Cheapest Car Insurance In San Francisco, CA 2025
If you’re looking for budget-friendly car insurance in San Francisco, GEICO is the best option at just $36 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re looking for budget-friendly car insurance in San Francisco, CA, you’ll find that rates can vary a lot.
Drivers searching for low-cost liability insurance will find GEICO to be the most affordable. Those wanting full coverage get the best deal with Progressive, while young drivers save the most with Kemper.
Cheapest Car Insurance Companies In San Francisco, CA 2025
Cheapest Liability-only Car Insurance In San Francisco: GEICO
If you’re looking for budget-friendly minimum coverage car insurance in San Francisco, GEICO is the most affordable at just $36 per month.
The table below provides a side-by-side comparison of rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $432 |
| Mercury | $47 | $564 |
| State Farm | $48 | $576 |
| Kemper | $51 | $612 |
| CIG | $50 | $600 |
Cheapest Full Coverage Insurance Rates In San Francisco: Progressive
If you’re looking for budget-friendly full coverage car insurance in San Francisco, Progressive is the cheapest option at $97 a month.
Compare average auto insurance rates from San Francisco’s most affordable insurers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $97 | $1,164 |
| Mercury | $124 | $1,488 |
| State Farm | $126 | $1,512 |
| Kemper | $133 | $1,596 |
| CIG | $120 | $1,440 |
Cheapest Car Insurance Rates For Seniors: 21st Century
21st Century offers the best rates for senior drivers in San Francisco, with an average cost of $116 per month.
Below is a table comparing average auto insurance costs from the most affordable insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| 21st Century | $116 | $1,392 |
| Direct Auto | $118 | $1,416 |
| Allied | $130 | $1,560 |
| USAA | $150 | $1,800 |
| Ensurance | $126 | $1,512 |
Cheapest Rates In San Francisco For Teenagers: State Farm
In San Francisco, teenage drivers will find the most budget-friendly car insurance from State Farm, averaging $326 per month.
Below is a table listing the companies that offer the most budget-friendly insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $326 | $3,912 |
| Mercury | $389 | $4,668 |
| Farmers | $692 | $8,304 |
| GEICO | $330 | $3,960 |
| Allstate | $486 | $5,832 |
Cheapest Auto Insurance For Young Adults in San Francisco: Kemper
At $107 per month on average, Kemper offers the cheapest car insurance for young adults in San Francisco.
The table presents a side-by-side comparison of the most budget-friendly car insurance options for young adults in San Francisco.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper Auto | $107 | $1,284 |
| Mercury | $156 | $1,872 |
| Direct Auto | $109 | $1,308 |
| Ensurance | $186 | $2,232 |
| Kemper National | $167 | $2,004 |
Cheapest Car Insurance In San Francisco For Good Drivers: GEICO
Good drivers in San Francisco will find the best car insurance deals with GEICO, at approximately $36 per month.
Good drivers can refer to the table below to find the lowest average insurance quotes available.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $432 |
| Mercury | $47 | $564 |
| State Farm | $48 | $576 |
| Kemper | $51 | $612 |
| CIG | $50 | $600 |
Find affordable San Francisco rates
Cheapest Car Insurance In San Francisco After A Speeding Ticket: Mercury
Mercury stands out as a low-cost choice in San Francisco, with average monthly premiums of $196 for drivers who have a speeding violation.
The following table highlights the typical rates for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $196 | $2,028 |
| Progressive | $244 | $2,328 |
| GEICO | $288 | $3,456 |
| State Farm | $290 | $3,480 |
| Allstate | $311 | $3,732 |
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Cheapest For Drivers With After At-Fault Accident: Mercury
Mercury is the most budget-friendly option for drivers with an at-fault accident, offering rates around $254 per month.
These insurance companies offer the best rates for drivers who have been responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $254 | $3,048 |
| Progressive | $262 | $3,144 |
| GEICO | $316 | $3,792 |
| State Farm | $372 | $4,464 |
| Farmers | $550 | $6,600 |
Cheapest Rates In San Francisco For Drivers After A DUI: Mercury
If you have a DUI, Mercury is the most budget-friendly option in San Francisco, with an average monthly rate of $290.
The following table highlights the most budget-friendly insurance rates for drivers with a DUI in San Francisco.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $290 | $3,480 |
| Progressive | $381 | $4,572 |
| Farmers | $550 | $6,600 |
| USAA | $420 | $5,040 |
| Allstate | $850 | $10,200 |
Best Car Insurance Companies In San Francisco
If you’re looking for affordable insurance in San Francisco, GEICO offers the best rate at $36 per month, while Progressive and Mercury are also worth considering at $40 and $47, respectively.
The following list ranks the top 10 auto insurers in San Francisco, CA, according to their average monthly rates.
| Company | Monthly Premium |
| GEICO | $36 |
| Mercury | $47 |
| State Farm | $48 |
| Kemper | $51 |
| CIG | $50 |
| Progressive | $40 |
| CSAA | $48 |
| Farmers | $52 |
| State National | $55 |
| Hartford | $60 |
Average Auto Insurance Rates In San Francisco – By Age
Insurance providers heavily weigh age when determining premiums. Due to their limited experience and higher accident risk, younger drivers often pay more, with teens seeing annual costs of about $3,154.
When drivers hit 25, they often experience reduced insurance rates, provided they maintain a spotless record.
Insurance providers tend to offer the most affordable rates to drivers in their 50s and early 60s, since age plays a role in assessing experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $3,154 |
| 20s | $2,551 |
| 30s | $2,157 |
| 40s | $1,924 |
| 50s | $2,241 |
| 60s | $2,326 |
| 70s | $1,865 |
Average Rates In San Francisco – By Vehicle
The cost of your car insurance is influenced by the type of vehicle you own. Insurers assess factors like make, model, and year, with newer luxury cars typically resulting in higher premiums.
The following table provides a breakdown of average insurance costs in San Francisco for different vehicles.
| Vehicle | Average Monthly Rate |
| Kia Optima | $682 |
| Bmw X7 | $750 |
| Ford Edge | $633 |
| Toyota Mirai | $2106 |
| Bmw 525 | $536 |
How Much Is Car Insurance In Other Cities in California?
The cost of your car insurance is largely influenced by where you live. Insurers analyze crime rates, accident likelihood, and other location-based risks, leading to higher premiums in city environments.
If you live in Oakland, you can expect to pay about $203 a month for car insurance, while Bakersfield drivers pay around $155.
| City | Average Monthly Rate |
| Los Angeles | $192 |
| Riverside | $159 |
| San Jose | $165 |
| Anaheim | $158 |
| Santa Barbara | $147 |
| Sacramento | $169 |
| Fresno | $159 |
| Oakland | $203 |
| Stockton | $163 |
| Bakersfield | $155 |
Average Cost Of Auto Insurance In San Francisco – By Zip Code
Insurance companies rely on zip codes to gauge crime levels, resulting in varying car insurance rates across different areas.
The following table provides a breakdown of insurance rates by zip code in San Francisco.
| Zip Code | Average Monthly Rate |
| 94112 | $207 |
| 94109 | $196 |
| 94114 | $202 |
| 94102 | $243 |
| 94122 | $190 |
Find affordable San Francisco rates
Our Methodology
Taking into account customer service ratings, policy variety, affordability, and online feedback, I’ve put together a thorough assessment of car insurance companies in San Francisco, CA.
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FAQs
Who has the lowest car insurance rates in San Francisco?
If you’re looking for the cheapest insurance in San Francisco, GEICO is the top option for minimum coverage, while Progressive offers the most affordable full coverage with collision and comprehensive benefits.
What is the average cost of car insurance in San Francisco?
On average, car insurance in San Francisco costs about $180 per month, but your exact rate will depend on factors like your location, car make and model, and driving record.
