Menu Close

Here Are The Cheapest Auto Insurance Quotes in San Francisco

Find the Cheapest Car Insurance Quotes in Your Area

The average cost of auto insurance in the San Francisco Bay Area is $2,488 per year. However, depending on numerous details – including your driving record, age and address – annual premiums can vary greatly. Although most of these factors can be largely out of your control, you at least have a say in which insurance company you’d like to do business with. We surveyed auto insurers in the Bay Area and found Metromile to offer the most affordable prices, on average, for a broad variety of driver profiles. If you’d like to see a more detailed breakdown of auto insurance costs in the Bay Area, check out the rest of our guide!

Cheapest Car Insurance in San Francisco Bay Area

We surveyed 44 companies in the San Francisco Bay Area and found that Metromile consistently offered some of the lowest premiums. Other insurance companies on the lower-end of the price spectrum include Everest, Horace and USAA. We recommend drivers explore quotes from at least several insurers before picking one, but don’t let cost be the only deciding factor when comparison shopping. You should also consider other aspects such as the company’s reputation, history of handling claims and whether they offer specialized discounts when paired with other products such as renter’s or homeowner’s insurance plans. Below is a table showing the auto insurance companies included in our survey of the San Francisco Bay Area. 
CompanyAverage Car Insurance Premium
Everest National$1,403
Horace Mann Prop and Cas$1,480
Horace Mann$1,530
Government Employees Ins Co$1,662
Amica Mutual$1,798
Metropolitan Direct$1,816
California Casualty$1,830
CSAA Insurance Exchange$1,932
California Capital$2,046
United Financial Cas (Progressive)$2,091
CSE Safeguard$2,110
Progressive West$2,189
Pacific Property & Casualty$2,212
Traveler’s Commercial$2,246
Financial Indemnity$2,273
21st Century$2,672
Permanent General$2,673
Nations Ins. Co.$2,682
National General/Integon$2,688
State Farm$2,724
Alliance United$2,729
Western General$2,932
Anchor General$3,029
Federal Ins (CHUBB)$3,044
Bankers Standard$3,153
Coast National$3,163
Liberty Mutual$3,865
As you can see, Viking is generally one of the most expensive insurers in the area. However, that doesn’t necessarily mean it should be discounted. Consider other factors, such as a company’s customer service and coverage features. While smaller insurers may be cheaper (they do so to remain competitive), they might not be accessible during weekends or have limited business hours during the day. If you get in an accident or find yourself in need of reliable service, cheaper companies may not offer as good a deal as a more expensive one.
Lastly, we’d like to point out that these prices were obtained when controlling for specific factors, namely, the type of policy and standard vehicle and driver profiles. Some speciality insurers may provide cheaper prices if you have extraneous circumstances, such as traffic violations or past insurance claims. In a future version of this guide, we will include a breakdown of which insurers are the best choice for San Francisco drivers who fit more detailed profiles.

What Are The Cheapest Cars to Insure in San Francisco?

We looked at insurance prices for several popular car models and found that the Toyota Highlander is often quoted the lowest prices in San Francisco. Below you can see the full list of cars we obtained quotes for in the Bay Area along with the annual premium for each.
CarAvg. Annual Insurance Premium
Honda Accord$2,360
Toyota Highlander$2,223
Note that to obtain the quotes above, we had to maintain some assumptions which are detailed in our methodology section below. You should also know that the make of your vehicle can play a far smaller part in the final price of your insurance policy on an individual basis. Your age and driving record are far bigger indicators of what insurers will quote you.

San Francisco Bay Area Car Insurance Requirements

The state of California requires all drivers, including those in the Bay Area, to carry a minimum amount of insurance with them at all times. This is non-negotiable, and you are not permitted to drive without insurance.
San Francisco Minimum Liability Insurance Requirements for Private Passenger Vehicles:
  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
The above requirements are outlined in California Insurance Code §11580.1b
Auto insurance requirements are set to protect both you and other drivers on the road and we strongly encourage most drivers to purchase more than the minimum required coverage. In the event you’re in an at-fault accident, the other driver could sue you for medical or property expenses. If you’re well-insured then any payouts will come from your insurer instead of your pocket, but make sure you follow the proper protocol and report everything to your insurer post-haste.


We conducted this survey of San Francisco auto insurance prices and companies by relying on data submitted to the California State Auto Insurance Department. We selected prices for cities in the Bay Area following the following driver profile:
  • Coverage Type: Standard
  • Insurance For: Male
  • Years Licensed: 9 to 15
  • Mileage: 7,600 – 10,000
  • Driving Record: No Violations
  • Vehicle: Honda Accord