Are you hunting for some reliable and accurate information regarding “Cheap Car Insurance San Francisco”? If yes, then we have got you covered completely! In this article, you’ll get detailed and up-to-the-mark answers for all queries relating to Cheap Auto Insurance San Francisco. Whenever you own a new vehicle in San Francisco, the very first thing that might come up in your mind is -“Which is the best auto insurance in San Francisco?” Well, with the availability of multiple best auto insurance in the Bay Area, it becomes pretty challenging and difficult for you to choose which one is the best. To help you out with this confusion, we are here to help you!
Whenever it comes to the cheapest auto insurance bay area, the residents can easily find premium deals for their auto or car insurance. Like all other things in the city, the best auto insurance in San Francisco is pretty more expensive than insurance policies in other areas of the country; but this doesn’t mean that there’s no better deal! In and around San Francisco, the insurance quotes are significantly useful tools for everyone who is looking for coverage at a pocket-friendly price. While buying the best auto insurance in the bay area, you must always keep in mind that San Francisco insurance quotes are only effective when you know how to use them.
So, let’s start with this informative article where you will get an answer to all your queries relating to “Cheap Car Insurance San Francisco.”
Who Has The Cheapest Car Insurance In San Francisco?
The rates of best auto insurance in San Francisco are very high; therefore, you might be looking for the cheapest auto insurance bay area. The journey of deciding who has the best and cheap car insurance in San Francisco to suit your requirements entirely depends upon what is most important to you! For some of you, it may be price, while for others, it might be the customer service that values the most. Apart from all these things, the discount is another important factor that is highly considered while choosing the best insurance provider in San Francisco.
San Francisco drivers can save money on car insurance by avoiding speeding tickets, at-fault accidents, and DUIs. All the Insurance companies use your driving history as a way to predict and identify what kind of risk you will pose to them. So, by not having any of these violations, you are less likely to be at risk and therefore a cheaper customer for them.
With the availability of a wide range of auto insurance providers, it becomes confusing and challenging for people to find out the best and cheap auto insurance San Francisco. We have listed below some of the top cheap car insurance providers in San Francisco to help you out with this. Have a look!
| Company | Annually |
| Esurance | $1,096 |
| GEICO | $1,123 |
| Progressive | $1,156 |
| MetLife | $1,307 |
| USAA | $1,338 |
| State Farm | $1,381 |
| Allstate | $1,423 |
| Mercury | $1,547 |
| Farmers | $1,619 |
| Hartford | $1,673 |
| Allied | $1,738 |
| Travelers | $1,844 |
The above table shows that Esurance is one of the most affordable and cheapest cat insurance providers in San Francisco. Esurance offers an average annual premium of $1,096, which is much less expensive than the insurance premium which other insurance providers are providing. It is moreover $392 less than the average premium of car insurance in the city. This insurance premium rate is nearly 70.4% lower than the insurance premium rate of Travelers, which is one of the most expensive insurance providers in San Francisco.
What Is The Average Car Insurance Cost In San Francisco?
The residents of San Francisco enjoy the appealing ocean views and one of the highest average incomes in the major cities of the US. But unluckily, it is one of the most expensive cities to call home. So, it comes as no wonder and surprise that the rates of car insurance in San Francisco soar much above the state average and the national average. But one of the most surprising news for San Francisco residents is that you can easily trip down the cost of your monthly car insurance by choosing the cheapest auto insurance bay area that offers multiple discounts.
Now, if we talk about the average car insurance cost in San Francisco, then it is $1,573 per year. This average car insurance rate in San Francisco is pretty much higher than the national and state average cost of auto insurance. All the drivers living in the city can expect to pay nearly 4.2% higher than the annual average of California, which is $1,479.
This was all about the average car insurance cost in San Francisco. Now let’s move forward and have a look at how you can get cheap car insurance San Francisco!
How To Get Cheap Car Insurance In San Francisco?
After choosing the best auto insurance in the bay area for your vehicle, the next question that may strike your mind is – “How to Get the Cheap Car Insurance.” The high prices of auto insurance in San Francisco do not mean that you can run your vehicle without getting it insured. The city has several rules and regulations that have made auto insurance compulsory for every vehicle owner.
The premium of your auto insurance depends upon a variety of factors that can have a significant impact on lowering down the cost of your car insurance in San Francisco. All the insurance companies work things out in their own way that makes it confusing for you to know how you can get cheap car insurance. So, with the insurance costs on the hike, we have listed below some of the essential tips that can help you in lowering down the cost of your best auto insurance in San Francisco.
- Shop Around
The first thing that you can do to get cheap auto insurance San Francisco is to shop around. The prices of the best auto insurance in the bay area may vary from company to company, so it always pays to shop around first and then selecting the best and cheapest auto insurance bay area. In your journey of choosing the most affordable car insurance service provider in San Francisco, it is recommended to get at least three or four price quotes from different insurance companies. You can either call the companies directly, or you can even find the relevant information on the internet. By shopping around and comparing the price quotes of different insurance providers, you can get an idea about who is the cheapest and the best.
- Ask For Higher Deductibles
Asking for higher deductibles is another trick that will help you in getting cheap car insurance San Francisco. Deductibles are generally the amount that you pay before your insurance policy kicks in. So, by requesting higher deductibles, you can easily lower down the cost of your insurance substantially. For example, if your deductible is $200, then you can increase your deductible to $500 in order to reduce the cost of your comprehensive and collision coverage by 15% to 30%.
- Reduce Coverage on Older Cars
If you have an old car and you want to get cheap auto insurance San Francisco, then you can reduce the coverage on the older cars. Consider dropping the comprehensive or collision coverages on your older car, and then you can reduce the price of your insurance premium to a certain level. This means that if your car is worth less than ten times the premium, then, in that case, purchasing the premium may not prove to be cost-effective. So, you can check the worth of your car and then decide whether you need to reduce the coverage on it or not.
- Maintain An Excellent Credit Record
Maintaining an excellent credit record is another way to cut down the cost of your best auto insurance in San Francisco. Most of the insurance providers consider your credit history in order to price the auto insurance policies for you. Most of the research shows that people who manage their credit effectively have fewer claims than those who don’t have a good credit record. So, by establishing a solid credit record, you can easily reduce the cost of your car insurance in San Francisco.
- Keep A Clean Driving Record
Another way to cut down the cost of your auto insurance policy in San Francisco is by keeping a clean driving record. Most insurance providers consider a list of factors while determining the price of insurance policies. The clean driving record is one of those factors that influence the cost of your auto insurance in San Francisco. Most of the safe drivers get some of the best rates for their auto insurance policies as compared to those who have a bad driving record. So, if you want to cut down the price of your auto insurance policy, then make sure to have a clean driving record with no speeding tickets and DUI.
- Take Advantage Of Low Mileage Discounts
Last but not least, you can even take advantage of low mileage discounts in order to cut down the cost of your best auto insurance in the bay area. Some of the well-known insurance providers in San Francisco offer discounts to motorists and drivers who drive a lower than an average number of miles per year. The low mileage discounts can also be availed by the driver who carpools to work.
All these were the secrets that will surely help you to reduce the cost of your car insurance in San Francisco!
Cheap Car Insurance Companies In San Francisco
Whenever you buy car insurance in San Francisco, an essential thing that you may consider is- which is the cheapest car insurance company! Well, with the availability of a wide range of auto insurance providers in the city, it might be challenging for you to know who is the cheapest and the best. Different auto insurance companies in San Francisco charge different prices from different customers. The major reason behind this is that the insurance prices are greatly influenced by a variety of factors that involves credit history, driving record, age, gender, etc.
So, with all these factors affecting the rates of your car insurance, it is essential for you to find cheap auto insurance San Francisco. To help you out with this, we have listed below the top insurance providers in San Francisco along with their average annual rate, who are very well known for offering auto insurance policies at lower prices.
- Century National: $1,154
- Progressive: $1,347
- Unitrin: $1,476
- Allied/ Nationwide: $1,589
- Kemper Specialty: $1,713
- Bristol West: $1,865
- Geico: $1,914
- Nationwide: $2,214
- Grange: $2,264
- State Farm: $2,304
- Erie: $2,354
- Safeco: $2,269
From the list mentioned above, we found that Century National is the cheapest auto insurance provider in the city of San Francisco that charges only $1,154 per year for full coverage insurance. So, if you’re sea for cheap car insurance San Francisco, then you can choose any of the insurance providers mentioned above as per your needs and requirements.
Best 10 Auto Insurance In San Francisco
Who offers the best and cheap auto insurance San Francisco entirely depends upon what you expect from the insurance provider. If you look for the cheapest auto insurance bay area, then the cheapest may not always be the best, but on the other hand, it does not necessarily mean that an affordable insurance provider is a wrong provider either. There are situations when well-known and reputed insurance providers are able to provide cheaper auto insurance premiums to some of their clients.
So, if you are getting confused regarding who is the best auto insurance provider in San Francisco, then we are here to help you out. As per our research, we have listed below the top 10 best auto insurance providers in San Francisco that are highly preferred by many San Francisco drivers!
- Liberty Mutual
- USAA
- Progressive
- GEICO
- Liberty Mutual
- Allied
- Nationwide
- Allstate
- State Farm
- Grange
From the above-mentioned list, you can choose any of the auto insurance providers and be stress-free because all of them will offer you excellent auto insurance services in San Francisco at the best prices.
What Are The Different Types Of Auto Insurance Coverage?
Do you know all are the different types of car insurance available in San Francisco? If no, then this section has got you covered! If you’re shopping for auto coverage, then knowing the different types of auto insurance and their coverages is a crucial step in getting an insurance policy that’s perfect for you.
So, let’s have a look at some of the basic auto insurance coverage types!
- Liability Coverage
Liability coverage is required in almost all US states as a legal requirement to drive a vehicle. Liability insurance may help cover the damages for injuries and property damage caused to the other party for which you become legally responsible resulting from a covered accident.
- Comprehensive Insurance
Comprehensive insurance offers an extra level of coverage in the case of an accident that involves another vehicle. It may help pay for the damage to your vehicle due to incidents besides collisions, including vandalism, certain weather events, etc.
- Collision Insurance
Collision insurance generally covers the damage to your car after an accident involving another vehicle and may help you replace or repair a covered vehicle.
- Medical payments coverage
Medical expenses after an accident can be very costly. The Medical payments coverage can help you pay the medical costs that are linked to a covered accident, disregarding who is at-fault.
- Personal Injury Protection Insurance
Personal injury protection insurance covers the medical expenses and income loss that results from a covered accident. Depending upon the limits of a policy, personal injury protection could cover as much as 80% of medical expenses and other expenses arising from a covered accident.
San Francisco Auto Insurance Requirements
Every state has its own regulations that require every driver to maintain the minimum insurance requirements. Now, if we talk about the drivers across the city of San Francisco and the entire Bay Area, then they must always make sure they have an auto insurance policy that perfectly meets the minimum auto coverage requirements for the state of California. The minimum auto insurance coverages in California involve:
- Property Damage Liability: $5,000 per accident
- Bodily Injury Liability: $15,000 per person or $30,000 per accident
- Uninsured Motorist Property Damage: $3,500 per accident
- Uninsured Motorist Bodily Injury: $15,000 per person or $30,000 per accident
Apart from the above-mentioned minimum auto insurance coverages, you can buy any of the additional coverages as well as per your insurance needs and requirements.
Cheap Auto Insurance Quotes In San Francisco For Minimum Coverage
The cheapest and the best auto insurance in the bay area for minimum coverage as per different age groups are listed below:
Cheapest minimum coverage in San Francisco for 20-year-olds
- Grange Insurance Association: $694 per year.
- CSAA: $655 per year.
- Allstate: $789 per year.
- Geico: $722 per year.
- Wawanesa: $802 per year.
- Nationwide: $867 per year.
- Travelers: $905 per year.
Cheapest minimum coverage in San Francisco for 30-year-olds
- CSAA: $445 per year.
- Allstate: $480 per year.
- Mercury: $536 per year.
- Geico: $589 per year.
- Erie: $637 per year.
- Progressive: $750 per year.
- Grange Insurance Association: $792 per year.
Cheapest minimum coverage in San Francisco for 40-year-olds
- Geico: $458 per year.
- Nationwide: $546 per year.
- CSAA: $617 per year.
- Mercury: $695 per year.
- Allstate: $743 per year.
- Grange Insurance Association: $829 per year.
- Progressive: $875 per year.
Cheapest minimum coverage in San Francisco for 50-year-olds
- CSAA: $410 per year.
- Grange Insurance Association: $478 per year.
- Geico: $520 per year.
- Allstate: $584 per year.
- Travelers: $635 per year.
- Progressive: $685 per year.
- State Farm: $714 per year.
Cheapest minimum coverage in San Francisco for 65-year-olds
- Geico: $380 per year.
- Allstate: $352 per year.
- State Farm: $485 per year.
- Wawanesa: $443 per year.
- Progressive: $518 per year.
- CSAA: $556 per year.
- Grange Insurance Association: $590 per year.
Cheap Car Insurance Companies In San Francisco For Drivers With Bad Credit
While determining the prices of auto insurance policies, the auto insurance service providers consider a plethora of factors that have a great impact on the insurance policies’ price. One such factor is the credit score. The credit score of a driver influences the price that he/she has to pay for an auto insurance policy.
When it comes to San Francisco, the average credit score in San Francisco is slightly more than the national average, and therefore it is not a factor that influences the auto insurance rates in the state. The average score in the United States hit a record high of 703, which is lower than the San Francisco average score of 708. While auto insurance providers in many states use credit scores to determine premium costs, but San Francisco is an exception here. The insurance providers in San Francisco cannot use the credit score of the driver to influence the cost of car insurance.
San Francisco Cheap Car Insurance Quotes For Young Drivers
If you have queries relating to the best auto insurance in the bay area for young drivers, then you will get an answer here! Drivers in the age of 20 may have to get multiple quotes in order to find cheap auto insurance San Francisco. The prices may be sky-high initially, but they will tend to come down as the drivers will gain driving experience on the road.
For the young drivers who are 20 years old, there are a plethora of insurance providers available in San Francisco who offers insurance policies at cheaper rates. Do you want to know who those insurance providers are? Well, have a look!
Cheapest Full Coverage Insurance for 20-Year-Old driver
- Esurance: $2,150 per year
- Geico: $2,325 per year
- Allstate: $2,302 per year
- CSAA: $2,415 per year
- Wawanesa: $2,498 per year
- State Farm: $2,613 per year
- Grange Insurance Association: $2,680 per year
Cheapest Minimum Coverage Insurance for 20-Year-Old driver
- Geico: $657 per year
- Wawanesa: $734 per year
- Nationwide: $798 per year
- Travelers: $835 per year
- Grange Insurance Association: $855 per year
- Progressive: $845 per year
- CSAA: $897 per year
Cheapest for 20-year-Old Driver With One At-Fault Crash
- Esurance: $1,098 per year
- Travelers: $1,175 per year
- Nationwide: $1,289 per year
- Grange Insurance Association: $1,357 per year
- State Farm: $1,390 per year
- CSAA: $1,422 per year
- Geico: $1,467 per year
Cheapest for 20-year-Old Driver After A DUI
- National General: $1,085 per year
- Geico: $1,187 per year
- Erie: $1,245 per year
- Grange Insurance Association: $1,386 per year
- Travelers: $1,469 per year
- Allstate: 1,653 per year
- Mercury: $1,790 per year
Cheap Auto Insurance Quotes In San Francisco After A DUI
Getting cheap car insurance San Francisco after a DUI is not that tough. There are multiple insurance providers in San Francisco who offer affordable insurance policies to drivers after a DUI. DUI basically stands for “Driving Under Influence.” Driving under the influence of alcohol is a big mistake that you must always avoid committing. If you drive under the influence and the police arrest you before you get into an accident, then getting charged with DUI can have a significant impact on your cheap auto insurance San Francisco.
If you have ever been caught driving under the influence of alcohol or drugs, then your driving license can get suspended, and you may also have to spend some time in jail. Therefore, to avoid all these punishments, you must always have a clean driving record. But what if you are charged with DUI? Will you have to pay an increased amount of insurance premium for your fault? Well, this is not true. There are some insurance providers in San Francisco who offer cheap auto insurance quotes after a DUI. Do you want to know who those insurance providers are?
Have a look!
- Esurance: $2,698 per year
- Progressive: $2,810 per year
- Allstate: $3,445 per year
- Nationwide: $3,514 per year
- Safeco: $2,689 per year
- State Farm: $2,784 per year
- Geico: $3,155 per year
- USAA: $3,268 per year
All the above mentioned are the San Francisco insurance providers who offer cheap auto insurance policies to the drivers who are charged with DUI. Amongst them all, Esurance is the most affordable that charges only $2,698 annually. Apart from all this, you must always keep in mind that you may be rejected for coverage, including from the companies listed above, in case of a DUI. The rates may vary by hundreds between carriers after a DUI, and some of the insurance providers may penalize you for longer than others; therefore, it’s essential for you to shop around first and then choose the cheapest auto insurance bay area after a DUI.
Is San Francisco Auto Insurance A No-Fault State?
Before buying the best and cheap auto insurance San Francisco, it is essential for you to know whether San Francisco is a “No-Fault” State or an “At-Fault” State!
In “No-Fault,” insurance states, the individuals involved in the car accidents are wholly responsible for all of their own injuries and damages despite who was at fault during the accident. In simple words, we can say that if a driver ran a red light and went rushing into the side of another car which was obeying the law, then in that case, the driver of the other vehicle will not be able to pursue the damages for the accident caused. Instead, he/she will have to contact his/her own insurance company to collect the compensation for the property damage, lost wages, and medical expenses.
Now, if we talk about whether San Francisco is a “No-Fault” state or “At-Fault” state, then the answer is “At-Fault” State. Yes, the city of San Francisco is an “At-Fault” state where the insured driver can file a claim to the insurance company of the other driver at fault in case of an accident. Not only this but after receiving the claim, the drivers in San Francisco do still retain their rights to sue the other driver for additional damages.
San Francisco Auto Insurance Average Full Coverage Cost Per Carrier
Are you confused regarding who are the best insurance providers in San Francisco when it comes to full coverage auto insurance? If yes, then we’re here to help you out. But before moving forward towards listing the best and cheapest full coverage auto insurance providers in San Francisco, it is essential first to understand what full coverage insurance is!
The full coverage auto insurance may mean different things to different people, which entirely depend upon the driver. Basically, a full coverage car insurance policy meets all the state requirements for liability insurance, and it involves collision and comprehensive coverage as well. However, you can even have higher liability limits than what your state requires. In full coverage car insurance, you can even involve a combination of other optional coverages that may offer you more protection and safety while you drive on the road.
This was all about what full coverage insurance is! Now, let’s move ahead to the most crucial part, i.e., who are the best and cheapest full coverage auto insurance providers in San Francisco!
Cheapest full coverage in San Francisco for 20-year-olds
- Esurance: $2,109 per year
- Geico: $2,314 per year
- Progressive: $2,398 per year
- CSAA: $2,425 per year
- Nationwide: $2,497 per year
- Wawanesa: $2,552 per year
- Grange Insurance Association: $2,598 per year
Cheapest full coverage in San Francisco for 30-year-olds
- Esurance: $1,391 per year
- Wawanesa: $1,452 per year
- Allstate: $1,516
- CIG: $1,589 per year
- CSAA: $1,623 per year
- State Farm: $1,667
- Geico: $1,716 per year
Cheapest full coverage in San Francisco for 40-year-olds
- Geico: $1,297 per year
- Wawanesa: $1,359 per year
- Nationwide: $1,416 per year
- Grange Insurance Association: $1,478 per year
- State Farm: $1,524 per year
- Esurance: $1,567 per year
- CSAA: $1,595 per year
Cheapest full coverage in San Francisco for 50-year-olds
- State Farm: $1,297 per year
- Wawanesa: $1,355 per year
- 21st Century: $1,389 per year
- Allstate: $1,466 per year
- Esurance: $1,497 per year
- CSAA: $1,518 per year
- Geico: $1,582 per year
Cheapest full coverage in San Francisco for 65-year-olds
- Geico: $1,289 per year
- Esurance: $1,345 per year
- Wawanesa: $1,390 per year
- Progressive: $1,421 per year
- State Farm: $1,456 per year
- CSAA: $1,523 per year
- Allstate: $1,619 per year
Cheapest Car Insurance Companies In San Francisco For Seniors
In San Francisco, there are more than 5.5 million drivers older than 55, and 2.5 million are 70 or older. When shopping for cheap car insurance San Francisco, seniors should ask for any discounts available for undertaking driver safety courses, discounts for driving infrequently, and discounts for choosing a vehicle with useful safety features. These are other options that seniors can consider when it comes to choosing the best auto insurance in San Francisco that comes light on the budget.
However, below are the average auto insurance rates for seniors in San Francisco.
- Esurance: $1,205/per annum
- Progressive: $1,256/per annum
- USAA: $1,317/per annum
- Geico: $1,359/per annum
- Nationwide: $1,462/per annum
- State Farm: $1,523/per annum
- Allstate: $1,578/per annum
San Francisco Car Insurance Common Questions and Answered
Can I avail car insurance if I don’t own a car?
Yeah, that’s true; you can avail cheap car insurance San Francisco as many auto insurance providers sell insurance plans known as non-owners. These plans do not typically cover collision or comprehensive coverage but provide standard liability coverage as well as may allow you to add uninsured/underinsured motorist protection.
If you don’t have your own vehicle and travel often, either through borrowing vehicles, using cab services, or renting cars, non-owner auto insurance can be a very affordable option.
What is Medical Payments Coverage?
This coverage includes medical expenses from an accident for either yourself or your passengers, irrespective of fault. In other words, you can use this provision to pay medical bills caused by you or any other person in your car until the insurance limit you select is reached if you were at fault for the collision. Your health insurance deductibles can also be reimbursed under the medical payment coverage of your auto insurance policy. It can be payable for emergency services, such as ambulance services, that are not covered by many health insurance schemes. It may also be used for medications such as acupuncture, massage, or chiropractic manipulation if these options are not included in your health insurance. This is not mandatory coverage, but if you need it, then you can request this option.
Does car insurance cover rental cars?
Comprehensive and collision coverage is applied to rental vehicles, whereas liability insurance doesn’t cover. You should review the policies to see if coverage is available to rental cars and, if so, what stipulations or conditions can apply. If your insurance policy doesn’t offer rental auto coverage, then you might have some limited coverage from your credit card; you can buy insurance from a rental car firm, or you can buy a standalone rental car policy – which is cheaper as compared to what the rental firm will offer to you.
What happens If I lie about my driver record?
If you’re lying about your driving records, the DMV reports that you’re committing what’s known as a soft fraud. If you’re lying, the insurance provider will deny you services and terminate your insurance policy.
What factors are causing my premium to be so high?
This is a valid query if you believe your premium is excessive. What you are doing with this question is asking the insurance provider to give you clear explanations why your premiums are so high. This will allow you the ability to fix the offending causes and, if possible, find a way to work around them.
For example, if too many traffic violations cause high premiums, you might ask if engaging in a defensive driving course will lower your premium.
Teen driver. What discounts might help keep my car insurance lowered so that I can save some money?
There are things to remember if you have a teen driver in your house to help you save money and avail the best auto insurance in the bay area.
Plan ahead of you! Let your teen know that if they hold a 3.0 (B) average or better and are enrolled in school, college, or university, various car insurers will give a discount or offer the cheapest auto insurance bay area to reward their hard work! As parents, this helps us in two ways; we are grateful to have a good student, and we can use any discount we can get when it comes to having teenagers!
Some insurance companies offer incentives when your teen successfully completes a driving training course. Again, as parents, this will help us in two ways; one obvious, your teen may take a training course, and two that could qualify you for a further discount on your car premium.
The cost of your insurance will be influenced by how you want to insure your teen. Speak to your representative about the following choices.
Is it a choice to make your teen an occasional driver on your policy? If a young driver does not have his car available at all times of the day, in some cases, being an occasional driver who is not a primary driver can help to eliminate the cost of adding a teenager to your policy.
Often explore with your representative the possibilities and benefits of having a teenage driver under their policy. This could be best suited to your needs if the teen has their vehicle, title, and registration, primarily for liability purposes.
Then there is the option of getting your teen classified as the primary to your policy, which may raise your best auto insurance cost in San Francisco more than likely, but could better suit your coverage needs and circumstance.
Know that insurers and states will differ in the discounts and coverage provided, so be sure to consult with your agent to see the cheapest auto insurance bay area available for your policy and status. As always, your agent should be able to direct you through this decision-making process to help ensure that you and your teen have the coverage you need.
What is an SR-22?
The SR-22 is also considered insurance, but legally it is not. It’s just a certificate from your insurer that means you have insurance coverage. A judge can order the SR-22 if you have a less-than-perfect driving record, such as multiple move violations or a DUI. The SR-22 typically has a filing fee of about $25, which remains with you for about three years.
