Cheap car insurance in San Francisco, CA

San Francisco coastal city is situated in the North of California. It’s among the oldest cities of California and was established like a mission in 1776. The several tourist attractions and mild weather draws people from various parts of the globe into San Francisco every year.

This city is popularly known for many great things like its hilly topography, sunny weather and cultural diversity. In addition, the international airport of San Francisco is situated in this city. This city is strategically situated for accessing the Silicon Valley and is a main player of insurance business. In 2018, San Francisco was considered to be the thirteenth most populated city in USA and 4th most populated in California, having a population of 883305 residents.

San Francisco Car Insurance Information

The city of San Francisco lies at the 55th position in a list with cities that have the most expensive rates of car insurance in California State. As a matter of fact, vehicle owners in San Francisco pay 0.2 times or 2% more in auto insurance premiums than the auto insurance average of the state and 2 times/ 200% more than national average.

The annual average rates of auto insurance in San Francisco is approximately $1,700/ year in comparison to the nationwide average of $900. This makes it necessary to shop for few quotes of auto insurance before purchasing your car insurance policy.

The table below clearly shows the average auto insurance cost of San Francisco, California State and the national average.


In order to determine the company with the cheapest auto insurance rates, we compared the rates of various auto insurance firms that are based in San Francisco. It’s also worth noting that the rates of car insurance tend to vary based on the age or sex of the driver. However, the biggest factor that affects costs is the variability in the quotes of the companies. For instance, in San Francisco, the highest auto insurance quote was 250% or $2,952 as compared to the cheapest auto insurance firm’s quote that was $1,104. Therefore, we highly recommend that you obtain auto insurance quotes from a minimum of 3 car insurance firms so that you can make a comparison on their rates.

To make things even easier for you, we’ve made a list of the top 10 cheapest auto insurance firms in San Francisco together with their annual auto insurance rates in the table below.

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Rank Auto insurance company name Annual rate
1 Bristol West 2952
2 Kemper Specialty 2436
3 Allied 1824
4 Unitrin 1704
5 Progressive 1637
6 Grange 1428
7 Nationwide 1212
8 Century National 1104

San Francisco Car Insurance Rate by Zip Code

In the above table, we’ve recorded data to compare various rates of car insurance rate in San Francisco by the zip codes. We’re attempting to give an explanation of how the rates of car insurance change when there is change of zip codes. For instance, the average auto insurance rate in San Francisco for a 30year old male driver is $1377 for 94122 zip code. On the other hand, the average auto insurance rate for a similar driver is $1977 for 94121 zip code. We can evidently see that there is an increase in price of about $600/ year by about $559 when there is change in zip codes in the city of San Francisco. It’s therefore important to select the appropriate zip code so that you can obtain the cheapest auto insurance rate in this area. Luckily, this is exactly what Network auto insurance does for you. We can assist you select the appropriate zip code when insuring your car to ensure that you get the cheap auto insurance in San Francisco.

San Francisco Zip Codes Gender Age Average Rate($) Lowest($) Highest($)
94116 Male 30 1934 1271 2408
94132 Male 30 1949 1345 2407
94121 Male 30 1977 1271 2490
94122 Male 30 1377 851 1803
94110 Male 30 1883 1215 2408
94131 Male 30 1860 1168 2271
94118 Male 30 1888 1190 2292
94114 Male 30 1851 1193 2365
94117 Male 30 1872 1215 2269
94107 Male 30 1862 1209 2388


Age Women ($) Men ($)
70 1610 1596
60 1486 1486
50 1574 1566
40 1703 1681
30 1883 1862
20 3525 4355

The table below contains data that compares the rate of auto insurance in San Francisco for both genders and various age groups. We’re attempting to give an explanation of how the rates of auto insurance is affected by gender and how they change with the driver’s age. For instance, the average auto insurance rate in San Francisco for 20 year old male drivers is $4,355. Contrarily, the average rate of insurance for women within the same age group decreases to reach $3,525. In addition, the car insurance rate for 30 year old female and male drivers is almost similar costing about $1,850 / year.

We can clearly see a huge decrease in price ($2,500/ year) while the age range of the driver moves from 20 years to 30 years. Additionally, San Francisco auto insurance quotes within the age range of 30 to 70 becomes stable costing approximately $1,550 for both genders. Therefore, you can obtain the cheapest auto insurance rate within this age range. Network insurance will help you select the right family member to get your car insurance to ensure that you get the cheapest auto insurance rate in San Francisco, California.


Insurance type San Francisco minimum requirement
Underinsured/ uninsured motorist bodily injury Unavailable
Property damage $5000/accident
Bodily injury liability $30000/ accident or $15000/ person

San Francisco city requires car insurance with the minimum protection from bodily injury of $15000 for every person or $30000 for every accident as well as $5000 for the property damage for every accident. Therefore, we recommend that you obtain the best probable auto insurance coverage through the cheapest price possible. Luckily, this is specifically what Network insurance does for you. Contact us and we’ll find you a cheap car insurance company based on your exact Zip code.

Top car insurance agents in San Francisco

CAL Insurance and Associates

2311 Taraval St, San Francisco, CA 94116, USA

Jessica Liu Auto Insurance Services

3428 Balboa St, San Francisco, CA 94121, USA

Sweet & Baker Insurance Brokers

44 2nd St, San Francisco, CA 94105, US

Dawn Prince; Allstate Insurance

655 14th St, San Francisco, CA 94114, USA

Wang Auto Insurance Agent

2620 Judah St, San Francisco, CA 94122, USA

Gabi Personal Auto Insurance Agency

14 Funston Ave, San Francisco, CA 94129, USA

Broad Spectrum Auto Insurance Services

1000 Brannan St, San Francisco, CA 94103, USA

Auto Insurance Agent

2190 3rd St, San Francisco, CA 94107, USA

Biddle Auto Insurance Services

301 Junipero Serra Blvd #204, San Francisco, CA 94127, USA


About San Francisco

This hilly city in the northern part of California is surrounded by the Bay of San Francisco and Pacific Ocean. It is popular for its cable cars, vibrant Victorian houses, the Golden Gate Bridge and its annual fog.
  • Population 883305 (2018)
  • Population Density 10000 per sq. miles
  • Latitude 37° 47’N
  • Longitude 122° 25’ W
  • Area code 628/ 415