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.
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 of all persons (meaning per accident).
- $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
|
|---|---|---|---|---|---|---|
| $56 | $677 | National General | 51 | November 28, 2024 | San Francisco, CA | 94102 |
| $57 | $680 | National General | 50 | December 14, 2024 | San Francisco, CA | 94121 |
| $57 | $684 | Aspire Advantage | 41 | January 5, 2024 | San Francisco, CA | 94118 |
| $57 | $690 | Aspire Advantage | 33 | November 17, 2023 | San Francisco, CA | 94121 |
| $60 | $717 | National General | 28 | September 26, 2024 | San Francisco, CA | 94109 |
| $64 | $774 | National General | 28 | September 4, 2024 | San Francisco, CA | 94117 |
| $68 | $818 | Aspire Advantage | 39 | April 20, 2024 | San Francisco, CA | 94110 |
| $68 | $822 | National General | 39 | May 29, 2024 | San Francisco, CA | 94103 |
| $68 | $822 | Aspire Advantage | 35 | February 12, 2024 | San Francisco, CA | 94109 |
| $68 | $822 | National General | 45 | September 12, 2024 | San Francisco, CA | 94110 |
If you have a loan or lease on your vehicle, the lender will require
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 coverage provides protection against damage caused by non-collision events such as weather-related incidents, animal interference and theft.
Full coverage also includes collision coverage, 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
|
|---|---|---|---|---|---|---|
| $106 | $1,274 | Mercury | 25 | February 24, 2025 | San Francisco, CA | 94117 |
| $108 | $1,294 | Progressive | 23 | March 31, 2025 | San Francisco, CA | 94114 |
| $117 | $1,404 | Progressive | 33 | April 22, 2025 | San Francisco, CA | 94124 |
| $121 | $1,448 | Progressive | 36 | May 3, 2025 | San Francisco, CA | 94111 |
| $122 | $1,466 | Progressive | 39 | April 23, 2025 | San Francisco, CA | 94124 |
| $123 | $1,478 | Bristol West | 43 | December 28, 2023 | San Francisco, CA | 94134 |
| $124 | $1,488 | Progressive | 50 | April 18, 2025 | San Francisco, CA | 94132 |
| $144 | $1,724 | Progressive | 33 | April 16, 2025 | San Francisco, CA | 94112 |
| $145 | $1,738 | Progressive | 28 | December 2, 2024 | San Francisco, CA | 94132 |
| $146 | $1,748 | National General | 44 | December 22, 2024 | San Francisco, CA | 94122 |
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
|
|---|---|---|---|---|---|---|---|
| $60 | $717 | National General | 28 | No | September 26, 2024 | San Francisco, CA | 94109 |
| $64 | $774 | National General | 28 | No | September 4, 2024 | San Francisco, CA | 94117 |
| $70 | $842 | National General | 29 | No | October 28, 2024 | San Francisco, CA | 94117 |
| $70 | $846 | National General | 27 | No | November 12, 2024 | San Francisco, CA | 94122 |
| $73 | $881 | National General | 28 | No | October 9, 2024 | San Francisco, CA | 94131 |
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 |
| $41 | $496 | Progressive | 41 | No | February 17, 2025 | San Francisco, CA | 94107 |
| $42 | $506 | Progressive | 43 | No | April 21, 2025 | San Francisco, CA | 94124 |
| $43 | $520 | Progressive | 50 | No | March 31, 2025 | San Francisco, CA | 94112 |
| $50 | $598 | Progressive | 45 | No | March 23, 2025 | San Francisco, CA | 94116 |
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
|
|---|---|---|---|---|---|---|---|
| $53 | $642 | Progressive | 67 | No | December 14, 2024 | San Francisco, CA | 94103 |
| $56 | $678 | Progressive | 56 | No | January 31, 2025 | San Francisco, CA | 94121 |
| $57 | $686 | National General | 55 | No | January 8, 2025 | San Francisco, CA | 94124 |
| $62 | $741 | National General | 59 | No | March 3, 2025 | San Francisco, CA | 94116 |
| $67 | $804 | Progressive | 65 | No | December 11, 2024 | San Francisco, CA | 94104 |
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 |
| $43 | $520 | Progressive | 50 | March 31, 2025 | No | San Francisco, CA | 94112 |
| $50 | $598 | Progressive | 45 | March 23, 2025 | No | San Francisco, CA | 94116 |
| $53 | $642 | Progressive | 67 | December 14, 2024 | No | San Francisco, CA | 94103 |
| $56 | $677 | National General | 51 | November 28, 2024 | No | San Francisco, CA | 94102 |
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 | $57 | $686 | National General | 55 | January 8, 2025 | San Francisco, CA | 94124 |
| <550 | $61 | $736 | Progressive | 31 | March 31, 2025 | San Francisco, CA | 94103 |
| <550 | $77 | $927 | Aspire Advantage | 36 | August 30, 2024 | San Francisco, CA | 94134 |
| <550 | $83 | $1,000 | Aspire Advantage | 26 | March 17, 2025 | San Francisco, CA | 94112 |
| <550 | $84 | $1,011 | National General | 45 | September 13, 2024 | San Francisco, CA | 94124 |
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 | $68 | $822 | National General | 45 | No | September 12, 2024 | San Francisco, CA | 94110 |
| At Fault With No Injury | $73 | $880 | Aspire Advantage | 51 | No | March 28, 2024 | San Francisco, CA | 94134 |
| At Fault With Injury | $75 | $902 | Progressive | 36 | No | March 20, 2025 | San Francisco, CA | 94131 |
| At Fault With No Injury | $85 | $1,024 | Aspire Advantage | 35 | No | December 18, 2023 | San Francisco, CA | 94124 |
| At Fault With No Injury | $89 | $1,066 | Aspire Advantage | 33 | No | November 9, 2023 | San Francisco, CA | 94115 |
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 | $73 | $880 | Aspire Advantage | 51 | March 28, 2024 | San Francisco, CA | 94134 |
| Speeding under 15 | $74 | $892 | Aspire Advantage | 58 | May 26, 2024 | San Francisco, CA | 94132 |
| Speeding under 15 | $76 | $912 | National General | 42 | July 3, 2024 | San Francisco, CA | 94115 |
| Speeding under 15 | $83 | $1,000 | Progressive | 51 | September 12, 2024 | San Francisco, CA | 94110 |
| Speeding under 15 | $84 | $1,010 | National General | 38 | August 31, 2024 | San Francisco, CA | 94103 |
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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
