price Trends in San Francisco, California

Car insurance rates in San Francisco have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Francisco remained steady at $248 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the San Francisco remained steady at $71 in both February and January, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in San Francisco by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the San Francisco. At $1485 for a six-month policy, insuring your car at 94127 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
94127	$1485	$249
94105	$1471	$246
94104	$1456	$244
94103	$1500	$251
94124	$1514	$254
94102	$1500	$251
94109	$1544	$259
94108	$1471	$246
94107	$1500	$251
94129	$1456	$244
94128	$1456	$244
94123	$1485	$249
94122	$1558	$261
94121	$1514	$254
94116	$1529	$256
94115	$1500	$251
94158	$1456	$244
94114	$1500	$251
94118	$1514	$254
94117	$1529	$256
94130	$1456	$244
94134	$1514	$254
94112	$1587	$266
94133	$1500	$251
94111	$1456	$244
94132	$1500	$251
94110	$1573	$264
94131	$1500	$251

Frequently Asked Questions

How much is car insurance in San Francisco?

The car insurance in San Francisco is $30 per month, which is lower than the national average.

What is the cheapest car insurance in San Francisco?

The cheapest car insurance in San Francisco is $126 per month for full coverage.

How much is car insurance in San Francisco for teenagers?

Car insurance for teenagers costs $487 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Francisco?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $245 per month to insure your car in San Francisco.

Is car insurance expensive in San Francisco?

Car insurance can be expensive in San Francisco if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Francisco can be affordable.

Cheapest Car Insurance Quotes in San Francisco

Why you can trust Way?

How Much Is Car Insurance in San Francisco

Avg. Car Insurance in San Francisco

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Francisco

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

San Francisco Car Insurance Rates by Company

Cheap Car Insurance Companies in San Francisco, CA

Way's key takeaways about car insurance in San Francisco

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Francisco

Cheapest Liability Coverage in San Francisco, CA

Cheapest Full Coverage Car Insurance in San Francisco

Cheapest Full Coverage Car Insurance Quotes in San Francisco, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Francisco by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Francisco, CA increasing?

Car Insurance Premiums by Age in San Francisco

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Francisco,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Francisco.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Francisco

Cheapest Car Insurance Companies after an At-Fault Accident in San Francisco

San Francisco Car Insurance Rates by Violation

San Francisco auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Francisco after a DUI

San Francisco car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Francisco after Speeding ticket

Car Insurance Price Trends in San Francisco, California

Average Car Insurance Cost in San Francisco by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Francisco, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources