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 QuoteCompare San Francisco car insurance rates and save on your next policy.

How much does San Francisco car insurance cost?

The average car insurance cost in San Francisco is $2,172 per year, which is 40% more than the overall national average rate of $1,551. The average monthly cost of car insurance in San Francisco is $181 for a full-coverage car insurance policy.

In the state of California, the average car insurance cost is $1,746 per year, so the average cost in San Francisco is $426 more per year. The average cost of car insurance in San Francisco compared to other California locations is $350 per year less than in Los Angeles, $458 per year more expensive than in San Diego, and $372 per year more than in San Jose.

The chart below shows average San Francisco auto insurance cost for all 2022 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 2022 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 May 19, 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$3,658$305
$500$4,308$359
$250$4,994$416
30$1,000$1,918$160
$500$2,284$190
$250$2,664$222
40$1,000$1,836$153
$500$2,172$181
$250$2,520$210
50$1,000$1,674$140
$500$1,976$165
$250$2,288$191
60$1,000$1,642$137
$500$1,938$162
$250$2,246$187

In the chart above, the cost of auto insurance in San Francisco ranges from $1,642 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,994 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 $137 to $416 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 – $7,776 per year or $648 per month
  • 17-year-old driver – $7,262 per year or $605 per month
  • 18-year-old driver – $6,782 per year or $565 per month
  • 19-year-old driver – $6,132 per year or $511 per month
  • 20-year-old driver – $4,308 per year or $359 per month
  • 30-year-old driver – $2,284 per year or $190 per month
  • 40-year-old driver – $2,172 per year or $181 per month
  • 50-year-old driver – $1,976 per year or $165 per month
  • 60-year-old driver – $1,938 per year or $162 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 Mazda CX-5, Chevrolet Trailblazer, and Subaru Crosstrek.

Average car insurance rates for those models cost $1,810 or less per year ($151 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 Acura RDX, Subaru Impreza, Toyota Corolla Cross, and Subaru Forester. 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 $1,880 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
1Mazda CX-5$1,652$138
2Nissan Kicks$1,692$141
3Chevrolet Trailblazer$1,704$142
4Honda Passport$1,742$145
5Subaru Crosstrek$1,742$145
6Chevrolet Colorado$1,788$149
7Buick Encore$1,796$150
8Toyota C-HR$1,796$150
9Nissan Rogue Sport$1,810$151
10Hyundai Venue$1,844$154
11Buick Envision$1,846$154
12Kia Seltos$1,850$154
13Ford Maverick$1,858$155
14Acura RDX$1,860$155
15Subaru Ascent$1,864$155
16Toyota Corolla Cross$1,864$155
17Hyundai Kona$1,880$157
18Mazda MX-5 Miata$1,880$157
19Subaru Forester$1,880$157
20Subaru Impreza$1,884$157
21Volkswagen Tiguan$1,884$157
22Chevrolet Spark$1,896$158
23Honda CR-V$1,902$159
24Cadillac XT4$1,906$159
25Mazda CX-30$1,922$160
26Ford Ranger$1,930$161
27Honda HR-V$1,954$163
28Ford Edge$1,956$163
29Ford Ecosport$1,968$164
30Subaru Outback$1,990$166

    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 March 24, 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 2022 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 April 12, 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$2,032$169
    Midsize Pickup$2,082$174
    Minivan$2,188$182
    Midsize SUV$2,196$183
    Compact Car$2,236$186
    Midsize Car$2,262$189
    Half-ton Pickup$2,362$197
    Compact Luxury SUV$2,438$203
    Large SUV$2,450$204
    Compact Luxury Car$2,464$205
    Large Car$2,510$209
    Heavy Duty Pickup$2,590$216
    Midsize Luxury SUV$2,624$219
    Midsize Luxury Car$2,874$240
    Sports Car$3,060$255
    Large Luxury SUV$3,280$273
    Large Luxury Car$3,434$286

    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 Acura ILX costing $1,998 per year for full coverage insurance up to the BMW M5 at $3,758 per year.

    As another example, in the large luxury SUV segment, the cost of insurance ranges from the Volvo XC90 costing $2,350 per year to the Mercedes-Benz Maybach GLS 600 costing $4,296 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 Chevrolet Spark, Volkswagen Golf, Volkswagen Jetta, Subaru Impreza, and Subaru Legacy. Auto insurance rates for these 2022 models average $176 or less per month.

    Not the cheapest in the list, but still ranking well, are cars like the Honda Insight, Toyota Corolla, Kia K5, and Toyota Camry, with average cost of $2,136 per year or less.

    Additional vehicles that rank well include the Honda Civic, Mazda 3, Kia Rio, and Hyundai Veloster, which cost between $2,136 and $2,260 per year for auto insurance.

    Auto insurance in this segment can cost as low as $157 per month, depending on the company.

    The most budget-friendly non-luxury compact car to insure in San Francisco is the Subaru Impreza at $1,884 per year. For midsize cars, the Subaru Legacy has the cheapest rates at $2,104 per year. And for full-size non-luxury cars, the Toyota Avalon has the cheapest car insurance rates at $2,280 per year.

    The table below ranks the cars with the most affordable car insurance rates in San Francisco, starting with the Subaru Impreza at $157 per month and ending with the Chevrolet Malibu at $188 per month.

    Cheapest Car Insurance in San Francisco, California
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,884$157
    Chevrolet SparkCompact$1,896$158
    Volkswagen GolfCompact$2,084$174
    Subaru LegacyMidsize$2,104$175
    Honda InsightMidsize$2,112$176
    Volkswagen JettaCompact$2,112$176
    Nissan SentraCompact$2,122$177
    Kia K5Midsize$2,134$178
    Toyota CorollaCompact$2,134$178
    Toyota CamryMidsize$2,136$178
    Kia RioCompact$2,142$179
    Volkswagen PassatMidsize$2,144$179
    Honda CivicCompact$2,150$179
    Mazda 3Compact$2,154$180
    Mazda 6Midsize$2,164$180
    Toyota PriusCompact$2,170$181
    Hyundai AccentCompact$2,198$183
    Hyundai VelosterCompact$2,218$185
    Kia ForteCompact$2,224$185
    Chevrolet MalibuMidsize$2,260$188

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 March 24, 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 Honda Passport, Chevrolet Trailblazer, Mazda CX-5, Subaru Crosstrek, and Nissan Kicks. Car insurance prices for these 2022 models average $1,742 or less per year, or around $145 per month.

      Also ranking well in our comparison are SUVs like the Hyundai Venue, Buick Encore, Buick Envision, and Toyota C-HR, with an average cost of $1,846 per year or less.

      Some additional 2022 models that make the list include the Hyundai Kona, Volkswagen Tiguan, Kia Seltos, Ford Edge, and Honda HR-V, which average between $1,846 and $1,956 to insure per year.

      From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $138 per month, depending on your company and location.

      The lowest-cost non-luxury compact SUV to insure in San Francisco is the Mazda CX-5 at $1,652 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,742 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,180 per year.

      The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Mazda CX-5 at $1,652 per year and ending with the Ford Edge at $1,956 per year.

      Cheapest SUV Insurance in San Francisco, California
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,652$138
      Nissan KicksCompact$1,692$141
      Chevrolet TrailblazerCompact$1,704$142
      Honda PassportMidsize$1,742$145
      Subaru CrosstrekCompact$1,742$145
      Buick EncoreCompact$1,796$150
      Toyota C-HRCompact$1,796$150
      Nissan Rogue SportCompact$1,810$151
      Hyundai VenueCompact$1,844$154
      Buick EnvisionCompact$1,846$154
      Kia SeltosCompact$1,850$154
      Subaru AscentMidsize$1,864$155
      Toyota Corolla CrossCompact$1,864$155
      Hyundai KonaCompact$1,880$157
      Subaru ForesterCompact$1,880$157
      Volkswagen TiguanCompact$1,884$157
      Honda CR-VCompact$1,902$159
      Mazda CX-30Compact$1,922$160
      Honda HR-VCompact$1,954$163
      Ford EdgeMidsize$1,956$163

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 March 24, 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 Ford Maverick, Chevrolet Colorado, Nissan Frontier, Toyota Tacoma, and Ford Ranger. Insurance rates for these 2022 models average $173 or less per month.

        Additional pickups that rank well are the Ford F150, Jeep Gladiator, GMC Canyon, and Honda Ridgeline, with average cost of $2,134 per year or less.

        From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $149 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
        Chevrolet ColoradoMidsize$1,788$149
        Ford MaverickMidsize$1,858$155
        Ford RangerMidsize$1,930$161
        Toyota TacomaMidsize$2,016$168
        Nissan FrontierMidsize$2,070$173
        GMC CanyonMidsize$2,080$173
        Hyundai Santa CruzMidsize$2,088$174
        Ford F150Full-size$2,104$175
        Honda RidgelineMidsize$2,114$176
        Jeep GladiatorMidsize$2,134$178
        GMC SierraFull-size$2,212$184
        Nissan TitanFull-size$2,294$191
        Chevrolet SilveradoFull-size$2,334$195
        Toyota TundraFull-size$2,336$195
        Ford F350 Super DutyHeavy Duty$2,362$197
        Chevrolet Silverado HD 3500Heavy Duty$2,376$198
        Nissan Titan XDHeavy Duty$2,444$204
        Ram TruckFull-size$2,480$207
        GMC Sierra 2500 HDHeavy Duty$2,534$211
        GMC Sierra 3500Heavy Duty$2,554$213

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 March 9, 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 $1,880 per year. Second place is the Ford Mustang at $2,292 per year, in third place is the BMW Z4, costing an average of $2,338 per year, and the fourth cheapest is the Subaru WRX, costing an average of $2,472 per year.

          Also ranking well in our comparison are models like the Chevrolet Corvette, Toyota GR Supra, Audi TT, and BMW M3, with an average cost of $2,812 per year or less.

          Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the Dodge Challenger, Chevrolet Camaro, Lexus LC 500, Porsche Taycan, Porsche 911, and BMW M4 average between $2,812 and $3,582 per year for auto insurance in San Francisco.

          On a monthly basis, car insurance rates in this segment can cost as low as $157 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 $1,880 per year and ending with the Lexus LC 500 at $3,582 per year.

          Cheapest Sports Car Insurance in San Francisco, California
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,880$157
          Ford MustangSports Car$2,292$191
          BMW Z4Sports Car$2,338$195
          Subaru WRXSports Car$2,472$206
          Toyota GR86Sports Car$2,534$211
          Toyota GR SupraSports Car$2,588$216
          Audi TTSports Car$2,644$220
          Subaru BRZSports Car$2,724$227
          Chevrolet CorvetteSports Car$2,736$228
          BMW M3Sports Car$2,812$234
          Porsche 718Sports Car$2,938$245
          Chevrolet CamaroSports Car$3,010$251
          Lexus RC FSports Car$3,068$256
          Dodge ChallengerSports Car$3,088$257
          Mercedes-Benz AMG GT53Sports Car$3,136$261
          Jaguar F-TypeSports Car$3,282$274
          Porsche TaycanSports Car$3,370$281
          Porsche 911Sports Car$3,450$288
          BMW M4Sports Car$3,460$288
          Lexus LC 500Sports Car$3,582$299

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 April 2, 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 ILX, at an average of $1,998 per year. Second place is the Mercedes-Benz A220 at $2,134 per year, and the third most affordable is the BMW 330i, costing an average of $2,296 per year.

            Additional luxury cars that have affordable insurance rates include the Alfa Romeo Giulia, Lexus RC 300, BMW 230i, and BMW 228i, with average insurance cost of $2,410 per year or less.

            Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Cadillac CT5, Cadillac CT4, BMW i4, Audi A3, Mercedes-Benz AMG CLA35, and Audi S3 average between $2,410 and $2,524 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 $167 per month, depending on your location.

            The lowest-cost compact luxury car to insure in San Francisco is the Mercedes-Benz A220 at $2,134 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,998 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,552 per year.

            The rate comparison table below ranks the twenty cars with the cheapest car insurance rates in San Francisco, starting with the Acura ILX at $1,998 per year ($167 per month) and ending with the Audi S3 at $2,524 per year ($210 per month).

            Cheapest Luxury Car Insurance in San Francisco, California
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,998$167
            Mercedes-Benz A220Compact$2,134$178
            BMW 330iCompact$2,296$191
            Acura TLXCompact$2,310$193
            Volvo S60Compact$2,328$194
            BMW 330eCompact$2,340$195
            BMW 228iCompact$2,352$196
            BMW 230iCompact$2,366$197
            Lexus RC 300Midsize$2,406$201
            Alfa Romeo GiuliaCompact$2,410$201
            Cadillac CT4Compact$2,414$201
            Lexus RC 350Compact$2,416$201
            Genesis G70Compact$2,452$204
            Mercedes-Benz AMG CLA35Midsize$2,464$205
            BMW i4Midsize$2,478$207
            Cadillac CT5Midsize$2,486$207
            Audi A3Midsize$2,510$209
            Audi A4Compact$2,516$210
            Mercedes-Benz AMG CLA45Midsize$2,522$210
            Audi S3Compact$2,524$210

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 March 13, 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 $1,860 per year, Cadillac XT4 at $1,906 per year, Volvo XC40 at $2,090 per year, and Cadillac XT5 at $2,136 per year.

              Other models that rank well include the Lexus UX 250h, Lexus UX 200, Lexus NX 350h, and Lexus NX 350, with an average cost to insure of $2,220 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 $155 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 $1,860 per year ($155 per month) and ending with the Lincoln Corsair at $2,300 per year ($192 per month).

              Cheapest Luxury SUV Insurance in San Francisco, California
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,860$155
              Cadillac XT4Compact$1,906$159
              Volvo XC40Compact$2,090$174
              Cadillac XT5Midsize$2,136$178
              Lexus NX 250Compact$2,160$180
              BMW X1Compact$2,164$180
              Lexus NX 350hCompact$2,176$181
              Lexus UX 250hCompact$2,176$181
              Lexus NX 350Compact$2,212$184
              Lexus UX 200Compact$2,220$185
              Jaguar E-PaceMidsize$2,226$186
              Lexus RX 350Midsize$2,234$186
              Acura MDXMidsize$2,246$187
              Lincoln NautilusMidsize$2,268$189
              Lexus NX 450hCompact$2,276$190
              Mercedes-Benz GLB 250Compact$2,284$190
              Lexus RX 450hMidsize$2,288$191
              Infiniti QX50Midsize$2,296$191
              Land Rover EvoqueCompact$2,296$191
              Lincoln CorsairCompact$2,300$192

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 March 13, 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 $2,480 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 $341 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $395 more per year. Not all states use credit score as a rating factor, so check with your agent or company.