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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $410 | Progressive | 57 | December 11, 2024 | San Francisco, CA | 94109 |
| $46 | $554 | Progressive | 54 | December 5, 2024 | San Francisco, CA | 94133 |
| $47 | $564 | Progressive | 51 | November 28, 2024 | San Francisco, CA | 94102 |
| $47 | $564 | National General | 55 | June 27, 2024 | San Francisco, CA | 94107 |
| $49 | $592 | Aspire Advantage | 36 | July 26, 2024 | San Francisco, CA | 94110 |
| $51 | $616 | National General | 45 | September 13, 2024 | San Francisco, CA | 94110 |
| $51 | $616 | National General | 37 | November 4, 2024 | San Francisco, CA | 94110 |
| $52 | $623 | National General | 55 | October 25, 2024 | San Francisco, CA | 94109 |
| $55 | $661 | Aspire Advantage | 40 | October 3, 2024 | San Francisco, CA | 94122 |
| $55 | $664 | National General | 40 | November 1, 2024 | San Francisco, CA | 94134 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $58 | $693 | National General | 49 | April 17, 2025 | San Francisco, CA | 94110 |
| $71 | $854 | Progressive | 29 | June 11, 2025 | San Francisco, CA | 94122 |
| $75 | $904 | Progressive | 43 | June 19, 2025 | San Francisco, CA | 94114 |
| $85 | $1,022 | Progressive | 32 | May 25, 2025 | San Francisco, CA | 94134 |
| $87 | $1,042 | Progressive | 31 | April 16, 2025 | San Francisco, CA | 94123 |
| $89 | $1,064 | Progressive | 35 | April 30, 2025 | San Francisco, CA | 94107 |
| $101 | $1,208 | Progressive | 27 | April 29, 2025 | San Francisco, CA | 94117 |
| $102 | $1,228 | Progressive | 25 | May 14, 2025 | San Francisco, CA | 94117 |
| $106 | $1,270 | Progressive | 29 | June 2, 2025 | San Francisco, CA | 94131 |
| $106 | $1,274 | Mercury | 25 | February 24, 2025 | San Francisco, CA | 94117 |
More: Best car insurance companies
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $586 | Progressive | 29 | No | May 29, 2025 | San Francisco, CA | 94110 |
| $55 | $658 | Progressive | 29 | No | February 8, 2025 | San Francisco, CA | 94122 |
| $58 | $692 | Mercury | 29 | No | June 22, 2025 | San Francisco, CA | 94117 |
| $60 | $717 | National General | 28 | No | September 26, 2024 | San Francisco, CA | 94109 |
| $61 | $728 | Progressive | 29 | No | May 20, 2025 | San Francisco, CA | 94102 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $400 | Progressive | 37 | No | December 16, 2024 | San Francisco, CA | 94134 |
| $34 | $414 | Progressive | 35 | No | February 27, 2025 | San Francisco, CA | 94123 |
| $36 | $428 | Progressive | 37 | No | May 8, 2025 | San Francisco, CA | 94110 |
| $38 | $460 | Progressive | 35 | No | March 20, 2025 | San Francisco, CA | 94114 |
| $42 | $504 | Progressive | 34 | No | April 11, 2025 | San Francisco, CA | 94123 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $410 | Progressive | 57 | No | December 11, 2024 | San Francisco, CA | 94109 |
| $47 | $564 | National General | 55 | No | June 27, 2024 | San Francisco, CA | 94107 |
| $51 | $614 | Progressive | 57 | No | February 21, 2025 | San Francisco, CA | 94124 |
| $51 | $616 | Progressive | 76 | No | June 14, 2025 | San Francisco, CA | 94122 |
| $52 | $623 | National General | 55 | No | October 25, 2024 | San Francisco, CA | 94109 |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $400 | Progressive | 37 | December 16, 2024 | No | San Francisco, CA | 94134 |
| $34 | $414 | Progressive | 35 | February 27, 2025 | No | San Francisco, CA | 94123 |
| $38 | $460 | Progressive | 35 | March 20, 2025 | No | San Francisco, CA | 94114 |
| $43 | $514 | Aspire Advantage | 49 | April 19, 2025 | No | San Francisco, CA | 94132 |
| $46 | $554 | Progressive | 54 | December 5, 2024 | No | San Francisco, CA | 94133 |
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 | $50 | $601 | Aspire Advantage | 37 | May 25, 2025 | San Francisco, CA | 94132 |
| <550 | $56 | $671 | National General | 38 | November 16, 2024 | San Francisco, CA | 94134 |
| <550 | $57 | $686 | National General | 55 | January 8, 2025 | San Francisco, CA | 94124 |
| <550 | $65 | $780 | National General | 64 | May 28, 2025 | San Francisco, CA | 94122 |
| <550 | $72 | $864 | Root | 33 | March 22, 2025 | San Francisco, CA | 94103 |
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 | $62 | $750 | Progressive | 30 | No | May 16, 2025 | San Francisco, CA | 94112 |
| At Fault With Injury | $66 | $790 | Progressive | 29 | No | May 24, 2025 | San Francisco, CA | 94103 |
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 | $55 | $660 | Progressive | 47 | June 26, 2025 | San Francisco, CA | 94134 |
| Speeding under 15 | $58 | $693 | National General | 49 | April 17, 2025 | San Francisco, CA | 94110 |
| Speeding under 15 | $66 | $794 | Progressive | 61 | December 13, 2024 | San Francisco, CA | 94124 |
| Speeding under 15 | $67 | $800 | National General | 29 | May 28, 2025 | San Francisco, CA | 94109 |
| Speeding under 15 | $71 | $852 | National General | 28 | June 20, 2025 | San Francisco, CA | 94110 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within 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.
