In San Francisco, car insurance is required by law. The average annual premium for full coverage policies is $2,441 and for minimum coverage policies it is $842. There were 3124 accidents that caused property damage in San Francisco in 2017. It is therefore important to have comprehensive car insurance with sufficient protection.
There are many ways to lower your car insurance premium in San Francisco. Based on factors such as average rates, coverage options and discounts, customer service, and many other factors, we found the best San Francisco car insurance.
The best car insurance companies San Francisco
The best car insurance companies San Francisco offers lower premiums, generous discounts and a wide range of coverage options. They also have excellent third-party ratings, financial strength, and excellent financial stability. Below is a table listing the top four insurance companies we recommend and their average annual coverage and minimum coverage rates.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Wawanesa | 853 / 1,000 | $709 | $1,752 |
| State Farm | 836 / 1,000 | $651 | $1,985 |
| Geico | 828 / 1,000 | $494 | $1,596 |
| Progressive | 823 / 1,000 | $718 | $2,001 |
Wawanesa
According to J.D., Wawanesa is California’s top-rated insurance company in terms of overall customer satisfaction. Power. Wawanesa has some of the lowest rates in San Francisco. Drivers can also take advantage of their discounts to get even more savings. You can get discounts for loyal customers, good drivers, and drivers over 55. Bundling policies is possible as well as multiple vehicle coverage. Wawanesa has limited coverage options.
State Farm
State Farm is the largest auto insurance company in the United States, accounting for just 16%. State Farm is a popular choice in auto insurance San Francisco due to its low rates and generous discount. Savings can be used to save money, but you also have the option of enrolling in State Farm’s safe driver rewards programs Steer Clear (for young drivers under 25) and Drive Safe & Save (for drivers over 25).
Geico
Our sample quotes show that Geico is the most affordable policy in San Francisco with an average premium of $1,596 annually. Geico is known for its low rates, but there’s more to it than that. Geico offers many discount options. You can save on military personnel, federal employees and employer/membership group members.
Progressive
Progressive is a great choice for drivers in San Francisco. Progressive offers great discounts, low rates, and flexible coverage options. They also offer excellent online tools and resources. To find coverage within your price range, use the NameYourPriceTool and compare Progressive rates to other prices directly from their website. Progressive also offers a highly-rated app-based safe driving discount program called Snapshot.
Cheapest car insurance San Francisco
San Francisco drivers pay slightly more than the average California rate for car insurance, which is $2.065 per annum for full coverage and $733 for minimum coverage. The average cost for car insurance in the United States for full coverage is $1,674 and $565 respectively.
While auto insurance in San Francisco can be expensive, you can still find affordable car insurance in California. Below is a table that shows the best car insurance rates in San Francisco, based on market share.
| Insurance Company | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|
| Geico | $494 | $1,596 |
| AAA | $613 | $2,574 |
| State Farm | $651 | $1,985 |
| Progressive | $718 | $2,001 |
| Mercury | $750 | $2,019 |
Not all affordable car insurance companiesare created equal. Geico and State Farm, for example, offer limited coverage options. AAA and Mercury offer better options if you are looking for add-ons like accident forgiveness or gap insurance.
Discounts are also available. These five providers offer great discounts but they also offer different savings. Progressive, for example, is the only carrier to offer a discount for continuing insurance. Geico is also the only company that offers military discounts.
San Francisco insurance requirements
San Francisco drivers must have minimum car insurance. California’s car insurance requirements are represented by 15/30/5. This includes the following coverages.
- $15,000 per person in bodily injury coverage
- $30,000 per accident in bodily injury coverage
- $5,000 in property damage coverage per accident
If you are looking for affordable car insurance, drivers should remember that a policy with minimum coverage may not be as cost-effective as a full coverage policy. However, this may not provide enough protection in the case of an accident. For example, if you hit another vehicle and cause property damage exceeding $5,000, the rest would be taken out of your pocket.
Insurance companies in San Francisco recommend that all drivers purchase full coverage insurance. This includes comprehensive and collision insurance. Your lender may require that you have full coverage insurance if you finance or lease your vehicle.
San Francisco car insurance discounts
Many car insurers in California offer discounts to help drivers obtain a lower rate. These are some of the San Francisco discounts:
- Discounts without claims: If there have been no insurance claims in the past several years, then you may be eligible for a discount.
- Discount on defensive driving courses: Many insurance companies offer discounts to drivers who have completed a safe driver or defensive driving program.
- You can get a discount if you pay the entire premium in full upfront.
- Multi-policy discount: Customers who have their car and home insured with the same insurer usually qualify for a multipolicy discount.
Questions frequently asked
Which is the best auto insurance company?
Every driver will find the best car insurer that suits them best. Some companies are known for their affordable rates while others are well-known for providing great customer service. Compare providers and obtain multiple quotes before you decide on a policy.
What is the cost of car insurance in San Francisco?
Average car insurance quotes in San Francisco are $2,441 for full coverage and $842 for minimum coverage. Each driver will pay a different rate depending on the coverage they choose. When calculating your rate, insurance companies consider factors such as your age, credit score and claims history, your type of coverage required, and your deductible.
What amount of car insurance do you need in San Francisco
San Francisco drivers must have at least 15/30/5 personal insurance coverage. However, it is worth upgrading to full coverage and increasing your liability coverage limits. It is not guaranteed that San Francisco’s minimum coverage insurance will cover all costs of an at-fault incident. You are responsible for any losses beyond your policy’s limits.
