Best San Francisco, CA Auto Insurance in 2024 (Top 10 Companies Ranked)

State Farm, Geico, and Progressive rank among the best San Francisco, CA auto insurance companies, offering rates starting as low as $95 per month.

State Farm rises above the rest as the best option for its reliable insurance coverage. Geico is a leader when it comes to affordable rates. On the other hand, Progressive has the most flexible plans that are suitable for diverse clients.

Our Top 10 Company Picks: Best San Francisco, CA Auto Insurance

Consequently, your costs may differ depending on other parameters, such as your history of driving, the kind of car you own, or your credit rating, especially if high-risk drivers are taken into account. Comparing these options will help you find the most cost-effective coverage for your driving requirements.

Discover the top auto insurance companies in your area by simply entering your ZIP code using our free quote tool above.

#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Options: Offers a wide variety of options in San Francisco, California, as detailed in the State Farm auto insurance review.
• Competitive Minimum Rate: State Farm auto insurance in San Francisco, CA, is so affordable that one can get car insurance quotes in San Francisco for as low as $110 per month.
• Bundling Discounts: The benefit of bundled packages is not as significant as that of other companies; thus, they can affect the total cost.

Cons

• Limited Multi-Policy Discount: In contrast to the other markets in the neighboring regions, the multi-policy bundle discounts in this market are low and could affect overall costs.
• Higher Premiums: Based on the coverage options chosen in San Francisco, the most basic low-as-possible premiums can still be relatively high.

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#2 – Geico: Best for Affordable Rates

Pros

• Affordable Minimum Coverage: Geico offers some of the most budget-friendly car insurance in San Francisco, starting as low as $100 per month.
• Generous Discounts: San Francisco drivers can save up to 25% by combining policies with Geico.
• User-Friendly Platform: Geico’s app makes it easy for San Francisco customers to manage their policies easily. You can read more about it in our Geico auto insurance review.

Cons

• Limited Local Agent Access: To some San Francisco, CA drivers, Geico may feel less personal, as it has a smaller network of agents in the area.
• Inconsistent Customer Service: Some users report mixed experiences with Geico’s customer service, which could affect claims support in San Francisco.

#3 – Progressive: Best for Flexible Plans

Pros

• Tailored Coverage Plans: The flexibility in options given by Progressive allows the car drivers within the city of San Francisco, California, to pick the appropriate plans to cover their needs.
• Reasonable Minimum Coverage Price: Progressive’s provision of insurance minimum coverage in San Francisco is as low as $115, which is rather on par with the rest.
• Savings Through Safe Driving: Lower rates are offered to drivers who demonstrate good driving habits through the Progressive Snapshot program to encourage this behavior.

Cons

• Mixed Service Reviews: Customers have complained about some different levels of service, particularly in processing claims. Visit our Progressive auto insurance review for more information.
• Confusing Price Structure: Because of the many alternatives, it is very tough for San Francisco policyholders to understand Progressive’s prices and find the most optimal one.

#4 – Allstate: Best for Comprehensive Options

Pros

• Extensive Policy Options: Provides a comprehensive range of coverage tailored for motorists in San Francisco, California.
• Robust Local Help: Lots of agents are present in San Francisco to help clients. For more detailed information, check out our Allstate auto insurance review.
• Bundling Discounts: Policy bundling can help clients based in San Francisco save as much as 25%. Hence, this option is cost-effective for car insurance.

Cons

• Higher Starting Rates: The lowest rates begin at $120/month, which may deter some San Francisco policyholders.
• Inconsistent Customer Service: Feedback from drivers in San Francisco about after-sales support is mixed.

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#5 – Farmers: Best for Local Agents

Pros

• Personalized Service: Farmers are excellent at providing assistance to policyholders in San Francisco, CA, through their dependable local agents.
• Flexible Coverage: They offer great customization plans for the residents of San Francisco. For more info, visit our Farmers auto insurance review.
• Notable Deals: They offer up to 20% discount on policy bundles. An excellent opportunity for drivers in San Francisco to save.

Cons

• Higher Starting Rates: Minimum coverage begins at $125/month, a bit high for a regular San Franciso, CA, auto insurance customer.
• Limited Online Features: The online tools available may fall short compared to those of other car insurance services in San Francisco.

#6 – Liberty Mutual: Best for New Vehicles

Pros

• New Car Coverage: New car owners in San Francisco, California, can take advantage of a variety of coverage options. Check out our Liberty Mutual auto insurance review.
• Generous Discounts: San Francisco residents can save up to 25% by bundling their policies.
• All-Inclusive Insurance Selections: Customers can be at ease with the variety of coverage options Liberty Mutual can offer.

Cons

• Higher Minimum Rates: San Francisco drivers are usually reluctant to buy insurance from Liberty Mutual because they ask for as much as $130/month.
• Claims Handling Challenges: Frustration grows among policyholders in San Francisco, CA, as claim processing reports indicate delays.

#7 – USAA: Best for Military Families

Pros

• Military Discounts: Members of the military and their families in San Francisco, CA, can take advantage of exclusive benefits.
• Affordable Rates: San Francisco insurance seekers can enjoy a great deal with only $95/month for minimum coverage.
• Excellent Customer Satisfaction: USAA enjoys great customer feedback that makes it a secure choice for your insurance needs.

Cons

• Eligibility Restrictions: Limited to military members and families, excluding many San Francisco, CA drivers. Refer to our USAA auto insurance review for more information.
• Online Focus: Mainly, online services may not cater to those wanting local agent support in San Francisco.

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#8 – Nationwide: Best for Bundling Discounts

Pros

• Bundling Savings: In San Francisco, CA, policyholders can save up to 20% on bundling policies.
• Customizable Plans: Nationwide’s coverage plans are so flexible that customers can claim policies that fit their needs with ease.
• Robust Discounts: San Francisco drivers can enjoy their safe driving and good student programs. Check out our Nationwide auto insurance review.

Cons

• Higher Minimum Premiums: The starting price of $123 per month imposed by Nationwide can be a little too much for some drivers in San Francisco.
• Inconsistent Feedback: Customers’ clashing opinions make some San Francisco drivers go for Nationwide.

#9 – Travelers: Best for Flexible Coverage

Pros

• Wide Range of Plans: Motorists dwelling in San Francisco can rest assured that Travelers has the right coverage options for them.
• Solid Financial Reputation: If you want financial stability for your insurance claim, choose San Francisco’s Travelers.
• Bundling Discounts: Provides up to 13% discount when policies are combined, which is an appealing factor for San Francisco policyholders.

Cons

• Possibly Higher Premiums: Some San Francisco, CA, drivers might find the rates higher compared to specific competitors.
• Claims Processing Delays: Some policyholders find slow claim processing tedious. Visit our Travelers auto insurance review for more information.

#10 – The Hartford: Best for Senior Drivers

Pros

• Discounts for Elders: The Hartford gives out special discounts for seniors, which makes it quite suitable for elderly residents of San Francisco.
• Tailored Protection: The coverage options are specifically designed to meet the needs of San Francisco drivers. Refer to our The Hartford auto insurance review.
• Dependable Assistance: San Francisco customers can expect excellent service as their service is always in the rightful place at the right time to offer the needed help.

Cons

• Lower Bundling Discounts: The 5% bundling discount may not appeal to those seeking substantial, long-term savings.
• Higher Minimum Rates: The lowest entry-level coverage is $119 per month, which might be very high for some drivers in San Francisco, considering their already expensive living costs.

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Auto Insurance Rates in San Francisco, CA

Here’s a quick look at monthly auto insurance rates in San Francisco. You’ll find the details in a clear table format. If you’re after the most cost-effective option, USAA offers the lowest rates, with minimum coverage at just $95 and full coverage at $120.

San Francisco, CA Auto Insurance Monthly Rates by Provider & Coverage Level

If you need broader protection, such as San Francisco full coverage auto insurance, Liberty Mutual offers plans starting at $130 for minimum coverage and going up to $165 for full coverage. This table will help you easily compare your options and find a plan that matches both your budget and your insurance needs.

Guide to Auto Insurance Savings in San Francisco

If you’re looking to save on auto insurance in San Francisco, here’s a rundown of discounts offered by top providers in the area. Allstate and Progressive provide a variety of discounts, including multi-policy, safe driver, and good student options. Farmers and Geico reward good driving habits and include benefits for using technology like usage-based apps.

Auto Insurance Discounts From the Top Providers in San Francisco, CA

Liberty Mutual and Nationwide offer perks for going paperless and paying in full. State Farm and The Hartford cater to diverse needs with discounts for young drivers and AARP members, respectively.

Travelers and USAA round out the list with reductions for hybrid/electric vehicles and military affiliations. This table clearly outlines how you can reduce your expenses by leveraging various discounts from these insurers.

San Francisco Auto Insurance Claims: Costs and Frequencies

Here’s a straightforward breakdown of the most common auto insurance claims in San Francisco. The table categorizes claims into five types: collision, liability, comprehensive, medical payments, and uninsured motorists. Collision claims lead at 30% with an average cost of $3,500 each, while liability claims follow at 25% and are the most expensive at $15,000 per claim.

5 Most Common Auto Insurance Claims in San Francisco, CA

Comprehensive and uninsured motorist claims are less frequent and less costly, at $1,200 and $4,000 respectively.

Medical payment car insurance coverage claims make up 15% but cost a significant $10,000 each. This table gives you a clear picture of what drivers in San Francisco commonly face and the potential costs involved.

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Significant Factors in Best Auto Insurance in San Francisco, California

There are a variety of items that could influence the auto insurance quotes you receive in San Francisco, CA. While many of these factors affect your auto insurance rates and aren’t things you can change, there are a few that you can actually adjust to potentially lower your premiums. Here are some aspects that might alter your car insurance premium:

Your ZIP Code

Where you park your car, each night can significantly influence your auto insurance rates. Generally, insurance is more affordable in rural areas, where fewer cars on the road reduce your chances of a collision, including scenarios when another driver crashes your car.

However, if you’re looking for affordable insurance in San Francisco, California, urban parking considerations and your specific location could impact the rates you receive. In contrast, urban areas like San Francisco, which has a population of 837,442 and a median household income of $77,485, tend to have higher rates due to the increased risk of accidents.

Automotive Accidents

The rate of deadly accidents in your ZIP code directly impacts your monthly car insurance premiums. San Francisco’s statistics, while seemingly high, are actually modest compared to its total population—this is especially true for incidents like drunk driving fatalities.

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Looking for an affordable #carinsurance deductible? To get this, you must hold on to your policy without getting into an accident or filing a claim. Some companies will shrink your deductible cost each year you go without any incidents on the road! ➡️ https://t.co/cIpUQSn18J pic.twitter.com/H9wiVLvNNN

— Auto Insurance EZ (@autoinsuranceEZ) August 27, 2021

Understanding how accidents change your car insurance rate can help you see why your location influences your costs.

Auto Thefts in San Francisco

Auto theft is a significant issue, particularly in cities with the highest vehicle theft rates, like densely populated areas. Living in these high-risk zones or owning a model that’s commonly targeted might bump up your car insurance costs.

Back in 2010, San Francisco reported 3,903 stolen vehicles. If you’re in a theft-prone area, it’s wise to consider comprehensive insurance coverage to protect against loss.

Your Credit Score

Knowing how your credit score affects your car insurance premiums is straightforward. A better credit score typically means you’ll pay less. But in states like Hawaii, California, and Massachusetts, your credit score won’t change what you pay for car insurance. This policy aims to make insurance fair for everyone, no matter your financial history.

San Francisco, CA Report Card: Auto Insurance Premiums

The CA report card on auto insurance in San Francisco, CA premiums also reveals strong coverage options and decent discounts but notes that average costs are slightly above the national average, while customer satisfaction remains mixed.

Your Age

Because young drivers have so little experience behind the wheel, they are statistically more likely to get into an accident. To offset this potential risk, they are charged dramatically higher monthly rates. However, the “good student discount” and Driver’s Ed discounts are available to help lower their bills, rewarding responsible and dedicated student drivers with more affordable rates.

Your Driving Record

Insurance providers are increasingly offering “Accident Forgiveness” discounts for drivers with minor violations on their records. However, there are limits to these discounts.

Most discounts won’t apply to serious citations like a DUI or a reckless driving charge. Reckless driving and auto insurance rates are closely linked—such offenses not only come with high costs but may also lead to you losing your coverage entirely.

Minor Factors in Cheap Car Insurance in San Francisco, California

Keep the following factors in mind when you’re shopping around for an insurance policy: understanding how much car insurance is in San Francisco can help you budget more effectively and choose the right coverage for your needs.

Your Marital Status

When you get married, combining car insurance with your spouse, along with your renter’s or homeowner’s insurance, can cut down your costs a lot. It makes managing your finances easier and usually reduces what you pay overall. Just make sure the San Francisco, CA auto insurance company you go with has all the policy options you both need.

Your Gender

These days, fewer and fewer companies are charging different rates based on gender. Many major providers charge the same, all other attributes being equal. Even if your provider does alter premiums based on gender, they are unlikely to waver by more than 2-3%.

Your Driving Distance to Work

In San Francisco, California, the average commute is about 30 minutes, but surprisingly, only 37% of people drive alone, which shows that many residents prefer alternative ways to get to work.

San Francisco, CA Accidents & Claims per Year by City

The city also contends with significant traffic issues, with around 30,000 accidents and 15,000 claims reported each year. This volume of incidents highlights the difficulty of navigating the roads, especially considering it ranks among the worst cities for rush hour fatal crashes.

Your Coverage and Deductibles

One way to increase your coverage without paying a fortune each month is to raise your deductible. A high deductible, though it might be tough to pay if you need to file a claim, can significantly reduce your monthly bill. This strategy is especially worth considering if you’re wondering where can I get cheap car insurance that still meets your needs.

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For an explanation of deductibles, think of it as the amount you agree to pay out of pocket before your insurance kicks in—the higher this amount, the lower your regular payments.

Your Education

Did you know that improving your education can actually lead to lower car insurance rates? It’s true! In San Francisco, having a degree can get you bigger discounts than just having a high-paying job.

In fact, over a quarter of drivers in the city hold bachelor’s degrees, which is pretty impressive, especially with so many universities around, like the Academy of Art College, Hastings College of Law, the University of California San Francisco, San Francisco State University, and Golden Gate University.

The San Francisco, CA report card on auto insurance discounts shows some great ways for drivers to save, like a 25% discount for low mileage and a 20% discount for being a safe driver, plus options for multi-policy and good student discounts from different providers.

San Francisco, CA Report Card: Auto Insurance Discounts

Finding affordable auto insurance in San Francisco can be challenging, as it requires navigating complex information and understanding how insurers assess risk. Be cautious not to let the wrong insurance company push you into the wrong policy.

How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord equipped with a pre-installed anti-theft device. Installing an anti-theft device not only enhances security but also qualifies you for an anti-theft device discount, which can lower your insurance costs.

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Case Studies: Finding the Right Auto Insurance in San Francisco, California

These case studies highlight how San Francisco drivers find tailored insurance solutions to fit diverse needs.

• Case Study #1 – Coverage for Families with Teen Drivers: Sarah and Michael selected State Farm for its reasonably priced “Steer Clear” program, which saved 15% by grouping their house and auto policies. For their young driver, this gave reasonably priced coverage and piece of mind.
• Case Study #2 – Low-Cost Option for Single Professionals: Alex, a San Francisco single professional, chose Geico for its affordable approach, which reduced his cost to $100 monthly by means of a clean driving discount and the ease of their smartphone for simple policy administration.
• Case Study #3 – Flexible Plan for Business Owners: Maria, a San Francisco small business owner, used the Progressive Snapshot program review program, saving 20% on her premiums. She saved even more by bundling her personal and business insurance.

These case studies show how State Farm, Geico and Progressive fulfill the varying needs of a diverse fleet of drivers in San Francisco.

When you need insurance, San Francisco has you covered, whether that be affordable rates, flexible coverage options, or reliable services.

Wrapping Up: Your San Francisco Auto Insurance Guide

Getting the best car insurance in San Francisco can be a great challenge. And by looking at what different providers offer, you can find a policy tailored to your needs. Whether you’re interested in paying the least possible amount of money for coverage, getting the most flexible coverage, or the best customer service, San Francisco has many options to consider.

When looking for you’re the perfect policy, consider one that aligns with your budget, driving habits, and the protection you need. It’s wise to compare auto insurance companies to get a variety of quotes. Don’t forget to look for discounts too—they can make a big difference. A little research can lead to a policy that feels custom-made just for you.

For every unique situation, there’s an insurer ready to offer the ideal solution. Get fast and cheap auto insurance coverage today with our quote comparison tool below.