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 $2,104 per year, which is 38.1% more than the overall national average rate of $1,523. The average monthly cost of car insurance in San Francisco is $175 for a full-coverage car insurance policy.

In the state of California, the average car insurance cost is $1,658 per year, so the average cost in San Francisco is $446 more per year. The average cost of car insurance in San Francisco compared to other California locations is $348 per year less than in Los Angeles, $454 per year more expensive than in San Diego, and $366 per year more than in San Jose.

The chart below shows average San Francisco auto insurance cost for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all San Francisco zip codes.
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$3,546$296
$500$4,176$348
$250$4,842$404
30$1,000$1,860$155
$500$2,214$185
$250$2,582$215
40$1,000$1,780$148
$500$2,104$175
$250$2,442$204
50$1,000$1,624$135
$500$1,916$160
$250$2,220$185
60$1,000$1,594$133
$500$1,882$157
$250$2,180$182

In the chart above, the cost of auto insurance in San Francisco ranges from $1,594 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,842 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 $133 to $404 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 – $7,538 per year or $628 per month
  • 17-year-old driver – $7,042 per year or $587 per month
  • 18-year-old driver – $6,572 per year or $548 per month
  • 19-year-old driver – $5,946 per year or $496 per month
  • 20-year-old driver – $4,176 per year or $348 per month
  • 30-year-old driver – $2,214 per year or $185 per month
  • 40-year-old driver – $2,104 per year or $175 per month
  • 50-year-old driver – $1,916 per year or $160 per month
  • 60-year-old driver – $1,882 per year or $157 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-3, Mazda CX-5, and Mazda CX-30.

Average car insurance rates for those models cost $1,742 or less per year ($145 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 Kia Sedona, Hyundai Tucson, Nissan Kicks, and Kia Sportage. 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 $1,786 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-3$1,630$136
2Chevrolet Spark$1,640$137
3Honda CR-V$1,694$141
4Mazda CX-5$1,716$143
5Kia Rio5$1,718$143
6Mazda CX-30$1,720$143
7Ford Ecosport$1,728$144
8Toyota Corolla$1,730$144
9Toyota C-HR$1,732$144
10Nissan Rogue Sport$1,742$145
11Hyundai Kona$1,746$146
12Chevrolet Trax$1,752$146
13Kia Sedona$1,758$147
14Buick Envision$1,762$147
15Chevrolet Colorado$1,762$147
16Nissan Kicks$1,766$147
17Hyundai Venue$1,768$147
18Mitsubishi Eclipse Cross$1,770$148
19Hyundai Tucson$1,774$148
20Kia Sportage$1,778$148
21Jeep Compass$1,786$149
22Ford Edge$1,790$149
23Kia Soul$1,790$149
24Volkswagen Golf$1,790$149
25Acura RDX$1,792$149
26Chevrolet Equinox$1,800$150
27Chevrolet Blazer$1,802$150
28Subaru Impreza$1,806$151
29Chevrolet Trailblazer$1,810$151
30Honda Passport$1,812$151

    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.
    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 segements 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 2021 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.
    Average San Francisco, CA, Car Insurance Rates by Vehicle Segment
    San Francisco Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,902$159
    Small SUV$1,902$159
    Midsize Truck$1,912$159
    Midsize Van$1,964$164
    Midsize Minivan$1,996$166
    Small Car$2,062$172
    Midsize SUV$2,098$175
    Midsize Car$2,174$181
    Large Truck$2,218$185
    Small Luxury SUV$2,266$189
    Large SUV$2,268$189
    Large Car$2,360$197
    Midsize Luxury SUV$2,446$204
    Small Luxury Car$2,448$204
    Heavy Duty Truck$2,518$210
    Midsize Luxury Car$2,822$235
    Sports Car$2,986$249
    Large Luxury SUV$3,034$253
    Large Luxury Car$3,342$279
    Exotic Car$4,236$353

    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 $1,952 per year for full coverage insurance up to the BMW M5 at $3,626 per year.

    As another example, in the large luxury SUV segment, the cost of insurance ranges from the Volvo XC90 costing $2,252 per year to the Mercedes-Benz G63 AMG costing $4,116 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 Kia Rio5, Toyota Corolla, Subaru Impreza, Chevrolet Spark, and Volkswagen Golf. Auto insurance rates for these 2021 models average $151 or less per month.

    Not the cheapest in the list, but still ranking well, are cars like the Nissan Sentra, Kia Rio, Mazda 3, and Honda Insight, with average cost of $1,938 per year or less.

    Additional vehicles that rank well include the Kia Forte, Chevrolet Malibu, Mazda 6, and Honda Accord, which cost between $1,938 and $2,138 per year for auto insurance.

    Auto insurance in this segment can cost as low as $137 per month, depending on the company.

    The most budget-friendly non-luxury compact car to insure in San Francisco is the Chevrolet Spark at $1,640 per year. For midsize cars, the Honda Insight has the cheapest rates at $1,938 per year. And for full-size non-luxury cars, the Kia Cadenza has the cheapest car insurance rates at $2,116 per year.

    The table below ranks the cars with the most affordable car insurance rates in San Francisco, starting with the Chevrolet Spark at $137 per month and ending with the Volkswagen Passat at $178 per month.

    Cheapest Car Insurance in San Francisco, California
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,640$137
    Kia Rio5Compact$1,718$143
    Toyota CorollaCompact$1,730$144
    Volkswagen GolfCompact$1,790$149
    Subaru ImprezaCompact$1,806$151
    Nissan SentraCompact$1,880$157
    Honda CivicCompact$1,898$158
    Mazda 3Compact$1,902$159
    Kia RioCompact$1,934$161
    Honda InsightMidsize$1,938$162
    Hyundai AccentCompact$1,950$163
    Mazda 6Midsize$1,976$165
    Kia ForteCompact$1,980$165
    Chevrolet MalibuMidsize$1,986$166
    Toyota PriusCompact$2,096$175
    Subaru LegacyMidsize$2,108$176
    Kia CadenzaFull-size$2,116$176
    Honda AccordMidsize$2,130$178
    Toyota CamryMidsize$2,134$178
    Volkswagen PassatMidsize$2,138$178

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 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.
      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 Ford Ecosport, Mazda CX-5, Mazda CX-3, Mazda CX-30, and Honda CR-V. Car insurance prices for these 2021 models average $1,728 or less per year, or around $144 per month.

      Also ranking well in our comparison are SUVs like the Chevrolet Trax, Nissan Rogue Sport, Buick Envision, and Toyota C-HR, with an average cost of $1,762 per year or less.

      Some additional 2021 models that make the list include the Hyundai Tucson, Jeep Compass, Nissan Kicks, Chevrolet Equinox, and Chevrolet Blazer, which average between $1,762 and $1,800 to insure per year.

      From a monthly standpoint, full-coverage insurance on this segment in San Francisco for a good driver starts at around $136 per month, depending on your company and location.

      The lowest-cost non-luxury compact SUV to insure in San Francisco is the Mazda CX-3 at $1,630 per year. For midsize SUVs, the Ford Edge has the cheapest rates at $1,790 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,172 per year.

      The rate comparison table below ranks the SUVs with the cheapest car insurance in San Francisco, starting with the Mazda CX-3 at $1,630 per year and ending with the Chevrolet Equinox at $1,800 per year.

      Cheapest SUV Insurance in San Francisco, California
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,630$136
      Honda CR-VCompact$1,694$141
      Mazda CX-5Compact$1,716$143
      Mazda CX-30Compact$1,720$143
      Ford EcosportCompact$1,728$144
      Toyota C-HRCompact$1,732$144
      Nissan Rogue SportCompact$1,742$145
      Hyundai KonaCompact$1,746$146
      Chevrolet TraxCompact$1,752$146
      Buick EnvisionCompact$1,762$147
      Nissan KicksCompact$1,766$147
      Hyundai VenueCompact$1,768$147
      Mitsubishi Eclipse CrossCompact$1,770$148
      Hyundai TucsonCompact$1,774$148
      Kia SportageCompact$1,778$148
      Jeep CompassCompact$1,786$149
      Ford EdgeMidsize$1,790$149
      Kia SoulCompact$1,790$149
      Chevrolet EquinoxCompact$1,800$150
      Chevrolet BlazerMidsize$1,802$150

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 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.
        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 Nissan Frontier, Chevrolet Colorado, GMC Canyon, Toyota Tacoma, and Ford Ranger. Insurance rates for these 2021 models average $167 or less per month.

        Additional pickups that rank well are the Ford F150, GMC Sierra, Jeep Gladiator, and Toyota Tundra, with average cost of $2,220 per year or less.

        From a monthly standpoint, car insurance rates in San Francisco on this segment for the average driver starts at around $147 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$1,762$147
        Nissan FrontierMidsize$1,844$154
        Ford RangerMidsize$1,852$154
        Toyota TacomaMidsize$1,854$155
        GMC CanyonMidsize$2,008$167
        Jeep GladiatorMidsize$2,028$169
        Honda RidgelineMidsize$2,046$171
        Ford F150Full-size$2,092$174
        Toyota TundraFull-size$2,138$178
        GMC SierraFull-size$2,220$185
        Ram TruckFull-size$2,268$189
        Nissan TitanFull-size$2,272$189
        Chevrolet SilveradoFull-size$2,316$193
        Chevrolet Silverado HD 3500Heavy Duty$2,356$196
        GMC Sierra 2500 HDHeavy Duty$2,450$204
        Chevrolet Silverado HD 2500Heavy Duty$2,464$205
        GMC Sierra 3500Heavy Duty$2,512$209
        Ford F250 Super DutyHeavy Duty$2,542$212
        Ford F350 Super DutyHeavy Duty$2,544$212
        Ram Truck 2500Heavy Duty$2,546$212

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 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.
          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 $1,826 per year. Second place is the Ford Mustang at $2,226 per year, in third place is the Audi TT, costing an average of $2,374 per year, and the fourth cheapest is the Subaru WRX, costing an average of $2,402 per year.

          Also ranking well in our comparison are models like the Porsche 718, Toyota Supra, Subaru BRZ, and Chevrolet Camaro, with an average cost of $2,688 per year or less.

          Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the Porsche 911, Jaguar F-Type, Mercedes-Benz Maybach, BMW i8, Mercedes-Benz AMG GT, and BMW Alpina B7 average between $2,688 and $4,270 per year for auto insurance in San Francisco.

          On a monthly basis, car insurance rates in this segment can cost as low as $152 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 $1,826 per year and ending with the Mercedes-Benz Maybach at $4,270 per year.

          Cheapest Sports Car Insurance in San Francisco, California
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,826$152
          Ford MustangSports Car$2,226$186
          Audi TTSports Car$2,374$198
          Subaru WRXSports Car$2,402$200
          Nissan 370ZSports Car$2,444$204
          Toyota SupraSports Car$2,456$205
          Subaru BRZSports Car$2,564$214
          Porsche 718Sports Car$2,616$218
          Chevrolet CorvetteSports Car$2,628$219
          Chevrolet CamaroSports Car$2,688$224
          Dodge ChallengerSports Car$2,884$240
          Jaguar F-TypeSports Car$3,254$271
          Lexus LC 500Sports Car$3,374$281
          Porsche 911Sports Car$3,504$292
          Acura NSXSports Car$3,990$333
          BMW i8Sports Car$3,994$333
          Audi R8Sports Car$4,292$358
          Nissan GT-RSports Car$4,296$358

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 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.
            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 $1,952 per year. Second place is the Mercedes-Benz A220 at $2,040 per year, and the third most affordable is the Volvo S60, costing an average of $2,206 per year.

            Additional luxury cars that have affordable insurance rates include the Lexus RC 350, Lexus ES 350, Acura TLX, and Cadillac CT4, with average insurance cost of $2,324 per year or less.

            Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Genesis G70, Mercedes-Benz AMG CLA45, Audi A5, Alfa Romeo Giulia, Lexus IS 300, and Cadillac CT5 average between $2,324 and $2,420 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 $163 per month, depending on your location.

            The lowest-cost compact luxury car to insure in San Francisco is the Mercedes-Benz A220 at $2,040 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,952 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,366 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 $1,952 per year ($163 per month) and ending with the Cadillac CT5 at $2,420 per year ($202 per month).

            Cheapest Luxury Car Insurance in San Francisco, California
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,952$163
            Mercedes-Benz A220Compact$2,040$170
            Volvo S60Compact$2,206$184
            Lexus RC 300Midsize$2,250$188
            BMW 330iCompact$2,260$188
            BMW Z4Compact$2,268$189
            Cadillac CT4Compact$2,270$189
            Acura TLXCompact$2,298$192
            Lexus ES 350Midsize$2,316$193
            Lexus RC 350Compact$2,324$194
            Mercedes-Benz AMG CLA45Midsize$2,332$194
            BMW i3Compact$2,334$195
            BMW 230iCompact$2,344$195
            Lexus IS 300Midsize$2,360$197
            Audi A5Full-size$2,366$197
            Genesis G70Compact$2,374$198
            Alfa Romeo GiuliaCompact$2,376$198
            Audi S3Compact$2,388$199
            Audi A3Midsize$2,394$200
            Cadillac CT5Midsize$2,420$202

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 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.
              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 $1,792 per year, Cadillac XT4 at $1,850 per year, Volvo XC40 at $1,892 per year, and Volvo V60 at $2,010 per year.

              Other models that rank well include the Lincoln Nautilus, Lexus RX 350, Lexus UX 250H, and Volvo XC60, with an average cost to insure of $2,154 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 $149 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 $1,792 per year ($149 per month) and ending with the Land Rover Defender at $2,242 per year ($187 per month).

              Cheapest Luxury SUV Insurance in San Francisco, California
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,792$149
              Cadillac XT4Compact$1,850$154
              Volvo XC40Compact$1,892$158
              Volvo V60Midsize$2,010$168
              Cadillac XT5Midsize$2,060$172
              Lincoln CorsairCompact$2,088$174
              Lexus UX 250HCompact$2,106$176
              Lincoln NautilusMidsize$2,116$176
              Volvo XC60Compact$2,126$177
              Lexus RX 350Midsize$2,154$180
              Lexus UX 200Compact$2,158$180
              Mercedes-Benz GLB 250Compact$2,158$180
              BMW X1Compact$2,160$180
              Infiniti QX50Midsize$2,164$180
              Lexus NX 300Compact$2,170$181
              Jaguar E-PaceMidsize$2,174$181
              Mercedes-Benz GLC300Compact$2,184$182
              Lexus RX 350LMidsize$2,214$185
              Cadillac XT6Midsize$2,236$186
              Land Rover DefenderCompact$2,242$187

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 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.
                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 $2,598 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 $330 per year over a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $383 more per year. Not all states use credit score as a rating factor, so check with your agent or company.