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San Francisco Car Insurance


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San Francisco car insurance rates

Car insurance in San Francisco can be pricey, but you can save 50 percent or more in some cases by shopping around, according to our California car insurance rate analysis. Drivers in San Francisco ZIP code 94134 pay the highest average car insurance rate in the city, $1,885 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($2,513) for those ZIPs and the lowest ($1,148) is $1,365.

Why comparing car insurance rates saves you money

Each car insurance company uses its own method when deciding what you pay for coverage, which is why prices for the same policy vary significantly. That’s why you can wind up overpaying for insurance if you don’t shop around. To see how car insurance rates compare, use our average rates tool below.

Enter your ZIP code, select an age group and coverage level to see the average premium for the location, as well as the highest and lowest rates from the six major carriers surveyed.

San Francisco Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
  • 90010- LOS ANGELES: $2,552
  • 90038- LOS ANGELES: $2,507
  • 90020- LOS ANGELES: $2,494
  • 90029- LOS ANGELES: $2,488
  • 93441- LOS OLIVOS: $1,071
  • 93437- LOMPOC: $1,088
  • 93427- BUELLTON: $1,091
  • 93401- SAN LUIS OBISPO: $1,095

Below you'll see a list of San Francisco's priciest and cheapest ZIP codes for car insurance. The ZIP code for Portola, a neighborhood situated between Excelsior/McLaren Park and Bayview, tops the list. 

Most expensive San Francisco ZIP codesAverage annual rate
Least expensive San Francisco ZIP codesAverage annual rate

*Methodology: CarInsurance.com commissioned Quadrant Information Services to field rates for nearly every ZIP code in California from six major insurers for a 2016 Honda Accord. Driver profile: age 40, male, good credit, clean record. This data set is for $100,000 in personal injury liability/$300,000 per accident, with $300,000 in property damage; comprehensive and collision included with $500 deductible. 


San Francisco car insurance requirements

California state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$15,000/$30,000
Minimum property damage liability$5,000

Cheapest car insurance in San Francisco

If you need just bare-bones coverage, you’ll want to shop for the lowest liability car insurance limits required by the state to drive legally. In California (written as 15/30/5), that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others’ cars and property

California drivers pay, on average, $491 a year for minimum coverage, assuming a driver profile of male, age 40 with good credit and clean driving record, according to our rate analysis. If you bumped up your liability coverage to 50/100/50, the average rate would increase by just $101 to $592. That’s less than $9 a month.

Cheapest San Francisco car insurance companies

You can see in the chart below that Geico offers coverage at the lowest price, among six major insurers compared in a CarInsurance.com rate analysis.

CompanyState minimum
State Farm$573
State Farm$742
State Farm$2,164

Best car insurance in San Francisco

If you want to have enough car insurance coverage to protect your home and assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are fairly affordable. They pay out up to the actual cash value of your car. In California, comprehensive costs $98 and collision costs $361, on average per year, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That’s the amount you pay for each claim before your insurer chips in. Deductibles of $1,000, $500 and $250 are the usual practice. The higher the deductible is, the lower your rate will be.

How much insurance rates increase for common traffic tickets in San Francisco

Moving violations can jack up your auto insurance rates. Depending on the severity of the infraction, you could pay well more than double for car insurance.

Insurers usually raise your rates for between three and five years. However, the exact number of years depends on the insurance company and state laws.

More serious violations, including DUI, usually stay on your driving record longer than a more minor offense, such as speeding.

Here’s how much more you’ll pay, on average, for the following traffic violations.

ViolationAnnual average rateRate after violationDollar increasePercent increase
DUI/DWI third offense$2,169 $11,162$8,993415%
DUI/DWI second offense



DUI/DWI first offense

Operating a vehicle in a race (highway racing)$2,169$5,980$3,811176%
Reckless driving$2,169$5,980$3,811176%
Driving without license or permit$2,169$4,131$1,96290%
Careless driving$2,169$3,369$1,20055%
Driving without insurance$2,169$3,368$1,19955%
Improper/illegal pass$2,169$3,314$1,14553%
Failure to stop$2,169$3,237$1,06849%
Failure to yield$2,169$3,237$1,06849%
Following too closely$2,169$3,237$1,06849%
Improper turn$2,169$3,237$1,06849%


CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.


How much will your insurance increase after an accident in San Francisco?

A motor vehicle accident can increase your rates depending on your plan. Some insurers have accident-forgiveness that may ignore one accident. However, a second accident could increase your rates in that scenario.

Here’s how accidents will increase your rates on average.

AccidentAnnual rateRate after claimDollar increasePercent increase
Hit and run - property damage or injury$2,169$5,980$3,811176%
2 At-fault property damage accident over $2k$2,169$5,723$3,554164%
At fault bodily injury$2,169$4,110$1,94190%

1 At-fault property damage accident 



CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We then averaged rates by company for each city for the following coverage level: 100/300/50, with comprehensive and collision and a $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.


No car insurance penalty for having bad credit in San Francisco

Most states allow car insurance companies to charge higher rates for people with bad credit. That’s not the case in California.

The Golden State forbids insurers from using a person’s credit to set car insurance rates. That’s good new for San Francisco drivers. Drivers in Michigan and New Jersey with bad credit pay double what other drivers pay. That’s why those states are the worst states for drivers with bad credit.


Costs of adding a teen driver in San Francisco

Adding a teenager driver can increase your rates more than if you get into an accident. Car insurers view teen drivers as a risk. Hence, the higher rates.

Adding a 16-year-old female driver to your insurance in San Francisco would add on average nearly $4,000 onto your annual costs. That’s an increase of 182%. Adding a 16-year-old male driver would increase rates on average by nearly $5,500 or 252%.

There are ways to limit the increase. Find out more about adding a teen to your car insurance.


How much more do you pay for gap insurance in San Francisco?

Gap insurance helps drivers with new cars. The coverage, also called loan-lease payoff coverage, pays the difference actual cash value (ACV) of the vehicle and the current outstanding balance on your loan or lease.

Gap insurance may interest you if you owe more on your car loan loan than what it’s worth. Not how much you paid for the car. How much it’s actually valued once you take it off the lot.

Gap insurance would add on average $92 to your annual car insurance costs in San Francisco.


How much SR-22 insurance costs you in San Francisco

SR-22 is an option for drivers if you’re convicted for a serious moving violation, such as a DUI, reckless driving or driving without insurance.

With a SR-22, a car insurance company guarantees that you’re carrying legally mandated coverage. SR-22 isn’t a type of car insurance. It’s simply a form your insurer files on your behalf with the state.

Driving with an SR-22 in San Francisco raises your rates on average just 1%. However, if you have an SR-22 and a DUI conviction, you can expect to pay much more. How much more? The average rate for that situation is more $6,184. That’s 185% higher than the average rate for San Francisco motorists.


Driving in San Francisco

Traffic in San Francisco: The city and nearby areas came in third for the worst traffic in the country in a recent report by USA Today, which noted that drivers spend about 78 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of about 30 deaths a year in recent years (2012-2014).

Commuting: The average commute lasts 29.2 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the San Francisco area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.

Public transportation: The U.S. Census Bureau says that the majority of riders in San Francisco who commute to work by public transportation are white (about 45 percent), Hispanic (about 17 percent) and black (about 5 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: All California residents much have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection to have their vehicle registered, even if they have a current smog certificate from their previous state.

Bad intersection: The intersection at Mission Street, 12th Street, Otis Street and S. Van Ness Avenue is considered one of the worst in the city - there were 92 vehicle accidents at the intersection from 2005 to 2012.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.