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.

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How much does San Francisco car insurance cost?

The average car insurance cost in San Francisco is $2,416 per year, which is 33.2% more than the overall national average rate of $1,728. The average monthly cost of car insurance in San Francisco is $201 for a full-coverage car insurance policy.

In the state of California, the average car insurance cost is $2,172 per year, so the average cost in San Francisco is $244 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, $478 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 August 12, 2023
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$4,066$339
$500$4,804$400
$250$5,580$465
30$1,000$2,132$178
$500$2,544$212
$250$2,974$248
40$1,000$2,038$170
$500$2,416$201
$250$2,808$234
50$1,000$1,856$155
$500$2,196$183
$250$2,552$213
60$1,000$1,824$152
$500$2,158$180
$250$2,508$209

In the chart above, the cost of auto insurance in San Francisco ranges from $1,824 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,580 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 $152 to $465 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 – $8,648 per year or $721 per month
  • 17-year-old driver – $8,088 per year or $674 per month
  • 18-year-old driver – $7,556 per year or $630 per month
  • 19-year-old driver – $6,838 per year or $570 per month
  • 20-year-old driver – $4,804 per year or $400 per month
  • 30-year-old driver – $2,544 per year or $212 per month
  • 40-year-old driver – $2,416 per year or $201 per month
  • 50-year-old driver – $2,196 per year or $183 per month
  • 60-year-old driver – $2,158 per year or $180 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 $1,932 or less per year ($161 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 $2,046 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$1,826$152
2Subaru Crosstrek$1,844$154
3Nissan Kicks$1,852$154
4Honda Passport$1,876$156
5Nissan Rogue Sport$1,882$157
6Mazda CX-5$1,896$158
7Buick Encore$1,924$160
8Buick Envision$1,932$161
9Kia Seltos$1,956$163
10Subaru Ascent$1,964$164
11Hyundai Venue$1,968$164
12Subaru Impreza$1,996$166
13Ford Maverick$2,004$167
14Chevrolet Colorado$2,008$167
15Honda HR-V$2,008$167
16Acura RDX$2,014$168
17Hyundai Kona$2,024$169
18Subaru Forester$2,036$170
19Ford Edge$2,046$171
20Honda CR-V$2,046$171
21Mazda CX-30$2,050$171
22Ford Explorer$2,056$171
23Volkswagen Atlas$2,062$172
24Chevrolet Trax$2,074$173
25Nissan Murano$2,074$173
26Subaru Outback$2,078$173
27Nissan Frontier$2,084$174
28Volkswagen Tiguan$2,096$175
29Ford Bronco Sport$2,102$175
30Fiat 500X$2,140$178

    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 August 12, 2023
    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 August 12, 2023
    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$2,196$183
    Midsize Pickup$2,280$190
    Midsize SUV$2,356$196
    Minivan$2,366$197
    Compact Car$2,404$200
    Midsize Car$2,462$205
    Compact Luxury SUV$2,610$218
    Half-ton Pickup$2,620$218
    Large SUV$2,642$220
    Compact Luxury Car$2,660$222
    Heavy Duty Pickup$2,776$231
    Midsize Luxury SUV$2,804$234
    Large Car$2,810$234
    Midsize Luxury Car$3,068$256
    Sports Car$3,302$275
    Large Luxury SUV$3,548$296
    Large Luxury Car$3,726$311

    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 $2,598 per year for full coverage insurance up to the BMW M8 at $4,044 per year.

    As another example, in the large luxury SUV segment, the cost of insurance ranges from the Volvo XC90 costing $2,492 per year to the Mercedes-Benz Maybach GLS 600 costing $4,588 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 $189 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 $2,330 per year or less.

    Additional vehicles that rank well include the Honda Civic, Kia Forte, Chrysler 300, and Toyota Crown, which cost between $2,330 and $2,534 per year for auto insurance.

    Auto insurance in this segment can cost as low as $166 per month, depending on the company.

    The most budget-friendly non-luxury compact car to insure in San Francisco is the Subaru Impreza at $1,996 per year. For midsize cars, the Subaru Legacy has the cheapest rates at $2,224 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,354 per year.

    The table below ranks the cars with the most affordable car insurance rates in San Francisco, starting with the Subaru Impreza at $166 per month and ending with the Volkswagen Arteon at $211 per month.

    Cheapest Car Insurance in San Francisco, California
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,996$166
    Volkswagen JettaCompact$2,208$184
    Subaru LegacyMidsize$2,224$185
    Nissan SentraCompact$2,242$187
    Toyota CorollaCompact$2,266$189
    Volkswagen GolfCompact$2,272$189
    Toyota PriusCompact$2,274$190
    Toyota CamryMidsize$2,292$191
    Mazda 3Compact$2,316$193
    Kia K5Midsize$2,330$194
    Chevrolet MalibuMidsize$2,350$196
    Chrysler 300Full-size$2,354$196
    Honda CivicCompact$2,364$197
    Kia ForteCompact$2,370$198
    Mitsubishi Mirage G4Compact$2,380$198
    Nissan LeafCompact$2,434$203
    Honda AccordMidsize$2,438$203
    Toyota CrownMidsize$2,450$204
    Tesla Model 3Midsize$2,466$206
    Volkswagen ArteonMidsize$2,534$211

      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 August 12, 2023
      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 $1,882 or less per year, or around $157 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 $1,964 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 $1,964 and $2,074 to insure per year.

      From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $152 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 $1,826 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,876 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,262 per year.

      The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Chevrolet Trailblazer at $1,826 per year and ending with the Chevrolet Trax at $2,074 per year.

      Cheapest SUV Insurance in San Francisco, California
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$1,826$152
      Subaru CrosstrekCompact$1,844$154
      Nissan KicksCompact$1,852$154
      Honda PassportMidsize$1,876$156
      Nissan Rogue SportCompact$1,882$157
      Mazda CX-5Compact$1,896$158
      Buick EncoreCompact$1,924$160
      Buick EnvisionCompact$1,932$161
      Kia SeltosCompact$1,956$163
      Subaru AscentMidsize$1,964$164
      Hyundai VenueCompact$1,968$164
      Honda HR-VCompact$2,008$167
      Hyundai KonaCompact$2,024$169
      Subaru ForesterCompact$2,036$170
      Ford EdgeMidsize$2,046$171
      Honda CR-VCompact$2,046$171
      Mazda CX-30Compact$2,050$171
      Ford ExplorerMidsize$2,056$171
      Volkswagen AtlasMidsize$2,062$172
      Chevrolet TraxCompact$2,074$173

        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 August 11, 2023
        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 $183 or less per month.

        Additional pickups that rank well are the Nissan Titan, Ford F150, Toyota Tacoma, and Honda Ridgeline, with average cost of $2,454 per year or less.

        From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $167 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$2,004$167
        Chevrolet ColoradoMidsize$2,008$167
        Nissan FrontierMidsize$2,084$174
        Ford RangerMidsize$2,144$179
        GMC CanyonMidsize$2,194$183
        Toyota TacomaMidsize$2,206$184
        Hyundai Santa CruzMidsize$2,244$187
        Nissan TitanFull-size$2,390$199
        Honda RidgelineMidsize$2,398$200
        Ford F150Full-size$2,454$205
        GMC Sierra 2500 HDHeavy Duty$2,470$206
        Jeep GladiatorMidsize$2,514$210
        Toyota TundraFull-size$2,538$212
        GMC Sierra 3500Heavy Duty$2,552$213
        GMC SierraFull-size$2,636$220
        Ram TruckFull-size$2,638$220
        Chevrolet SilveradoFull-size$2,644$220
        Chevrolet Silverado HD 2500Heavy Duty$2,652$221
        Chevrolet Silverado HD 3500Heavy Duty$2,656$221
        Nissan Titan XDHeavy Duty$2,696$225

          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 August 11, 2023
          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 $2,230 per year. Second place is the Audi TT at $2,502 per year, in third place is the Ford Mustang, costing an average of $2,616 per year, and the fourth cheapest is the BMW Z4, costing an average of $2,636 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 $2,912 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 $2,912 and $3,630 per year for auto insurance in San Francisco.

          On a monthly basis, car insurance rates in this segment can cost as low as $186 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 $2,230 per year and ending with the Lexus LC 500 at $3,630 per year.

          Cheapest Sports Car Insurance in San Francisco, California
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$2,230$186
          Audi TTSports Car$2,502$209
          Ford MustangSports Car$2,616$218
          BMW Z4Sports Car$2,636$220
          Subaru WRXSports Car$2,666$222
          Nissan ZSports Car$2,708$226
          Toyota GR SupraSports Car$2,752$229
          Toyota GR86Sports Car$2,788$232
          BMW M2Sports Car$2,804$234
          Subaru BRZSports Car$2,912$243
          Chevrolet CorvetteSports Car$2,976$248
          BMW M3Sports Car$3,044$254
          Lexus RC FSports Car$3,106$259
          Porsche 718Sports Car$3,110$259
          Chevrolet CamaroSports Car$3,156$263
          Mercedes-Benz AMG GT53Sports Car$3,350$279
          Jaguar F-TypeSports Car$3,466$289
          Porsche TaycanSports Car$3,542$295
          BMW M4Sports Car$3,586$299
          Lexus LC 500Sports Car$3,630$303

            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 August 11, 2023
            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 $2,168 per year. Second place is the BMW 330i at $2,450 per year, and the third most affordable is the Acura TLX, costing an average of $2,490 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 $2,626 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 $2,626 and $2,698 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 $181 per month, depending on your location.

            The lowest-cost compact luxury car to insure in San Francisco is the Acura Integra at $2,168 per year. For midsize luxury models, the Cadillac CT5 is the cheapest model to insure at $2,598 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,708 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 $2,168 per year ($181 per month) and ending with the Volvo S60 at $2,698 per year ($225 per month).

            Cheapest Luxury Car Insurance in San Francisco, California
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$2,168$181
            BMW 330iCompact$2,450$204
            Acura TLXCompact$2,490$208
            Cadillac CT4Compact$2,522$210
            Genesis G70Compact$2,572$214
            Cadillac CT5Midsize$2,598$217
            Lexus ES 350Midsize$2,604$217
            BMW 330eCompact$2,612$218
            Lexus ES 250Midsize$2,620$218
            BMW 228iCompact$2,626$219
            Lexus RC 300Midsize$2,628$219
            Mercedes-Benz AMG CLA35Midsize$2,632$219
            Audi A3Midsize$2,640$220
            BMW 230iCompact$2,644$220
            Mercedes-Benz C300Compact$2,662$222
            Audi A4Compact$2,672$223
            Lexus RC 350Compact$2,682$224
            Audi S3Compact$2,692$224
            Mercedes-Benz AMG CLA45Midsize$2,694$225
            Volvo S60Compact$2,698$225

              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 August 11, 2023
              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 $2,014 per year, Lexus RX 350 at $2,162 per year, Cadillac XT4 at $2,178 per year, and Volvo XC40 at $2,222 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 $2,350 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 $168 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 $2,014 per year ($168 per month) and ending with the Mercedes-Benz GLC300 at $2,460 per year ($205 per month).

              Cheapest Luxury SUV Insurance in San Francisco, California
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$2,014$168
              Lexus RX 350Midsize$2,162$180
              Cadillac XT4Compact$2,178$182
              Volvo XC40Compact$2,222$185
              Infiniti QX50Midsize$2,236$186
              Lexus UX 250hCompact$2,258$188
              Cadillac XT5Midsize$2,294$191
              Mercedes-Benz GLA250Compact$2,342$195
              Mercedes-Benz GLB 250Compact$2,350$196
              Cadillac XT6Midsize$2,352$196
              Lexus NX 250Compact$2,380$198
              Acura MDXMidsize$2,404$200
              Lexus NX 350hCompact$2,408$201
              Lexus NX 350Compact$2,424$202
              Lincoln CorsairCompact$2,426$202
              Lexus NX 450hCompact$2,438$203
              Lincoln NautilusMidsize$2,446$204
              BMW X1Compact$2,450$204
              Alfa Romeo TonaleCompact$2,456$205
              Mercedes-Benz GLC300Compact$2,460$205

                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 August 12, 2023
                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 $2,576 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 $379 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $440 more per year. Not all states use credit score as a rating factor, so check with your agent or company.