Car Insurance in San Francisco, CA – Cheapest Rates Compared

What are the cheapest vehicles to insure in San Francisco? We break down average car insurance rates for six different segments to find the models with cheap insurance quotes.

Start a Free QuoteCompare San Francisco car insurance quotes and save on your next policy.

How much does San Francisco car insurance cost?

The average car insurance cost in San Francisco is $3,080 per year, which is 32.4% more than the overall national average rate of $2,221. The average monthly cost of car insurance in San Francisco is $257 for a full-coverage car insurance policy.

In the state of California, the average car insurance cost is $2,842 per year, so the average cost in San Francisco is $238 more per year. The average cost of car insurance in San Francisco compared to other California locations is $360 per year less than in Los Angeles, $470 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.

Average full-coverage car insurance premium in San Francisco, CA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in San Francisco, CA for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all San Francisco, CA Zip Codes.

Average Car Insurance Cost in San Francisco, CA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,242$437
$500$6,196$516
$250$7,206$601
30$1,000$2,754$230
$500$3,286$274
$250$3,840$320
40$1,000$2,592$216
$500$3,080$257
$250$3,590$299
50$1,000$2,304$192
$500$2,728$227
$250$3,168$264
60$1,000$2,160$180
$500$2,554$213
$250$2,966$247

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 San Francisco, CA Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in San Francisco ranges from $2,160 per year for a 60-year-old driver with a policy with high physical damage deductibles to $7,206 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 $180 to $601 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 – $10,970 per year or $914 per month
  • 17-year-old driver – $10,625 per year or $885 per month
  • 18-year-old driver – $9,525 per year or $794 per month
  • 19-year-old driver – $8,673 per year or $723 per month
  • 20-year-old driver – $6,196 per year or $516 per month
  • 30-year-old driver – $3,286 per year or $274 per month
  • 40-year-old driver – $3,080 per year or $257 per month
  • 50-year-old driver – $2,728 per year or $227 per month
  • 60-year-old driver – $2,554 per year or $213 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 $2,502 or less per year ($209 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, Honda CR-V, 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 $2,678 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.

Top 30 Cheapest Car Insurance Rates in San Francisco
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,274$190
2Chevrolet Trailblazer$2,314$193
3Kia Soul$2,400$200
4Nissan Kicks$2,424$202
5Honda Passport$2,452$204
6Buick Envision$2,468$206
7Toyota Corolla Cross$2,482$207
8Hyundai Venue$2,502$209
9Mazda CX-5$2,510$209
10Ford Bronco Sport$2,520$210
11Volkswagen Tiguan$2,546$212
12Acura RDX$2,574$215
13Nissan Murano$2,586$216
14Buick Encore$2,614$218
15Honda CR-V$2,624$219
16Subaru Outback$2,624$219
17Buick Envista$2,630$219
18Volkswagen Taos$2,636$220
19Kia Niro$2,650$221
20Toyota GR Corolla$2,676$223
21Honda HR-V$2,678$223
22Subaru Ascent$2,680$223
23Nissan Leaf$2,694$225
24Chevrolet Colorado$2,714$226
25Honda Civic$2,726$227
26Lexus NX 250$2,726$227
27Volkswagen Atlas$2,730$228
28Acura Integra$2,736$228
29Subaru Forester$2,740$228
30Volkswagen Atlas Cross Sport$2,742$229

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 June 27, 2025

Top 30 cheapest vehicles to insure in San Francisco, CA with the Subaru Crosstrek ranking first at $2,274 per year
Top 30 cheapest vehicles to insure in San Francisco, CA with the Subaru Crosstrek ranking first at $2,274 per year

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.

Car insurance average cost by automotive segment in San Francisco, CA.
Figure 2: Car insurance average cost by automotive segment in San Francisco, CA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all San Francisco Zip Codes.

Car Insurance Rates by Automotive Segment in San Francisco, CA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,830$236
Midsize SUV$3,040$253
Compact Car$3,042$254
Minivan$3,048$254
Midsize Pickup$3,108$259
Midsize Car$3,140$262
Compact Luxury SUV$3,340$278
Compact Luxury Car$3,386$282
Large SUV$3,398$283
Half-ton Pickup$3,414$285
Heavy Duty Pickup$3,540$295
Midsize Luxury SUV$3,656$305
Midsize Luxury Car$3,776$315
Sports Car$4,234$353
Large Car$4,430$369
Large Luxury SUV$4,766$397
Large Luxury Car$4,928$411

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 2024 model year vehicles and also for all San Francisco, CA Zip Codes. Updated June 27, 2025

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 $3,166 per year for full coverage insurance up to the BMW M8 at $5,186 per year.

As another example, in the large luxury SUV segment, the cost of insurance ranges from the Infiniti QX80 costing $3,450 per year to the Mercedes-Benz G63 AMG costing $6,618 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 $236 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 $3,002 per year or less.

Additional vehicles that rank well include the Nissan Versa, Subaru Legacy, Volkswagen Arteon, and Volkswagen Jetta, which cost between $3,002 and $3,184 per year for auto insurance.

Auto insurance in this segment can cost as low as $223 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 $2,676 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,964 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,930 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 $223 per month and ending with the Mazda 3 at $265 per month.

Cheapest Car Insurance in San Francisco, California
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,676$223
Nissan LeafCompact$2,694$225
Honda CivicCompact$2,726$227
Nissan SentraCompact$2,824$235
Subaru ImprezaCompact$2,830$236
Toyota PriusCompact$2,876$240
Kia K5Midsize$2,964$247
Honda AccordMidsize$2,974$248
Chevrolet MalibuMidsize$2,988$249
Toyota CorollaCompact$3,002$250
Kia ForteCompact$3,008$251
Volkswagen ArteonMidsize$3,024$252
Nissan VersaCompact$3,034$253
Subaru LegacyMidsize$3,038$253
Hyundai Ioniq 6Midsize$3,062$255
Mitsubishi Mirage G4Compact$3,108$259
Toyota CrownMidsize$3,114$260
Volkswagen JettaCompact$3,116$260
Hyundai SonataMidsize$3,122$260
Mazda 3Compact$3,184$265

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in San Francisco, CA, with the Toyota GR Corolla ranking first at $2,676 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in San Francisco, CA, with the Toyota GR Corolla ranking first at $2,676 per year.

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 $2,452 or less per year, or around $204 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 $2,520 per year or less.

Some additional 2024 models that make the list include the Honda CR-V, Buick Envista, Volkswagen Tiguan, Subaru Ascent, and Honda HR-V, which average between $2,520 and $2,680 to insure per year.

From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $190 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 $2,274 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $2,452 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,890 per year.

The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Subaru Crosstrek at $2,274 per year and ending with the Subaru Ascent at $2,680 per year.

Cheapest SUV Insurance in San Francisco, California
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,274$190
Chevrolet TrailblazerCompact$2,314$193
Kia SoulCompact$2,400$200
Nissan KicksCompact$2,424$202
Honda PassportMidsize$2,452$204
Buick EnvisionCompact$2,468$206
Toyota Corolla CrossCompact$2,482$207
Hyundai VenueCompact$2,502$209
Mazda CX-5Compact$2,510$209
Ford Bronco SportCompact$2,520$210
Volkswagen TiguanCompact$2,546$212
Nissan MuranoMidsize$2,586$216
Buick EncoreCompact$2,614$218
Honda CR-VCompact$2,624$219
Subaru OutbackMidsize$2,624$219
Buick EnvistaMidsize$2,630$219
Volkswagen TaosCompact$2,636$220
Kia NiroCompact$2,650$221
Honda HR-VCompact$2,678$223
Subaru AscentMidsize$2,680$223

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in San Francisco, CA, with the Subaru Crosstrek ranking first at $2,274 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in San Francisco, CA, with the Subaru Crosstrek ranking first at $2,274 per year.

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 $249 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 $3,166 per year or less.

From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $226 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.

Cheapest Pickup Insurance in San Francisco, California
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,714$226
Nissan TitanFull-size$2,880$240
Nissan FrontierMidsize$2,912$243
Ford RangerMidsize$2,940$245
Ford MaverickMidsize$2,988$249
Honda RidgelineMidsize$3,054$255
Hyundai Santa CruzMidsize$3,106$259
Toyota TacomaMidsize$3,120$260
GMC Sierra 2500 HDHeavy Duty$3,132$261
GMC CanyonMidsize$3,166$264
Jeep GladiatorMidsize$3,246$271
GMC Sierra 3500Heavy Duty$3,262$272
Chevrolet Silverado HD 3500Heavy Duty$3,294$275
Chevrolet Silverado HD 2500Heavy Duty$3,380$282
GMC SierraFull-size$3,398$283
Chevrolet SilveradoFull-size$3,402$284
Nissan Titan XDHeavy Duty$3,404$284
Ford F150Full-size$3,446$287
GMC Hummer EV PickupFull-size$3,534$295
Ram TruckFull-size$3,560$297

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 June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in San Francisco, CA, with the Chevrolet Colorado ranking first at $2,714 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in San Francisco, CA, with the Chevrolet Colorado ranking first at $2,714 per year.

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 $2,848 per year. Second place is the Toyota GR86 at $3,244 per year, in third place is the Ford Mustang, costing an average of $3,386 per year, and the fourth cheapest is the BMW Z4, costing an average of $3,400 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 $3,682 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 $3,682 and $5,214 per year for auto insurance in San Francisco.

On a monthly basis, car insurance rates in this segment can cost as low as $237 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 $2,848 per year and ending with the Porsche Taycan at $5,214 per year.

Cheapest Sports Car Insurance in San Francisco, California
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,848$237
Toyota GR86Sports Car$3,244$270
Ford MustangSports Car$3,386$282
BMW Z4Sports Car$3,400$283
Subaru WRXSports Car$3,454$288
Toyota GR SupraSports Car$3,458$288
BMW M2Sports Car$3,560$297
Nissan ZSports Car$3,566$297
Lexus RC FSports Car$3,636$303
Subaru BRZSports Car$3,682$307
BMW M3Sports Car$3,890$324
Porsche 718Sports Car$3,966$331
Chevrolet CamaroSports Car$4,002$334
Chevrolet CorvetteSports Car$4,266$356
Porsche 911Sports Car$4,410$368
BMW M4Sports Car$4,598$383
Lexus LC 500Sports Car$4,618$385
Jaguar F-TypeSports Car$4,858$405
Mercedes-Benz AMG GT53Sports Car$5,096$425
Porsche TaycanSports Car$5,214$435

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 June 27, 2025

Ranking of the cheapest sports cars to insure in San Francisco, CA, with the Mazda MX-5 Miata ranking first at $2,848 per year.
Ranking of the cheapest sports cars to insure in San Francisco, CA, with the Mazda MX-5 Miata ranking first at $2,848 per year.

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 $2,736 per year. Second place is the BMW 330i at $3,134 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $3,166 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 $3,234 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 $3,234 and $3,450 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 $228 per month, depending on your location.

The lowest-cost compact luxury car to insure in San Francisco is the Acura Integra at $2,736 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $3,166 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $3,658 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 $2,736 per year ($228 per month) and ending with the Audi S3 at $3,450 per year ($288 per month).

Cheapest Luxury Car Insurance in San Francisco, California
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,736$228
BMW 330iCompact$3,134$261
Mercedes-Benz CLA250Midsize$3,166$264
Lexus IS 300Midsize$3,174$265
Acura TLXCompact$3,184$265
Cadillac CT4Compact$3,214$268
Lexus ES 350Midsize$3,214$268
Genesis G70Compact$3,222$269
Mercedes-Benz AMG CLA35Midsize$3,228$269
Lexus RC 300Midsize$3,234$270
Lexus IS 350Compact$3,248$271
Jaguar XFMidsize$3,256$271
Cadillac CT5Midsize$3,316$276
Lexus ES 250Midsize$3,330$278
Lexus RC 350Compact$3,340$278
BMW 330eCompact$3,342$279
BMW 228iCompact$3,348$279
BMW 230iCompact$3,374$281
Lexus ES 300hMidsize$3,380$282
Audi S3Compact$3,450$288

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in San Francisco, CA, with the Acura Integra ranking first at $2,736 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in San Francisco, CA, with the Acura Integra ranking first at $2,736 per year.

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 $2,574 per year, Lexus NX 250 at $2,726 per year, Cadillac XT4 at $2,778 per year, and Jaguar E-Pace at $2,878 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 $2,970 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 $215 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 $2,574 per year ($215 per month) and ending with the Lexus RX 350 at $3,090 per year ($258 per month).

Cheapest Luxury SUV Insurance in San Francisco, California
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,574$215
Lexus NX 250Compact$2,726$227
Cadillac XT4Compact$2,778$232
Jaguar E-PaceMidsize$2,878$240
Cadillac XT5Midsize$2,904$242
Lexus NX 350hCompact$2,904$242
Lincoln CorsairCompact$2,940$245
Mercedes-Benz GLB 250Compact$2,944$245
Lexus UX 250hCompact$2,950$246
Lexus NX 450hCompact$2,970$248
Infiniti QX50Midsize$2,992$249
Mercedes-Benz GLA250Compact$3,000$250
Mercedes-Benz GLA35 AMGCompact$3,010$251
Cadillac XT6Midsize$3,012$251
Infiniti QX60Midsize$3,028$252
Mercedes-Benz AMG GLB35Midsize$3,032$253
Land Rover EvoqueCompact$3,072$256
Acura MDXMidsize$3,078$257
Lexus NX 350Compact$3,086$257
Lexus RX 350Midsize$3,090$258

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in San Francisco, CA, with the Acura RDX ranking first at $2,574 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in San Francisco, CA, with the Acura RDX ranking first at $2,574 per year.

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 $3,314 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 $484 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $561 more per year. Not all states use credit score as a rating factor, so check with your agent or company.