The city of San Francisco is marked by nearly 50 high hills. Navigating the streets can be treacherous. Drivers face winding, narrow, hilly streets along with other perils like cyclists and pedestrians.
Commutes in San Francisco tend to be long and tedious as well. Drivers in San Francisco need patience and good car insurance to ensure they are protected on the road.
If you plan to drive in San Francisco, getting car insurance should be your first stop. Car insurance can protect your finances if you get into an accident.
Talk to a Trusted Choice® Independent Insurance Agent about the right coverage for San Francisco residents. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
Cost of Car Insurance in San Francisco
Did You know? The average cost of San Francisco car insurance is $296 per month.
At $296 per month, on average, San Francisco car insurance may seem expensive. But no one should overpay. If you shop around, you might find rates that are a better fit for your budget.
Before you shop, you should know what affects the cost of car insurance. Your ZIP code, the make and model of your car, and the distance you drive to work or school every day have an impact on what you pay.
With the help of a Trusted Choice Independent Insurance Agent, you can review quotes from multiple insurance companies to be sure you are betting the best deal.
San Francisco Insurance Requirements
- Bodily Injury Liability: $15,000 per person, $30,000 per accident required
- Property Damage Liability: $5,000 required
- Personal Injury Protection (PIP): Not required
Who Pays If The Accident Wasn’t My Fault?
The driver who caused the accident, of course. Unfortunately, some San Francisco drivers don’t buy auto insurance. Approximately 15.2% of California drivers are uninsured. If an uninsured driver causes an accident, the other driver is on the hook for the cost of vehicle damage and injuries.
That’s why you need “uninsured motorist coverage.” This insurance coverage will pay to fix your damaged car and handle your medical bills if a driver who does not have insurance hits you. California has a high percentage of uninsured drivers, but the state does not require you to purchase uninsured motorist coverage.
What Affects The Cost of San Francisco Car Insurance?
San Francisco auto insurance premiums vary greatly from person to person, so don’t expect to pay the same as your neighbor.
While where you live plays a role, insurance companies also consider a variety of other factors, like your age and gender, your driving record, and the kind of car you drive.
The type of car you drive is one of the most important factors in your San Francisco car insurance cost. Any car that is more likely to be in an accident or be stolen or is more expensive to repair or replace will cost more to insure.
If you drive a brand-new luxury SUV, for example, expect to pay more than your neighbor who drives a used minivan. If you drive a hybrid, you will likely pay more for insurance than someone who drives a similar, but gas-powered, model.
Your Trusted Choice Independent Insurance Agent can advise you on the types of cars that are the most affordable to insure. An independent agent can also help you determine if you qualify for any special discounts from your insurance company.
City Factors That Will Affect Your Rate:
People with longer commute times spend more time on the road and are more likely to get into an accident.
San Francisco residents tend to have very long commute times compared to the national average. Higher car insurance rates in San Francisco reflect this.
- National average: 25.4 minutes
- San Francisco average: 31.8 minutes
Number of Auto Thefts in San Francisco
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Albany: 8.07
San Francisco has a high rate of auto theft compared to the U.S., overall. This is a concern for both drivers and insurance companies. If your car is stolen, you will face serious financial consequences if you do not have car insurance.
Auto insurance can help you replace a stolen vehicle or personal property. With San Francisco auto insurance, you can sleep easy knowing that if you are a victim of auto theft, you can get assistance and payment quickly so you can get back to your life.
Meanwhile, always take precautions to keep your car safe from thieves. Park in safe, well-lit areas, never leave your car running while unattended, and always lock your car — even in your own driveway.
Find Affordable Car Insurance in San Francisco
Trusted Choice Independent Insurance Agents aren't tied down to one carrier. They can get quotes from numerous insurance carriers, so you have a variety of policy options.
No matter where you live or what you drive, a Trusted Choice independent agent will assess the risks you face so you can find affordable San Francisco car insurance.