Overview of Auto Insurance in San Francisco

As the 4th largest city in California, San Francisco residents have a lot of insurance companies to choose from. With over 864,000 people living in San Francisco, auto accidents are bound to happen. With a highly educated population, a lot of residents in San Francisco can enjoy college degree discounts offered by many insurance companies. Major corporations (e.g. McKesson, Wells Fargo, PG&E Corp., Gap, Charles Schwab, salesforce.com) are headquartered here, enabling a lot of residents to save money on insurance with professional discounts. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in San Francisco won't have to worry about poor credit history when shopping for insurance. 99% of San Francisco residents live within half a mile of public transit, and 11% walk to work. If you drive less than 7,500 miles per year, consider buying usage-based insurance such as Metromile.

For a male driver living in San Francisco, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in San Francisco

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

Carrier Price
21st Century $4,990
AAA $3,205
Alliance United $5,395
Allstate $6,304
Amica Mutual $3,294
Anchor General $7,080
Bankers Standard $2,771
CSAA Insurance Exchange $4,696
CSE Safeguard $4,039
California Capital $3,688
California Casualty $2,933
Coast National $11,108
Encompass $4,011
Esurance $4,531
Everest National $1,479
Farmers $8,814
Federal Ins (CHUBB) $5,829
Financial Indemnity $5,580
Geico $3,038
Hartford $5,067
Horace Mann $2,128
Horace Mann Prop and Cas $2,276
IDS $5,324
Infinity $13,009
Kemper $4,891
Liberty Mutual $7,054
MAPFRE $5,931
Mercury $4,974
Metromile $3,369
Metropolitan Direct $3,308
National General/Integon $8,635
Nations Ins. Co. $5,369
Nationwide $5,876
Pacific Property & Casualty $4,324
Permanent General $5,221
Progressive West $4,632
Safeco $4,014
Safeway $6,048
State Farm $5,095
Traveler's Commercial $4,777
USAA $2,907
Progressive $5,556
Viking $13,412
Wawanesa $2,441
Western General $8,449

As you can see, the prices vary quite a lot in San Francisco. If you're wondering what's the best option for you, click here to get free insurance quotes today.

San Francisco Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in San Francisco.

851 Van Ness Avenue, 2nd Floor, San Francisco, CA 94109
1820 Van Ness Ave, San Francisco, CA 94109
333 Gellert Blvd #101, Daly City, CA 94015
408 16th Ave, San Francisco, CA 94118
655 14th St, San Francisco, CA 94114
5224 Diamond Heights Blvd, San Francisco, CA 94131
870 Market St #901, San Francisco, CA 94102
2190 3rd St, San Francisco, CA 94107
3372 22nd St, San Francisco, CA 94110
617 Monterey Blvd, San Francisco, CA 94127
6037 Geary Blvd, San Francisco, CA 94121
851 Van Ness Avenue, 2nd Floor, San Francisco, CA 94109
648 Stanyan St, San Francisco, CA 94117
1501 Church St, San Francisco, CA 94131
2020 Ocean Ave, San Francisco, CA 94127
556 Castro St, San Francisco, CA 94114
44 2nd St, San Francisco, CA 94105
1952 Union St, San Francisco, CA 94123

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.