San Francisco, CA Car Insurance

On average, drivers in San Francisco pay around $54 per month for their car insurance. We cover what goes into these plan rates, policies, and more in our guide below.
Compared to their surrounding area, how do rates in San Francisco stack up? How about against the rest of California? How much can residents of San Francisco expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in San Francisco?

Area Average Monthly Car Insurance Premium
San Francisco$54
United States$79

As you can see in the chart above, it costs about the same to insure your vehicle in San Francisco as it does in the rest of California.

When viewed against the average rates for the rest of the U.S., coverage in San Francisco is rather affordable. It's about $25 cheaper than the national average to insure your vehicle in San Francisco.

While these are the average car insurance rates for San Francisco, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we ve broken down the average rate for San Francisco residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$134

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older, for example.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to creep back up a bit.

Average Car Insurance Rates by Gender

Gender Average

Female drivers pay, on average, a little less than their male counterparts. In San Francisco, however, men buck that trend and actually pay slightly less than female drivers for car insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$66
1 Ticket$68
Multiple Tickets$75

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In San Francisco, drivers with one accident on their record will experience rates around $68 a month. In addition, drivers with one ticket can expect to pay around $92 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$48
4-5 Years$48
6-7 Years$54
8-10 Years$56
11-14 Years$55
15 Years or Older$55

The most affordable vehicles to insure in San Francisco are for the most part SUVs.

The monthly premium for car owners is about $54 a month, while SUV owners' policies run them around $51 per month.

On the other hand, truck and van drivers typically pay around $58.

The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in San Francisco, however, are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55

Generally speaking, car insurance is slightly cheaper for married policy-holders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference between single and married drivers in San Francisco is about $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$89

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in San Francisco, expect to pay around $6 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in San Francisco, CA

Recent trends in car insurance for San Francisco drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when choosing your car insurance policy.

In San Francisco, the rates for auto insurance increased from 2016-2017, when they reached a high of $65. This trend shifted in 2020, when they began to decrease, and have continued on that path through the present -- when rates hit a low of $43 a month in 2021.

How does San Francisco compare to neighboring areas?

Why are car insurance rates in San Francisco different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Prevalence of crime
  • Road Safety (total number of local car accidents)
  • Availability of off-street parking
  • Number of drivers in the area
  • Area laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in San Francisco?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in San Francisco.

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San Francisco Insurance FAQs

What factors affect car insurance quotes in San Francisco?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in San Francisco different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in San Francisco?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like to compare multiple quotes at once.

Do I need to change my insurance if I move to San Francisco?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Francisco or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if can save you any cash.

Find your best rate in just a few minutes