San Francisco, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
San Francisco car insurance on average costs $179 monthly. However, rates may vary depending on your age, location, driving history, gender, and credit tier. Our San Francisco car insurance guide will help you save money on auto insurance and compare the best cheap car insurance providers in your area.
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How Much Does Car Insurance Cost in San Francisco?
San Francisco drivers pay $2,179 annualy for car insurance. Comparatively, it is more expensive than California’s statewide average of $1,849 per year and the nationwide annual average of $1,536. Your individual car insurance rates in San Francisco are based on your age, driving history, gender, marital status, and several other factors.
San Francisco Car Insurance Rates by Insurer
Car insurance companies in San Francisco, CA vary in terms of pricing, coverage, and discounts offered. It is crucial to shop around and compare rates from multiple companies before choosing one that is best for you. The cheapest car insurance policy may not always be an ideal decision, especially if you drive in areas prone to accidents or if you have been in an accident in the past. If you have a clean driving profile, it is likely that your rate will be around the average or lower if you qualify for applicable discounts, which we cover in our free to use auto insurance quote comparison engine.
San Francisco Car Insurance Average Rates by Insurer
|Company Name||Monthly Rate||Yearly Rate|
San Francisco Car Insurance Premiums by Age
Age impacts insurance rates in San Francisco since it is one of the major factors insurance companies look into when judging a person’s ability to drive and risk for filing a claim. Younger drivers, teenagers, to be specific, pay more than drivers ages 20 and above. However, after teenage drivers celebrate their 20th and 25th birthdays, their rates will significantly decrease. On the other hand, older drivers in their 70s pay more than those in their 50s and 60s.
San Francisco Car Insurance Premiums by AGE
|AGE GROUP||Monthly Rate||Annual Rate|
San Francisco Auto Insurance Rates By Marital Status
Marital status is another basis insurers consider when calculating quotes for car insurance in San Francisco. Single drivers are likely to pay more than married drivers. Married couples are considered more financially stable in contrast to other marital statuses. Also, married drivers are expected to be more responsible and extra careful on the road. Thus, married couples pay $98 less annually for car insurance in San Francisco than single drivers.
Gender is another factor insurers consider in San Francisco. Female drivers pay $6 more than male drivers.
San Francisco Car Insurance Rate by Marital Status
|Marital Status||Monthly Rate||Yearly Rate|
San Francisco Car Insurance Rates by Accident and Violation
High-risk drivers in San Francisco are not attractive clients for car insurance companies. Insurance companies conclude risk factors in accordance with a driver’s behavior behind the wheel, past violation records, speeding tickets, and at-fault accidents on record. Some insurance companies have the right to reject high-risk drivers, and some might insure them at a higher cost. If you are considered a high-risk driver, contact our specialists at Insurance Online for a free consultation to learn more on how to remove yourself from this bracket overtime and save on your next San Francisco auto insurance policy.
San Francisco drivers insurance rates will rise significantly if found guilty driving recklessly. An increase of $3,765 in their insurance quote annually will render. See below for more quotes follwoing an at-fault accident or violation.
Car Insurance Cost in San Francisco Per Accident Violation
|Violation||Monthly Rate||Annual Rate|
|At-Fault Accident with < $1000 Damages||$189||$2,269|
|At-Fault Accident with > $2000 Damages||$324||$3,896|
|Speeding Ticket with 16-20mph Over Speed Limit||$263||$3,164|
San Francisco Car Insurance Rates by Credit Score
Your credit score can also impact your insurance rates in other states, but not in California. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In San Francisco and throughout the state of California, credit score is no longer an applicable factor insurers are allowed to use because it is viewed as discriminatory by California lawmakers.
San Francisco Car Insurance Rates by Credit Tier
|Credit Level||Monthly Rate||Annual Rate|
Other Factors That Increase Your Insurance Rates In San Francisco, CA
As mentioned, age, marital status, driving history, gender, and vehicle make and model are typical factors that impact your car insurance rates in San Francisco. However, there are other factors insurance companies consider when calculating your specific quote.
Your location plays a significant factor in the cost of your San Francisco car insurance. If you live in areas prone to accidents, theft, crime, and uninsured drivers, then it is likely for your insurance rate to increase.
Neighborhoods with different ZIP codes have different insurance quotes, even if for the same driver. Every ZIP code has specific risk factors; thus, prices vary. Drivers in San Francisco living in high-risk ZIP codes pay 17% ($283) more than lower-risk regions.
San Francisco Car Insurance Rates by ZIP Code
|San Francisco ZIP Codes with Expensive Rates||San Francisco ZIP Code with Cheaper Rates|
Lastly, weather conditions in San Francisco are also considered a risk. Wet roads, loose brakes, low visibility, and other succeeding factors can cause car accidents due to inclement weather. San Francisco experiences 72 days of rainfall per year. An average of 710,000 weather-related accidents occur around California annually. Not to mention the occasional earthquakes and wildfires. Hence, weather conditions are crucial factors considered by insurance companies when calculating your car insurance quotes in San Francisco.
San Francisco Car Insurance FAQs
Do cars awarded with “Top Safety Pick Plus” get discounts on car insurance rates or get any benefits in San Francisco, CA?
To earn or qualify Top Safety Picks, the car has to gain good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength, and head restraint tests. If your car was awarded with this safety standard, you will save money on your auto insurance as a result.
Are parents in San Francisco with adult children held responsible for their car insurance?
No. You have the choice not to include your adult children on your car insurance policy.
How can I find a car insurance company in San Francisco if I’m a high-risk driver?
It is ideal for high-risk drivers to look for as many companies as possible to assess their rates. It is the right of insurance companies to reject you. But, there will be companies in San Francisco willing to carry your insurance but at a higher cost. Contact our auto insurance specialists at Insurance Online for a free consultation regarding your unquie situation.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.