- Average San Francisco car insurance cost is $3,124 per year, or about $260 per month.
- Crossover vehicles like the Mazda CX-5, Chevrolet Trailblazer, Subaru Crosstrek, and Ford Bronco Sport are the top choices for cheap car insurance in San Francisco.
- Models with the lowest cost car insurance in San Francisco for their segment include the Nissan Titan at $2,920 per year, Toyota GR Corolla at $2,710 per year, Jaguar E-Pace at $2,918 per year, and Kia K5 at $3,010 per year.
- Car insurance quotes in San Francisco can vary from as low as $30 per month for minimum liability insurance to over $654 per month for high-risk drivers.
How much does San Francisco car insurance cost?
The average car insurance cost in San Francisco is $3,124 per year, which is 31.4% more than the overall national average rate of $2,276. The average monthly cost of car insurance in San Francisco is $260 for a full-coverage car insurance policy.
In the state of California, the average car insurance cost is $2,884 per year, so the average cost in San Francisco is $240 more per year. The average cost of car insurance in San Francisco compared to other California locations is $364 per year less than in Los Angeles, $472 per year more expensive than in San Diego, and $382 per year more than in San Jose.
The chart below shows average San Francisco auto insurance cost for all 2024 models. Rates are averaged for all San Francisco Zip Codes and shown not only by the age of the driver, but also by three different comprehensive and collision deductibles.
In the chart above, the cost of auto insurance in San Francisco ranges from $2,192 per year for a 60-year-old driver with a policy with high physical damage deductibles to $7,308 per year for a 20-year-old driver with a low deductible. From a monthly standpoint, the average cost in the previous chart ranges from $183 to $609 per month.
The age of the driver influences the price you pay for car insurance, so the list below illustrates these differences by showing average car insurance rates in San Francisco for driver ages from 16 to 60.
Average cost of car insurance in San Francisco, CA, by driver age
- 16-year-old driver – $11,122 per year or $927 per month
- 17-year-old driver – $10,777 per year or $898 per month
- 18-year-old driver – $9,658 per year or $805 per month
- 19-year-old driver – $8,793 per year or $733 per month
- 20-year-old driver – $6,284 per year or $524 per month
- 30-year-old driver – $3,332 per year or $278 per month
- 40-year-old driver – $3,124 per year or $260 per month
- 50-year-old driver – $2,770 per year or $231 per month
- 60-year-old driver – $2,594 per year or $216 per month
Which autos have the cheapest car insurance?
When comparing all car, SUV, and pickup models, the models with the cheapest auto insurance prices in San Francisco, CA, tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Nissan Kicks.
Average car insurance rates for those models cost $2,538 or less per year ($212 per month) for full coverage car insurance.
A few other vehicles that have very good insurance quotes in our car insurance cost comparison are the Buick Encore, Volkswagen Taos, Subaru Outback, and Kia Niro. Average car insurance rates are slightly higher for those models than the cheapest compact SUVs and crossovers at the top of the list, but they still have average rates of $2,710 or less per year in San Francisco.
The following table shows the 30 cheapest vehicles to insure in San Francisco, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,306 | $192 |
| 2 | Chevrolet Trailblazer | $2,346 | $196 |
| 3 | Kia Soul | $2,438 | $203 |
| 4 | Nissan Kicks | $2,458 | $205 |
| 5 | Honda Passport | $2,488 | $207 |
| 6 | Buick Envision | $2,500 | $208 |
| 7 | Toyota Corolla Cross | $2,516 | $210 |
| 8 | Hyundai Venue | $2,538 | $212 |
| 9 | Mazda CX-5 | $2,546 | $212 |
| 10 | Ford Bronco Sport | $2,558 | $213 |
| 11 | Volkswagen Tiguan | $2,582 | $215 |
| 12 | Acura RDX | $2,610 | $218 |
| 13 | Nissan Murano | $2,624 | $219 |
| 14 | Buick Encore | $2,652 | $221 |
| 15 | Subaru Outback | $2,658 | $222 |
| 16 | Honda CR-V | $2,662 | $222 |
| 17 | Buick Envista | $2,670 | $223 |
| 18 | Volkswagen Taos | $2,676 | $223 |
| 19 | Kia Niro | $2,690 | $224 |
| 20 | Toyota GR Corolla | $2,710 | $226 |
| 21 | Subaru Ascent | $2,716 | $226 |
| 22 | Honda HR-V | $2,718 | $227 |
| 23 | Nissan Leaf | $2,736 | $228 |
| 24 | Chevrolet Colorado | $2,748 | $229 |
| 25 | Lexus NX 250 | $2,762 | $230 |
| 26 | Honda Civic | $2,764 | $230 |
| 27 | Volkswagen Atlas | $2,768 | $231 |
| 28 | Subaru Forester | $2,776 | $231 |
| 29 | Acura Integra | $2,778 | $232 |
| 30 | Volkswagen Atlas Cross Sport | $2,780 | $232 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
A list of 30 vehicle models with cheap San Francisco car insurance doesn’t really provide a detailed summary of the cost of car insurance. Considering we track over 700 vehicles, less than 4% of total vehicles are shown. Let’s take a different approach and break out the cheapest models in a better format, by automotive segment.
The next section of this article showcases the different automotive segments and the average cost of auto insurance in San Francisco. The average rates shown will give you a good idea of which segments have the overall cheapest average car insurance rates. Then the following six sections show the cheapest insurance rates for specific models in each individual segment.
Car insurance rates by automotive segment
If you’re considering buying a new car, it’s useful to have an idea of which styles of vehicles have more favorable auto insurance rates.
For instance, many people wonder if midsize SUVs have more affordable insurance than full-size SUVs or which size of luxury car has costs less to insure.
The chart below shows average auto insurance cost by vehicle segment in San Francisco. In general, compact SUVs and midsize pickup trucks have the least expensive rates, with sports cars and performance luxury models having the most expensive average insurance cost.
Average auto insurance rates by segment are fine for making an overall comparison, but cost varies significantly within each of the segments displayed in the previous chart.
For example, in the midsize luxury car segment, car insurance rates in San Francisco range from the Mercedes-Benz CLA250 costing $3,214 per year for full coverage insurance up to the BMW M8 at $5,262 per year.
As another example, in the large luxury SUV segment, the cost of insurance ranges from the Infiniti QX80 costing $3,504 per year to the Mercedes-Benz G63 AMG costing $6,714 per year.
In the following sections, we eliminate much of the variability by analyzing the cost of auto insurance in San Francisco for specific vehicles rather than by segments.
Cheapest car insurance rates in San Francisco, CA
Ranking in the top five for the cheapest San Francisco car insurance rates in the car segment (excluding luxury models) are the Nissan Leaf, Honda Civic, Subaru Impreza, Toyota GR Corolla, and Nissan Sentra. Auto insurance rates for these 2024 models average $239 or less per month.
Not the cheapest in the list, but still ranking well, are cars like the Toyota Prius, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average cost of $3,042 per year or less.
Additional vehicles that rank well include the Nissan Versa, Subaru Legacy, Volkswagen Arteon, and Toyota Crown, which cost between $3,042 and $3,232 per year for auto insurance.
Auto insurance in this segment can cost as low as $226 per month, depending on the company.
The most budget-friendly non-luxury compact car to insure in San Francisco is the Toyota GR Corolla at $2,710 per year. For midsize cars, the Kia K5 has the cheapest rates at $3,010 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,974 per year.
The table below ranks the cars with the most affordable car insurance rates in San Francisco, starting with the Toyota GR Corolla at $226 per month and ending with the Mazda 3 at $269 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,710 | $226 |
| Nissan Leaf | Compact | $2,736 | $228 |
| Honda Civic | Compact | $2,764 | $230 |
| Nissan Sentra | Compact | $2,864 | $239 |
| Subaru Impreza | Compact | $2,870 | $239 |
| Toyota Prius | Compact | $2,918 | $243 |
| Kia K5 | Midsize | $3,010 | $251 |
| Honda Accord | Midsize | $3,016 | $251 |
| Chevrolet Malibu | Midsize | $3,030 | $253 |
| Toyota Corolla | Compact | $3,042 | $254 |
| Kia Forte | Compact | $3,050 | $254 |
| Volkswagen Arteon | Midsize | $3,066 | $256 |
| Nissan Versa | Compact | $3,078 | $257 |
| Subaru Legacy | Midsize | $3,084 | $257 |
| Hyundai Ioniq 6 | Midsize | $3,108 | $259 |
| Mitsubishi Mirage G4 | Compact | $3,152 | $263 |
| Toyota Crown | Midsize | $3,160 | $263 |
| Volkswagen Jetta | Compact | $3,160 | $263 |
| Hyundai Sonata | Midsize | $3,168 | $264 |
| Mazda 3 | Compact | $3,232 | $269 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap San Francisco car insurance quotes from the best companies in California.
Cheapest SUV insurance rates in San Francisco
Ranking highest for the most affordable San Francisco auto insurance rates in the non-luxury SUV segment are the Honda Passport, Kia Soul, Subaru Crosstrek, Nissan Kicks, and Chevrolet Trailblazer. Car insurance prices for these 2024 models average $2,488 or less per year, or around $207 per month.
Also ranking well in our comparison are SUVs like the Mazda CX-5, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with an average cost of $2,558 per year or less.
Some additional 2024 models that make the list include the Subaru Outback, Buick Envista, Volkswagen Tiguan, Subaru Ascent, and Honda HR-V, which average between $2,558 and $2,716 to insure per year.
From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $192 per month, depending on your company and location.
The lowest-cost non-luxury compact SUV to insure in San Francisco is the Subaru Crosstrek at $2,306 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $2,488 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,934 per year.
The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Subaru Crosstrek at $2,306 per year and ending with the Subaru Ascent at $2,716 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,306 | $192 |
| Chevrolet Trailblazer | Compact | $2,346 | $196 |
| Kia Soul | Compact | $2,438 | $203 |
| Nissan Kicks | Compact | $2,458 | $205 |
| Honda Passport | Midsize | $2,488 | $207 |
| Buick Envision | Compact | $2,500 | $208 |
| Toyota Corolla Cross | Compact | $2,516 | $210 |
| Hyundai Venue | Compact | $2,538 | $212 |
| Mazda CX-5 | Compact | $2,546 | $212 |
| Ford Bronco Sport | Compact | $2,558 | $213 |
| Volkswagen Tiguan | Compact | $2,582 | $215 |
| Nissan Murano | Midsize | $2,624 | $219 |
| Buick Encore | Compact | $2,652 | $221 |
| Subaru Outback | Midsize | $2,658 | $222 |
| Honda CR-V | Compact | $2,662 | $222 |
| Buick Envista | Midsize | $2,670 | $223 |
| Volkswagen Taos | Compact | $2,676 | $223 |
| Kia Niro | Compact | $2,690 | $224 |
| Subaru Ascent | Midsize | $2,716 | $226 |
| Honda HR-V | Compact | $2,718 | $227 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Is your SUV missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.
Cheapest pickup truck insurance rates in San Francisco
Ranking at the top for the cheapest San Francisco auto insurance rates in the pickup truck segment are the Nissan Titan, Chevrolet Colorado, Ford Maverick, Ford Ranger, and Nissan Frontier. Insurance rates for these 2024 models average $253 or less per month.
Additional pickups that rank well are the Toyota Tacoma, GMC Canyon, Honda Ridgeline, and GMC Sierra 2500 HD, with average cost of $3,214 per year or less.
From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $229 per month, depending on your location and insurance company. The rate comparison table below ranks the pickups with the cheapest car insurance rates in San Francisco.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,748 | $229 |
| Nissan Titan | Full-size | $2,920 | $243 |
| Nissan Frontier | Midsize | $2,954 | $246 |
| Ford Ranger | Midsize | $2,984 | $249 |
| Ford Maverick | Midsize | $3,030 | $253 |
| Honda Ridgeline | Midsize | $3,100 | $258 |
| Hyundai Santa Cruz | Midsize | $3,152 | $263 |
| Toyota Tacoma | Midsize | $3,164 | $264 |
| GMC Sierra 2500 HD | Heavy Duty | $3,176 | $265 |
| GMC Canyon | Midsize | $3,214 | $268 |
| Jeep Gladiator | Midsize | $3,292 | $274 |
| GMC Sierra 3500 | Heavy Duty | $3,310 | $276 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $3,338 | $278 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,426 | $286 |
| GMC Sierra | Full-size | $3,450 | $288 |
| Chevrolet Silverado | Full-size | $3,454 | $288 |
| Nissan Titan XD | Heavy Duty | $3,456 | $288 |
| Ford F150 | Full-size | $3,494 | $291 |
| GMC Hummer EV Pickup | Full-size | $3,582 | $299 |
| Ram Truck | Full-size | $3,612 | $301 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free San Francisco car insurance quotes from top car insurance companies in California.
Cheapest sports cars to insure in San Francisco, California
Ranked at #1 in San Francisco for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, at $2,890 per year. Second place is the Toyota GR86 at $3,292 per year, in third place is the Ford Mustang, costing an average of $3,430 per year, and the fourth cheapest is the BMW Z4, costing an average of $3,450 per year.
Also ranking well in our comparison are models like the Nissan Z, Toyota GR Supra, BMW M2, and Subaru BRZ, with an average cost of $3,734 per year or less.
Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the Chevrolet Corvette, Porsche 718, Porsche Taycan, Lexus LC 500, Jaguar F-Type, and Mercedes-Benz AMG GT53 average between $3,734 and $5,290 per year for auto insurance in San Francisco.
On a monthly basis, car insurance rates in this segment can cost as low as $241 per month, depending on your location and insurance company.
The next table ranks the twenty sports cars with the most affordable average insurance rates in San Francisco, starting with the Mazda MX-5 Miata at $2,890 per year and ending with the Porsche Taycan at $5,290 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,890 | $241 |
| Toyota GR86 | Sports Car | $3,292 | $274 |
| Ford Mustang | Sports Car | $3,430 | $286 |
| BMW Z4 | Sports Car | $3,450 | $288 |
| Subaru WRX | Sports Car | $3,504 | $292 |
| Toyota GR Supra | Sports Car | $3,510 | $293 |
| BMW M2 | Sports Car | $3,610 | $301 |
| Nissan Z | Sports Car | $3,620 | $302 |
| Lexus RC F | Sports Car | $3,690 | $308 |
| Subaru BRZ | Sports Car | $3,734 | $311 |
| BMW M3 | Sports Car | $3,946 | $329 |
| Porsche 718 | Sports Car | $4,022 | $335 |
| Chevrolet Camaro | Sports Car | $4,058 | $338 |
| Chevrolet Corvette | Sports Car | $4,326 | $361 |
| Porsche 911 | Sports Car | $4,472 | $373 |
| BMW M4 | Sports Car | $4,664 | $389 |
| Lexus LC 500 | Sports Car | $4,684 | $390 |
| Jaguar F-Type | Sports Car | $4,926 | $411 |
| Mercedes-Benz AMG GT53 | Sports Car | $5,172 | $431 |
| Porsche Taycan | Sports Car | $5,290 | $441 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
Don’t see your sports car in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in California.
Cheapest luxury car insurance rates in San Francisco
Ranked at #1 in San Francisco for cheapest insurance in the luxury sedan segment is the Acura Integra, at an average of $2,778 per year. Second place is the BMW 330i at $3,180 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $3,214 per year.
Additional luxury cars that have affordable insurance rates include the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with average insurance cost of $3,282 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the BMW 330e, Lexus IS 350, Lexus RC 350, BMW 228i, Lexus ES 250, and Audi S3 average between $3,282 and $3,504 to insure per year in San Francisco.
On a monthly basis, full-coverage car insurance on this segment in San Francisco for the average driver will start around $232 per month, depending on your location.
The lowest-cost compact luxury car to insure in San Francisco is the Acura Integra at $2,778 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $3,214 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $3,708 per year.
The rate comparison table below ranks the twenty cars with the cheapest car insurance rates in San Francisco, starting with the Acura Integra at $2,778 per year ($232 per month) and ending with the Audi S3 at $3,504 per year ($292 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,778 | $232 |
| BMW 330i | Compact | $3,180 | $265 |
| Mercedes-Benz CLA250 | Midsize | $3,214 | $268 |
| Lexus IS 300 | Midsize | $3,220 | $268 |
| Acura TLX | Compact | $3,232 | $269 |
| Lexus ES 350 | Midsize | $3,260 | $272 |
| Cadillac CT4 | Compact | $3,262 | $272 |
| Genesis G70 | Compact | $3,272 | $273 |
| Mercedes-Benz AMG CLA35 | Midsize | $3,276 | $273 |
| Lexus RC 300 | Midsize | $3,282 | $274 |
| Lexus IS 350 | Compact | $3,298 | $275 |
| Jaguar XF | Midsize | $3,306 | $276 |
| Cadillac CT5 | Midsize | $3,368 | $281 |
| Lexus ES 250 | Midsize | $3,380 | $282 |
| Lexus RC 350 | Compact | $3,388 | $282 |
| BMW 330e | Compact | $3,392 | $283 |
| BMW 228i | Compact | $3,398 | $283 |
| BMW 230i | Compact | $3,424 | $285 |
| Lexus ES 300h | Midsize | $3,430 | $286 |
| Audi S3 | Compact | $3,504 | $292 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in California.
Cheapest luxury SUV insurance rates in San Francisco
The four cheapest luxury SUV models to insure in San Francisco are the Acura RDX at $2,610 per year, Lexus NX 250 at $2,762 per year, Cadillac XT4 at $2,820 per year, and Jaguar E-Pace at $2,918 per year.
Other models that rank well include the Mercedes-Benz GLB 250, Lexus NX 450h, Lincoln Corsair, and Lexus UX 250h, with an average cost to insure of $3,008 per year or less.
As a cost per month, full-coverage car insurance in this segment for a good driver can cost as low as $218 per month, depending on the company. The table below ranks the twenty SUVs with the lowest-cost insurance rates in San Francisco, starting with the Acura RDX at $2,610 per year ($218 per month) and ending with the Lexus RX 350 at $3,132 per year ($261 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,610 | $218 |
| Lexus NX 250 | Compact | $2,762 | $230 |
| Cadillac XT4 | Compact | $2,820 | $235 |
| Jaguar E-Pace | Midsize | $2,918 | $243 |
| Cadillac XT5 | Midsize | $2,948 | $246 |
| Lexus NX 350h | Compact | $2,948 | $246 |
| Lincoln Corsair | Compact | $2,984 | $249 |
| Mercedes-Benz GLB 250 | Compact | $2,990 | $249 |
| Lexus UX 250h | Compact | $2,994 | $250 |
| Lexus NX 450h | Compact | $3,008 | $251 |
| Infiniti QX50 | Midsize | $3,032 | $253 |
| Mercedes-Benz GLA250 | Compact | $3,046 | $254 |
| Cadillac XT6 | Midsize | $3,054 | $255 |
| Mercedes-Benz GLA35 AMG | Compact | $3,054 | $255 |
| Infiniti QX60 | Midsize | $3,070 | $256 |
| Mercedes-Benz AMG GLB35 | Midsize | $3,076 | $256 |
| Land Rover Evoque | Compact | $3,118 | $260 |
| Acura MDX | Midsize | $3,120 | $260 |
| Lexus NX 350 | Compact | $3,132 | $261 |
| Lexus RX 350 | Midsize | $3,132 | $261 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Francisco, CA Zip Codes. Updated October 24, 2025
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap San Francisco car insurance quotes from the best companies in California.
Tips for finding cheaper auto insurance quotes
San Francisco drivers are always looking to reduce their monthly car insurance expenses. So glance through the savings tips in the list below and it’s very likely you can save some money on your next policy.
- Remove optional coverage on older vehicles. Deleting comprehensive and collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of car insurance substantially.
- Shop your coverage around. Taking a few minutes to get a few free car insurance quotes could save you a significant amount. Rates change frequently and you can change companies at any time.
- Stay claim free. Car insurance companies give a discounted rate for not having any claims. Car insurance is intended to be used to protect you from significant financial loss, not for insignificant claims.
- Choose a vehicle that is cheaper to insure. The vehicle you choose to drive is a huge factor in the price you pay for insurance. As an example, a Honda CR-V costs $3,362 less per year to insure in San Francisco than a Audi R8. Choose cheaper models and save money.
- Improve your credit for cheaper auto insurance rates. Having a high credit score of 800+ could save $490 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $569 more per year. Not all states use credit score as a rating factor, so check with your agent or company.