South San Francisco, CA Car Insurance

On average, South San Francisco drivers pay around $52 a month for their car insurance. To find out more check out our guide below.
What can South San Francisco residents expect to pay for their car insurance? Are rates in South San Francisco higher or lower than those in neighboring areas? How do they compare to the rest of California? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in South San Francisco?

Area Average Monthly Car Insurance Premium
South San Francisco$52
CA$56
United States$80

Auto insurance coverage in South San Francisco is about $4 cheaper than it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in South San Francisco. Car insurance rates for the United States as a whole are, on average, $28 more expensive than the rates you'd pay in South San Francisco.

Although these are the average monthly costs for an auto insurance policy in South San Francisco, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for South San Francisco so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$47
35-44$47
45-54Not Enough Data
55-64$45
65+$47

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up in South San Francisco.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$54

On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in South San Francisco is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$49
1 Ticket$62
Multiple Tickets$66

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. The rate for drivers in South San Francisco with a single accident on their record is about $70 a month. Similarly, drivers with one ticket will typically pay around $62 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$49
4-5 Years$51
6-7 Years$54
8-10 Years$51
11-14 Years$55
15 Years or Older$49

According to the first table above, SUVs are by and large the cheapest vehicles to insure in South San Francisco, with drivers paying around $50 per month for insurance.

Car owners will see rates of about $52, while truck and van owners typically pay around $53 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In South San Francisco, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$49
Divorced$44
Widowed$38

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. South San Francisco is no exception, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$54
Live with parents$62

Another factor that comes into play is your living situation. If you rent your home or apartment in South San Francisco, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in South San Francisco, CA

Recent trends in car insurance for South San Francisco drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

In South San Francisco, the rates for auto insurance went up from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $51 per month

How does South San Francisco compare to neighboring areas?

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

Car insurance companies take in many factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Total drivers
  • Road Safety (frequency of car accidents)
  • Prevalence of crime
  • Off-street parking access
  • Local laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.

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

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in South San Francisco.

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South San Francisco Insurance FAQs

What factors affect car insurance quotes in South San Francisco?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to South 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 Compare.com 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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to South San Francisco or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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