With narrow roads, one-way streets and steep hills, driving in San Francisco comes with unique challenges that can be tricky no matter how long you’ve been driving there.
The best way to protect yourself from car accidents and damage from break-ins is to invest in a full coverage car insurance policy. To show you how different factors — like your age, vehicle and driving record — affect your car insurance rate we’ve compiled real quotes from Jerry customers in San Francisco.
More: Best car insurance in California
Cheapest minimum coverage insurance in San Francisco
California drivers must carry the following coverage, per state law:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are some of the cheapest quotes for state minimum coverage that drivers in San Francisco received through Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $432 | Geico | 42 | August 15, 2025 | San Francisco, CA | 94103 |
| $38 | $457 | Geico | 30 | June 26, 2025 | San Francisco, CA | 94109 |
| $39 | $463 | Geico | 30 | August 6, 2025 | San Francisco, CA | 94131 |
| $42 | $503 | Geico | 43 | July 29, 2025 | San Francisco, CA | 94131 |
| $42 | $508 | ROOT | 24 | August 4, 2025 | San Francisco, CA | 94111 |
| $45 | $542 | Mercury | 45 | June 25, 2025 | San Francisco, CA | 94117 |
| $49 | $583 | Geico | 24 | June 20, 2025 | San Francisco, CA | 94110 |
| $49 | $584 | Geico | 26 | August 11, 2025 | San Francisco, CA | 94132 |
| $50 | $595 | Geico | 36 | March 29, 2025 | San Francisco, CA | 94115 |
| $50 | $595 | National General | 61 | July 12, 2025 | San Francisco, CA | 94109 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in California
Cheapest full coverage insurance in San Francisco
Some risks that may be unique to the Bay Area, such as earthquakes and auto theft, are usually not covered by state minimum insurance. Comprehensive insurance provides protection against damage caused by non-collision events such as weather-related incidents, animal interference and theft.
Full coverage also includes collision insurance, which pays for repairs to your vehicle after an accident, regardless of who is at fault.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $70 | $836 | Mercury | 65 | March 28, 2025 | San Francisco, CA | 94114 |
| $88 | $1,060 | Mercury | 46 | June 27, 2025 | San Francisco, CA | 94123 |
| $90 | $1,082 | ROOT | 54 | August 7, 2025 | San Francisco, CA | 94114 |
| $92 | $1,105 | National General | 40 | June 17, 2025 | San Francisco, CA | 94117 |
| $95 | $1,142 | Mercury | 60 | July 20, 2025 | San Francisco, CA | 94109 |
| $97 | $1,164 | Mercury | 40 | August 4, 2025 | San Francisco, CA | 94130 |
| $98 | $1,172 | Progressive | 42 | July 31, 2025 | San Francisco, CA | 94110 |
| $98 | $1,173 | National General | 52 | July 3, 2025 | San Francisco, CA | 94110 |
| $99 | $1,186 | Mercury | 55 | June 6, 2025 | San Francisco, CA | 94158 |
| $101 | $1,214 | ROOT | 55 | March 8, 2025 | San Francisco, CA | 94110 |
More: Best car insurance companies
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in San Francisco (18-29 years old)
Young drivers often pay more for car insurance than older drivers, but that doesn't mean they can't get affordable rates. Here are cheap car insurance quotes that young Jerry customers in San Francisco have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $508 | ROOT | 24 | No | August 4, 2025 | San Francisco, CA | 94111 |
| $49 | $583 | Geico | 24 | No | June 20, 2025 | San Francisco, CA | 94110 |
| $49 | $584 | Geico | 26 | No | August 11, 2025 | San Francisco, CA | 94132 |
| $50 | $600 | Mercury | 25 | No | April 7, 2025 | San Francisco, CA | 94123 |
| $51 | $611 | Geico | 29 | No | August 12, 2025 | San Francisco, CA | 94110 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in San Francisco (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $40 | $480 | Progressive | 42 | No | May 21, 2025 | San Francisco, CA | 94107 |
| $42 | $503 | Geico | 43 | No | July 29, 2025 | San Francisco, CA | 94131 |
| $47 | $560 | ROOT | 34 | No | February 15, 2025 | San Francisco, CA | 94122 |
| $50 | $595 | Geico | 36 | No | March 29, 2025 | San Francisco, CA | 94115 |
| $50 | $596 | Progressive | 47 | No | May 7, 2025 | San Francisco, CA | 94131 |
Cheapest car insurance for older drivers (55+ years old)
Here are the cheapest San Francisco car insurance quotes real Jerry customers age 55 and older received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $45 | $538 | Progressive | 60 | No | May 30, 2025 | San Francisco, CA | 94122 |
| $50 | $595 | National General | 61 | No | July 12, 2025 | San Francisco, CA | 94109 |
| $54 | $649 | National General | 58 | No | August 1, 2025 | San Francisco, CA | 94109 |
| $59 | $708 | ROOT | 73 | No | July 3, 2025 | San Francisco, CA | 94117 |
| $60 | $724 | Progressive | 61 | No | July 12, 2025 | San Francisco, CA | 94116 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with a clean record in San Francisco
Here are the cheapest quotes San Francisco drivers who maintain a spotless driving record received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $40 | $480 | Progressive | 42 | May 21, 2025 | No | San Francisco, CA | 94107 |
| $42 | $503 | Geico | 43 | July 29, 2025 | No | San Francisco, CA | 94131 |
| $42 | $508 | ROOT | 24 | August 4, 2025 | No | San Francisco, CA | 94111 |
| $45 | $538 | Progressive | 60 | May 30, 2025 | No | San Francisco, CA | 94122 |
| $49 | $583 | Geico | 24 | June 20, 2025 | No | San Francisco, CA | 94110 |
Cheapest car insurance for drivers with a low credit score in San Francisco
Here are the cheapest car insurance rates that San Francisco drivers with a credit score below 550 received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $56 | $671 | National General | 38 | November 16, 2024 | San Francisco, CA | 94134 |
| <550 | $60 | $715 | National General | 44 | December 22, 2024 | San Francisco, CA | 94122 |
| <550 | $66 | $790 | National General | 56 | July 9, 2025 | San Francisco, CA | 94116 |
| <550 | $75 | $906 | Progressive | 26 | March 17, 2025 | San Francisco, CA | 94112 |
| <550 | $80 | $962 | ROOT | 26 | June 14, 2025 | San Francisco, CA | 94112 |
Cheapest car insurance for drivers with at-fault accidents in San Francisco
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $56 | $671 | National General | 38 | No | November 16, 2024 | San Francisco, CA | 94134 |
| At Fault With Injury | $57 | $684 | Progressive | 42 | No | June 20, 2025 | San Francisco, CA | 94134 |
| At Fault With Injury | $58 | $692 | Progressive | 44 | No | April 29, 2025 | San Francisco, CA | 94118 |
| At Fault With Injury | $59 | $713 | National General | 36 | No | March 20, 2025 | San Francisco, CA | 94131 |
| At Fault With Injury | $62 | $750 | Progressive | 30 | No | May 16, 2025 | San Francisco, CA | 94112 |
Cheapest car insurance for drivers with a speeding ticket in San Francisco
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $66 | $794 | Progressive | 61 | December 13, 2024 | San Francisco, CA | 94124 |
| Speeding under 15 | $67 | $800 | Mercury | 33 | July 28, 2025 | San Francisco, CA | 94103 |
| Speeding under 15 | $73 | $878 | Progressive | 24 | July 31, 2025 | San Francisco, CA | 94109 |
| Speeding under 15 | $76 | $912 | National General | 42 | July 3, 2024 | San Francisco, CA | 94115 |
| Speeding under 15 | $83 | $991 | National General | 27 | April 22, 2025 | San Francisco, CA | 94115 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
