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San Francisco Car Insurance Costs

San Francisco, California, is a captivating city that captivates visitors with its iconic landmarks, cultural diversity, and breathtaking vistas. Nestled on a hilly peninsula surrounded by the Pacific Ocean and the San Francisco Bay, San Francisco offers a unique blend of natural beauty, innovation, and a vibrant urban atmosphere for its residents and visitors. Before hitting the road and seeing all that San Francisco has to offer you’ll need a good car insurance policy.

We will dive into the average costs of auto insurance based on different coverage in this guide.

San Francisco car insurance quotes

Which Company Has the Cheapest Car Insurance in San Francisco, CA?

In San Francisco on average the cheapest auto insurance provider is GEICO and TripleA – AAA. State minimum coverage starts at $48 monthly or $579 a year – Full coverage would cost $204 a month or $2,451 a year. Here is a breakdown of average costs from the cheapest providers for a used car driver who is single, middle aged and has a clean driving record:

Insurance Provider:Minimum Liability:Monthly Cost:Full Coverage:Monthly Cost:
State Farm$1,087$91$3,924$327
Interinsurance Exchange$1,120$93$3,763$314

California Insurance Costs for Different Used Vehicle Types:

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Luxury Coupe$899$75$5,114$426
Hybrid Electric$963$80$3,688$307
Car (4door)$979$82$3,501$292

California Insurance Costs for New Cars

We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door)$980$82$4,277$356
Hybrid Electric$989$82$4,567$381
Luxury Coupe$968$81$6,434$536

Compare Rates from Nearby CA Cities

In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:

CA City:Minimum Liability:Monthly:Full Coverage:Monthly:
Casa de Oro-Mount Helix$974$81$4,132$344

How Does Age Affect Your Auto Policy Rates in California?

In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.

Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.

Here is a breakdown of the average costs for car insurance based on age in California:

Age:State Minimum:Monthly:Full Coverage:Monthly Cost:

Car Insurance Requirements in CA

In California cities the minimum coverage for car insurance and liability insurance required is:

Driving Conditions in San Francisco

Heavy traffic is typical in all major metropolitan areas in California. Unique situations in San Francisco include Lombard Street. Known as the crookedest street in the world, the sharp turns on Lombard Street can cause stress for motorists. Driving across the Golden Gate Bridge is also a nerve-racking experience because of traffic congestion that is caused by a combination of commuters trying to get across the bridge and tourists visiting the famous site.

San Francisco Crime Statistics

Information related to auto thefts and property crime in cities across the country has been provided by the FBI. Crash statistics and drunk driving statistics are available from the California Office of Transportation.

6,915 vehicles were reported stolen in San Francisco. Also, 53,019 property crimes were reported that year.

San Francisco Vehicle and Driving Safety Laws

Seat Belt Law

Children under age 2 must ride facing the rear of a vehicle in an appropriate child passenger safety seat, according to the California Highway Patrol. Children weighing at least 40 pounds or standing at least 40 inches tall are exempt. Children under age 8 must be properly restrained in an appropriate child safety seat in the back seat of a vehicle.

Cellphone Laws

Motorists can’t hold a wireless telephone or electronic wireless communication device while driving a vehicle, the California Highway Patrol says; however, hands-free use is allowed. Instead of a device being held, it must be mounted in the 7-inch square in the lower corner of the windshield farthest removed from the driver or in a 5-inch square in the lower corner of the windshield nearest to the driver. Another option: Attach the device to the dashboard where it does not block the driver’s view of the road and does not hinder airbag deployment.

Helmet Laws

Anyone under age 18 must wear a helmet when riding a bicycle on a street, bikeway or public bike path or trail. Helmet use also is mandated for anyone under 18 who’s riding a scooter or skateboard, or using inline skates.

Impaired Driving Law

For drivers over age 21, the blood alcohol limit for DUI is 0.08 percent. A first-time DUI conviction can lead to a $1,000 fine, plus more than $2,600 in penalty assessments; a six-months jail sentence; a six-month license suspension; a 30-day vehicle impoundment; and installation of an interlock breath device in the driver’s vehicle.

Under California law, authorities have “zero tolerance” for anyone under 21 who’s been caught driving under the influence. The state Department of Motor Vehicles automatically suspends or revokes the driving privileges of a driver under 21 who was busted for DUI (alcohol or a combination of alcohol and drugs) who had a blood alcohol level of at least 0.01 percent or refused to take a blood alcohol screening or test.

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