In San Francisco, we found that GEICO offers the cheapest state minimum coverage on average. California requires drivers to carry a minimum of $15,000 in bodily injury liability coverage per person and $30,000 per accident. You also need a minimum of $5,000 in property damage liability per accident.
These rates are appealing if you’re okay with having minimum coverage, but you may want additional coverage if you drive a lot, have a history of driving infractions, or want more protection.
GEICO consistently scores high in customer service, claims handling, customer recommendations, policy renewals, and customer loyalty. It is the second-largest auto insurance company in the U.S. and is known for offering low rates to consumers online and over the phone.
GEICO offers plenty of discounts and is the most affordable for San Francisco drivers with older vehicles looking to cut costs by carrying California’s minimum mandatory auto insurance coverage. You can manage your policy through the company’s website and mobile app, which are user-friendly.