Cheap Car Insurance in San Francisco

Written by Xuyun Zeng and 1 other
Updated Jul 28, 2025
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Cheap Car Insurance in San Francisco

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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.
SHOP FOR AFFORDABLE CAR INSURANCE WITH JERRY

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
$46 $554 Progressive 54 December 5, 2024 San Francisco, CA 94133
$47 $564 Progressive 51 November 28, 2024 San Francisco, CA 94102
$51 $616 National General 37 November 4, 2024 San Francisco, CA 94110
$51 $616 National General 45 September 13, 2024 San Francisco, CA 94110
$52 $623 National General 55 October 25, 2024 San Francisco, CA 94109
$52 $627 National General 32 October 24, 2024 San Francisco, CA 94123
$55 $661 Aspire Advantage 40 October 3, 2024 San Francisco, CA 94122
$55 $664 National General 40 November 1, 2024 San Francisco, CA 94134
$56 $671 National General 38 November 16, 2024 San Francisco, CA 94134
$56 $672 National General 33 September 25, 2024 San Francisco, CA 94124
Last Updated Jul 29, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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
$84 $1,012 Progressive 35 April 30, 2025 San Francisco, CA 94107
$108 $1,292 Mercury 33 June 2, 2025 San Francisco, CA 94115
$113 $1,360 Mercury 76 July 18, 2025 San Francisco, CA 94121
$127 $1,528 Mercury 56 June 19, 2025 San Francisco, CA 94121
$129 $1,554 Mercury 35 March 22, 2025 San Francisco, CA 94132
$132 $1,584 ROOT 34 June 11, 2025 San Francisco, CA 94117
$134 $1,604 Progressive 30 May 16, 2025 San Francisco, CA 94112
$137 $1,650 Progressive 43 June 19, 2025 San Francisco, CA 94114
$138 $1,652 Progressive 53 July 18, 2025 San Francisco, CA 94121
$141 $1,694 Progressive 34 June 7, 2025 San Francisco, CA 94109
Last Updated Jul 29, 2025

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:
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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 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
Last Updated Jul 29, 2025

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
$42 $504 Progressive 34 No April 11, 2025 San Francisco, CA 94123
$44 $526 Mercury 42 No July 19, 2025 San Francisco, CA 94114
$45 $544 Progressive 35 No July 18, 2025 San Francisco, CA 94115
$46 $554 Progressive 54 No December 5, 2024 San Francisco, CA 94133
Last Updated Jul 24, 2025

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
$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
$53 $642 Progressive 67 No December 14, 2024 San Francisco, CA 94103
$54 $654 Progressive 60 No May 30, 2025 San Francisco, CA 94122
$62 $741 National General 59 No March 3, 2025 San Francisco, CA 94116
Last Updated Jul 24, 2025

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
$45 $544 Progressive 35 July 18, 2025 No San Francisco, CA 94115
$46 $554 Progressive 54 December 5, 2024 No San Francisco, CA 94133
$47 $564 Progressive 51 November 28, 2024 No San Francisco, CA 94102
$49 $586 Progressive 29 May 29, 2025 No San Francisco, CA 94110
Last Updated Jul 24, 2025

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
Last Updated Jul 29, 2025

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
Last Updated Jul 24, 2025

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 $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
Speeding under 15 $88 $1,056 Progressive 29 May 28, 2025 San Francisco, CA 94109
Speeding under 15 $95 $1,136 Aspire Advantage 30 February 5, 2025 San Francisco, CA 94109
Last Updated Jul, 2025

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.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.