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 $2,376 per year, which is 41% more than the overall national average rate of $1,685. The average monthly cost of car insurance in San Francisco is $198 for a full-coverage car insurance policy.

In the state of California, the average car insurance cost is $2,134 per year, so the average cost in San Francisco is $242 more per year. The average cost of car insurance in San Francisco compared to other California locations is $370 per year less than in Los Angeles, $474 per year more expensive than in San Diego, and $388 per year more than in San Jose.

The chart below shows average San Francisco auto insurance cost for all 2023 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average San Francisco car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all San Francisco zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in San Francisco, CA
Average Car Insurance Cost in San Francisco, CA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,000$333
$500$4,726$394
$250$5,490$458
30$1,000$2,100$175
$500$2,506$209
$250$2,926$244
40$1,000$2,004$167
$500$2,376$198
$250$2,762$230
50$1,000$1,828$152
$500$2,162$180
$250$2,512$209
60$1,000$1,796$150
$500$2,124$177
$250$2,466$206

In the chart above, the cost of auto insurance in San Francisco ranges from $1,796 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,490 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 $150 to $458 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 – $8,510 per year or $709 per month
  • 17-year-old driver – $7,958 per year or $663 per month
  • 18-year-old driver – $7,436 per year or $620 per month
  • 19-year-old driver – $6,728 per year or $561 per month
  • 20-year-old driver – $4,726 per year or $394 per month
  • 30-year-old driver – $2,506 per year or $209 per month
  • 40-year-old driver – $2,376 per year or $198 per month
  • 50-year-old driver – $2,162 per year or $180 per month
  • 60-year-old driver – $2,124 per year or $177 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 Chevrolet Trailblazer, Nissan Kicks, and Nissan Rogue Sport.

Average car insurance rates for those models cost $1,896 or less per year ($158 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 Honda HR-V, Subaru Forester, Chevrolet Colorado, and Ford Edge. 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 $2,016 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,798$150
2Subaru Crosstrek$1,812$151
3Nissan Kicks$1,822$152
4Honda Passport$1,846$154
5Nissan Rogue Sport$1,854$155
6Mazda CX-5$1,866$156
7Buick Encore$1,894$158
8Buick Envision$1,896$158
9Kia Seltos$1,926$161
10Subaru Ascent$1,932$161
11Hyundai Venue$1,938$162
12Subaru Impreza$1,966$164
13Ford Maverick$1,972$164
14Chevrolet Colorado$1,976$165
15Honda HR-V$1,976$165
16Acura RDX$1,980$165
17Hyundai Kona$1,994$166
18Subaru Forester$2,002$167
19Ford Edge$2,012$168
20Honda CR-V$2,016$168
21Mazda CX-30$2,020$168
22Ford Explorer$2,022$169
23Volkswagen Atlas$2,026$169
24Chevrolet Trax$2,042$170
25Nissan Murano$2,042$170
26Subaru Outback$2,042$170
27Nissan Frontier$2,050$171
28Volkswagen Tiguan$2,064$172
29Ford Bronco Sport$2,070$173
30Fiat 500X$2,104$175

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
    Top 30 Cheapest Car Insurance Rates in San Francisco

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average San Francisco car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all San Francisco Zip Codes.Data last updated on December 30, 2022
    Average San Francisco, CA, Car Insurance Rates by Vehicle Segment
    San Francisco Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,162$180
    Midsize Pickup$2,242$187
    Midsize SUV$2,318$193
    Minivan$2,328$194
    Compact Car$2,364$197
    Midsize Car$2,426$202
    Compact Luxury SUV$2,570$214
    Half-ton Pickup$2,576$215
    Large SUV$2,600$217
    Compact Luxury Car$2,616$218
    Heavy Duty Pickup$2,728$227
    Midsize Luxury SUV$2,760$230
    Large Car$2,766$231
    Midsize Luxury Car$3,020$252
    Sports Car$3,248$271
    Large Luxury SUV$3,490$291
    Large Luxury Car$3,670$306

    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 Cadillac CT5 costing $2,554 per year for full coverage insurance up to the BMW M8 at $3,978 per year.

    As another example, in the large luxury SUV segment, the cost of insurance ranges from the Volvo XC90 costing $2,450 per year to the Mercedes-Benz Maybach GLS 600 costing $4,516 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 Volkswagen Jetta, Subaru Legacy, Toyota Corolla, Subaru Impreza, and Nissan Sentra. Auto insurance rates for these 2023 models average $186 or less per month.

    Not the cheapest in the list, but still ranking well, are cars like the Volkswagen Golf, Mazda 3, Toyota Camry, and Kia K5, with average cost of $2,290 per year or less.

    Additional vehicles that rank well include the Honda Civic, Kia Forte, Chrysler 300, and Toyota Crown, which cost between $2,290 and $2,492 per year for auto insurance.

    Auto insurance in this segment can cost as low as $164 per month, depending on the company.

    The most budget-friendly non-luxury compact car to insure in San Francisco is the Subaru Impreza at $1,966 per year. For midsize cars, the Subaru Legacy has the cheapest rates at $2,188 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,318 per year.

    The table below ranks the cars with the most affordable car insurance rates in San Francisco, starting with the Subaru Impreza at $164 per month and ending with the Volkswagen Arteon at $208 per month.

    Cheapest Car Insurance in San Francisco, California
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,966$164
    Volkswagen JettaCompact$2,172$181
    Subaru LegacyMidsize$2,188$182
    Nissan SentraCompact$2,206$184
    Toyota CorollaCompact$2,228$186
    Volkswagen GolfCompact$2,234$186
    Toyota PriusCompact$2,240$187
    Toyota CamryMidsize$2,258$188
    Mazda 3Compact$2,282$190
    Kia K5Midsize$2,290$191
    Chevrolet MalibuMidsize$2,314$193
    Chrysler 300Full-size$2,318$193
    Honda CivicCompact$2,328$194
    Kia ForteCompact$2,334$195
    Mitsubishi Mirage G4Compact$2,342$195
    Nissan LeafCompact$2,394$200
    Honda AccordMidsize$2,402$200
    Toyota CrownMidsize$2,412$201
    Tesla Model 3Midsize$2,428$202
    Volkswagen ArteonMidsize$2,492$208

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
      Cheapest Car Insurance in San Francisco, California

      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 Nissan Rogue Sport, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Car insurance prices for these 2023 models average $1,854 or less per year, or around $155 per month.

      Also ranking well in our comparison are SUVs like the Kia Seltos, Buick Encore, Subaru Ascent, and Mazda CX-5, with an average cost of $1,932 per year or less.

      Some additional 2023 models that make the list include the Subaru Forester, Honda CR-V, Hyundai Venue, Chevrolet Trax, and Volkswagen Atlas, which average between $1,932 and $2,042 to insure per year.

      From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $150 per month, depending on your company and location.

      The lowest-cost non-luxury compact SUV to insure in San Francisco is the Chevrolet Trailblazer at $1,798 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,846 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,226 per year.

      The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Chevrolet Trailblazer at $1,798 per year and ending with the Chevrolet Trax at $2,042 per year.

      Cheapest SUV Insurance in San Francisco, California
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$1,798$150
      Subaru CrosstrekCompact$1,812$151
      Nissan KicksCompact$1,822$152
      Honda PassportMidsize$1,846$154
      Nissan Rogue SportCompact$1,854$155
      Mazda CX-5Compact$1,866$156
      Buick EncoreCompact$1,894$158
      Buick EnvisionCompact$1,896$158
      Kia SeltosCompact$1,926$161
      Subaru AscentMidsize$1,932$161
      Hyundai VenueCompact$1,938$162
      Honda HR-VCompact$1,976$165
      Hyundai KonaCompact$1,994$166
      Subaru ForesterCompact$2,002$167
      Ford EdgeMidsize$2,012$168
      Honda CR-VCompact$2,016$168
      Mazda CX-30Compact$2,020$168
      Ford ExplorerMidsize$2,022$169
      Volkswagen AtlasMidsize$2,026$169
      Chevrolet TraxCompact$2,042$170

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
        Cheapest SUV Insurance in San Francisco, California

        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 Chevrolet Colorado, Ford Maverick, GMC Canyon, Ford Ranger, and Nissan Frontier. Insurance rates for these 2023 models average $180 or less per month.

        Additional pickups that rank well are the Nissan Titan, Ford F150, Toyota Tacoma, and Honda Ridgeline, with average cost of $2,414 per year or less.

        From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $164 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/Model Vehicle Size Annual Cost Monthly Cost
        Ford MaverickMidsize$1,972$164
        Chevrolet ColoradoMidsize$1,976$165
        Nissan FrontierMidsize$2,050$171
        Ford RangerMidsize$2,108$176
        GMC CanyonMidsize$2,156$180
        Toyota TacomaMidsize$2,170$181
        Hyundai Santa CruzMidsize$2,208$184
        Nissan TitanFull-size$2,348$196
        Honda RidgelineMidsize$2,358$197
        Ford F150Full-size$2,414$201
        GMC Sierra 2500 HDHeavy Duty$2,432$203
        Jeep GladiatorMidsize$2,474$206
        Toyota TundraFull-size$2,498$208
        GMC Sierra 3500Heavy Duty$2,508$209
        GMC SierraFull-size$2,592$216
        Ram TruckFull-size$2,596$216
        Chevrolet SilveradoFull-size$2,600$217
        Chevrolet Silverado HD 2500Heavy Duty$2,606$217
        Chevrolet Silverado HD 3500Heavy Duty$2,614$218
        Nissan Titan XDHeavy Duty$2,652$221

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
          Cheapest Pickup Insurance in San Francisco, California

          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 $2,194 per year. Second place is the Audi TT at $2,464 per year, in third place is the Ford Mustang, costing an average of $2,578 per year, and the fourth cheapest is the BMW Z4, costing an average of $2,594 per year.

          Also ranking well in our comparison are models like the Toyota GR86, Nissan Z, Toyota GR Supra, and Subaru BRZ, with an average cost of $2,866 per year or less.

          Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the Porsche 718, BMW M3, Lexus LC 500, Jaguar F-Type, Porsche Taycan, and BMW M4 average between $2,866 and $3,570 per year for auto insurance in San Francisco.

          On a monthly basis, car insurance rates in this segment can cost as low as $183 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 $2,194 per year and ending with the Lexus LC 500 at $3,570 per year.

          Cheapest Sports Car Insurance in San Francisco, California
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$2,194$183
          Audi TTSports Car$2,464$205
          Ford MustangSports Car$2,578$215
          BMW Z4Sports Car$2,594$216
          Subaru WRXSports Car$2,624$219
          Nissan ZSports Car$2,664$222
          Toyota GR SupraSports Car$2,706$226
          BMW M2Sports Car$2,744$229
          Toyota GR86Sports Car$2,746$229
          Subaru BRZSports Car$2,866$239
          Chevrolet CorvetteSports Car$2,930$244
          BMW M3Sports Car$2,992$249
          Lexus RC FSports Car$3,058$255
          Porsche 718Sports Car$3,058$255
          Chevrolet CamaroSports Car$3,108$259
          Mercedes-Benz AMG GT53Sports Car$3,296$275
          Jaguar F-TypeSports Car$3,410$284
          Porsche TaycanSports Car$3,486$291
          BMW M4Sports Car$3,530$294
          Lexus LC 500Sports Car$3,570$298

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
            Cheapest Sports Car Insurance in San Francisco, California

            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 $2,132 per year. Second place is the BMW 330i at $2,412 per year, and the third most affordable is the Acura TLX, costing an average of $2,452 per year.

            Additional luxury cars that have affordable insurance rates include the BMW 228i, Lexus ES 250, BMW 330e, and Lexus ES 350, with average insurance cost of $2,582 per year or less.

            Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Audi A4, Lexus RC 300, Mercedes-Benz C300, Lexus RC 350, BMW 230i, and Volvo S60 average between $2,582 and $2,654 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 $178 per month, depending on your location.

            The lowest-cost compact luxury car to insure in San Francisco is the Acura Integra at $2,132 per year. For midsize luxury models, the Cadillac CT5 is the cheapest model to insure at $2,554 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,668 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 $2,132 per year ($178 per month) and ending with the Volvo S60 at $2,654 per year ($221 per month).

            Cheapest Luxury Car Insurance in San Francisco, California
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$2,132$178
            BMW 330iCompact$2,412$201
            Acura TLXCompact$2,452$204
            Cadillac CT4Compact$2,482$207
            Genesis G70Compact$2,532$211
            Cadillac CT5Midsize$2,554$213
            Lexus ES 350Midsize$2,562$214
            BMW 330eCompact$2,570$214
            Lexus ES 250Midsize$2,576$215
            BMW 228iCompact$2,582$215
            Lexus RC 300Midsize$2,586$216
            Mercedes-Benz AMG CLA35Midsize$2,592$216
            Audi A3Midsize$2,596$216
            BMW 230iCompact$2,600$217
            Mercedes-Benz C300Compact$2,620$218
            Audi A4Compact$2,632$219
            Lexus RC 350Compact$2,632$219
            Audi S3Compact$2,650$221
            Mercedes-Benz AMG CLA45Midsize$2,650$221
            Volvo S60Compact$2,654$221

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 29, 2022
              Cheapest Luxury Car Insurance in San Francisco, California

              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 $1,980 per year, Lexus RX 350 at $2,126 per year, Cadillac XT4 at $2,144 per year, and Volvo XC40 at $2,184 per year.

              Other models that rank well include the Mercedes-Benz GLA250, Mercedes-Benz GLB 250, Cadillac XT5, and Cadillac XT6, with an average cost to insure of $2,314 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 $165 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 $1,980 per year ($165 per month) and ending with the Mercedes-Benz GLC300 at $2,422 per year ($202 per month).

              Cheapest Luxury SUV Insurance in San Francisco, California
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,980$165
              Lexus RX 350Midsize$2,126$177
              Cadillac XT4Compact$2,144$179
              Volvo XC40Compact$2,184$182
              Infiniti QX50Midsize$2,196$183
              Lexus UX 250hCompact$2,222$185
              Cadillac XT5Midsize$2,258$188
              Mercedes-Benz GLA250Compact$2,306$192
              Cadillac XT6Midsize$2,310$193
              Mercedes-Benz GLB 250Compact$2,314$193
              Lexus NX 250Compact$2,344$195
              Acura MDXMidsize$2,362$197
              Lexus NX 350hCompact$2,372$198
              Lexus NX 350Compact$2,386$199
              Lincoln CorsairCompact$2,388$199
              Lexus NX 450hCompact$2,392$199
              Lincoln NautilusMidsize$2,406$201
              BMW X1Compact$2,408$201
              Alfa Romeo TonaleCompact$2,412$201
              Mercedes-Benz GLC300Compact$2,422$202

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Francisco, CA.Data last updated on December 30, 2022
                Cheapest Luxury SUV Insurance in San Francisco, California

                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 $2,532 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 $373 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $432 more per year. Not all states use credit score as a rating factor, so check with your agent or company.