Ray Shakuri

Ray Shakuri

It is illegal to drive in San Francisco without a minimum insurance coverage policy which has an average cost of $842 per year. Car accident in San Francisco is prevalent, with records showing that the city had 3124 accidents in 2017 which led to property damage. This means it is never always better to drive with at least a minimum insurance policy for your car. It is even better to buy a full coverage policy in San Francisco which has an average cost of $2441 per year. 

Despite the high cost of car insurance, you can still find cheap car insurance in San Francisco, you can always get a cheaper premium by shopping around. To help you with this we have compiled a list of some insurance companies with the best cheapest rate you can find in the city. Our list is based on discounts, policy options, customer support, and average rates. 

Cheapest car insurance in San Francisco

The cost of car insurance in San Francisco is slightly above California’s average rate, which costs $2065 annually for full coverage and $733 annually for the minimum coverage. This is also significantly higher than the country’s average cost of $1,674 per year for full coverage and $565 per year for minimum coverage for your car. 

The table below includes some companies with some of the cheapest rates in the city.

San Francisco insurance requirements

If you are a car owner in San Francisco, you must drive with minimum car insurance. Minimum car insurance in the city follow California’s 15/30/5 rule, which includes the following 

  • $15,000 in bodily injury coverage for an individual
  • $30,000 in bodily injury coverage for an accident
  • $5,000 in property damage coverage for an accident

Going for the cheap minimum coverage policy might seem like a good idea. However, it would be best to consider going for full coverage because the minimum coverage doesn’t do enough to offer enough coverage. In cases where you are at fault for an accident that causes property damages worth above $5,000, you will have to make up the rest with money from your purse if you have only minimum insurance. Another example of a case where minimum car insurance won’t be enough is in a situation where you lease your car. You might not have any choice but to get full coverage until you are done paying off the loan

A full-coverage policy in San Francisco includes both comprehensive and Collison coverage.

Car insurance discounts in San Francisco

It is common for car insurance providers in San Francisco to offer several discounts, which helps to reduce cost for policyholders significantly. Below are some discount offered by car insurance companies in the state

Claims-free discount

You can qualify for this discount if you have no record of claims in your history in the last few years. 

Defensive driving course discount

Drivers that have completed an accepted defensive driving program can qualify for this discount.

You can qualify for this discount by simply paying for a yearly premium coverage in one go.

Multi-policy discount

This discount is for people who insure more than one property with the same insurance provider, such as buying insurance for your home and vehicle with the same company.

Some insurance company with the best rates in San Francisco

Progressive – $1,111

Famers – $1790

State farm – $1347

Farmers

Farmers Auto Insurance is among one of the largest in the country. The best thing about Famers Auto Insurance is its outstanding customer service. It also offers several discounts and some of the cheapest coverage rates for your car in San Francisco. And thanks to its many discounts you stand a chance to save a significant amount of money. 

You can even bring down the cost of your premiums when you go for Famer’s home and auto coverage policies. Doing this qualifies you for a discount bundle which brings down the cost to a more affordable level. The amount of money you can save on this discount depends on your state. However, you can save up to 16% on your premiums.

Farmers Auto insurance policies

Famers offers all the usual coverage policies offered by other popular car insurance companies and other optional policies whcih include the following:

New Car Pledge; No-Fault, No Foul; Towing & Roadside Assistance; Extended Customized Equipment Coverage; and Farmers Rideshare.

New Car Pledge

This coverage is for newly purchased cars. This policy covers a new car for you if it is totaled in the first two years of the car’s model or before the car covers 24000 miles. So, for example, a newly bought 2010 Toyota Camry will have coverage until 2012 or until it hits 24,000 miles. Finally, if there are any minor repairs, Farmers will get only original parts from the manufacturers for the mechanics to use within this time period.

No-Fault, No Foul

This is another optional feature. It ensures that your rates stay the same and do not increase as far as you are not a fault for any accident involved. This feature can help you save a significant sum of money. 

Towing & Roadside Assistance

This coverage provides cover for you whenever you need roadside help. With this feature, you can get roadside aid at any time of the day. The following services are included in Towing & Roadside Assistance.

  • Towing to a close-by shop for repairs 
  • Battery jump-starts
  • Locksmith assistance
  • Other minor repairs at the site of your vehicle

Extended Customized Equipment Coverage

This insurance policy covers any damaged or stolen customize parts of your vehicle. This can be valuable coverage for drivers who love to customize their cars. 

Regular Famers coverage policies:

  • Comprehensive Coverage
  • Medical Payments
  • Personal Injury Protection
  • Collision Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Liability Coverage
  • Farmers Rideshare: this is a coverage policy for Uber, and Lyft drivers as well as other apps for ridesharing. It simply extends your insurance policy for when you are driving for personal use and when you are ridesharing.

Farmers’ auto insurance discounts

Farmers offers several discount options that you can use to save money. you only have to qualify for these discounts to benefit from them. 

Summary of Farmers Discount (via moneygeek)

Type of discount description
Safe driver People with clean driving records can qualify for this discount
Good student Students with u[ to 3.0GPA or those on Honor Roll or on the Dean’s List or are in the top 20% of their class can qualify for this discount
Multi Vehicle This discount is for people that insure more than one car with Farmers insurance
Family Households with a driver under 20 years old with more drivers than the number of cars included in the coverage can qualify for this discount.
Multi Policy You qualify for this discount when you bundle your car insurance with other coverage policy
Safety equipment Drivers who have anti-lock, anti-theft and other safety measure can qualify for this discount
Away at school Students at 23 years old or younger going to school located over 100 miles away and don’t drive their cars often can qualify for this discount
Auto pay This is for people who pick Electronic Funds Transfer as their preferred billing method is eligible for the auto pay discount
Paperless Choosing your documents to be delivered electronically gets you a discount
Pay In Full You can save money by paying your premium upfront
Electric car Drivers who drive electric cars as well as cars that uses other source of fuel gets a discount of 5% 

Progressive

Progressive Auto Insurance offers one of the best competitive insurance rates in San Francisco and California as a whole. The company also has excellent ratings in terms of discounts, financial strength, customer services, ease of making a claim, and ease of using the website.

It offers regular auto insurance coverages and other coverage options such as rental car coverage and roadside assistance.

Other coverage policies offered by Progressive include:

  • Gap insurance 

Under this coverage, Progressive pays 25% more than the cost of a car if it’s totaled to cover a lease or loan balance. To buy this coverage, you have to buy both Progressive’s collision and comprehensive policies. 

  • Custom parts and equipment value

This coverage covers damages to any custom accessories you include in your car

  • Pet injury protection

Under this coverage, the veterinarian bills of your pet involved in the car accident is taken care of.’

  • Deductible savings bank

Registering for this program reduces the amount of money deducted for your premium by $50 whenever you go six months without making a claim. You have to have both collision and comprehensive coverage for qualifying.

Progressive has two types of accident forgiveness:

Small accident forgiveness

Progressive won’t increase your premiums if your claims are less than $500.

Large accident forgiveness

This is for Policyholders who have been with Progressive for a minimum of 5 years and have remained accident-free for up to three years. Progressive does not raise the rates of such policyholders even for a large accident claim.

Progressive has a snapshot program that records data on your driving habits, including speed, when you drive, and the amount of time you spend driving. This data is used to determine if your rates go up or down in your next renewal. You also get a discount by signing up for this service. You can enable this data collection by plugging a device into your car or from a mobile app. 

Progressive also offers policyholders several discounts which they can take advantage of and save money. they include:

  • Multi-policy discount
  • Multi-car discount
  • Discount for continuous insurance (even you were initially with another company)
  • Snapshot good driver program
  • Discount for adding a teen driver
  • Distant student discount
  • Good student discount
  • Discount for getting an online quote for car insurance
  • Discount for signing your policy documents online
  • Paperless discount
  • Discount if you pay your six-month policy upfront
  • Discount if you set up automatic payments from a checking account.

Progressive complaints and customer satisfaction

Progressive has good ratings when it comes to customer satisfaction, thanks to its excellent customer service. According to a study by J.D power in 2020, Progressive customer satisfaction was average.

More features of Progressive

Website

The site features an insurance quote tool as well as a portal for policyholders to log in, make claims, monitor their claims, and pay bills.

The site also features other tools such as: 

  • Name Your Price: It allows you to search for a coverage that suits your budget. 
  • And A comparison tool that shows the rates of other insurance companies for the same coverage.

Mobile app

The mobile app is available on both Apple and Android devices. The app enables you to make a claim, track your claims, get policy information, see quotes for recent coverage as well as ask for roadside assistance

Snapshot mobile app

You can get data on your driving habits as well as record information about your drives when you register for Snapshot. It also displays personalize tips you can apply to your driving

Virtual assistance 

You can ask progressive’s voice assistance any question with the aid of a Google home device. You can also get quotes from the company Flo Chatbot on Facebook Messenger.

State Farm

State fan is the Largest private Passenger Insurance company in San Francisco that offers several car coverage policies. They offer some of the cheapest rates in San Francisco. 

Its Travel expenses and rental car coverage policy is among the best in San Francisco and the country. Besides paying for damages to your rental car in collision accidents, it also covers lodging, meals, and transportation if your location is over 50 miles from home. However, you may have to have a comprehensive coverage policy to qualify. 

Other State Farm coverage policy and program include:

Drive Safe & Save: This is a program that calculates your discounts depending on your healthy driving habits, like braking well and smooth acceleration. It also takes the time, speed, and time of the day into consideration. Based on State Farm’s analysis, you can receive a discount of up to 30%.

The Steer Clear Driver Program is a course that drivers can use to refresh their skills online, via the mobile app, or with the help of an agent. Drivers below 25 who complete this course receives a discount if they are not at fault for all accidents they’ve encountered and they have no moving violation in the last 

Rideshare insurance: This is a great policy for Uber or Lyft drivers because it provides coverage for your car when ridesharing and personal driving. 

State Farm’s auto insurance discounts

  • Good driving discount
  • Accident-free discount
  • Discount for taking a driver safety course
  • Student away at school discount
  • Discount if all drivers of the car under the age of 21 go through an approved driver education course
  • Good student discount
  • Passive restraint discount
  • Multiple auto discount
  • Multiple line discount
  • Vehicle safety discount
  • Discount for drivers with an anti-theft device in their car

State Farm complaints and customer satisfaction

Customer satisfaction is one major drawback for State Farm Car insurance. It received slightly higher than average ratings for customer satisfaction from the National Association of Insurance Commissioners and J.D power.

State Farm features

Website

State Farm has an intuitive site that is easy to use, and it’s filled with several useful information. You can easily make a claim, find an agent close by.

Pocket Agent mobile app

With State Farm’s customer app, you can get information on your policy and insurance card, make a claim, track the status of your claim and get a quote. You can even look for a nearby ATM.

There are also mobile applications for State Farm’s two programs which include

  • The Steer Clear program, which is for people under the age of 25
  • The Drive Safe & Save program which is used for monitoring behaviors of drivers

Frequently asked questions

What is the best car insurance company?

The best insurance company for you and your car depends on your needs. Some companies are unique because they offer cheap rates; some are popular for their discount, while others have great customer service. The best way to find out the best one for you is to shop around and compare quotes before making a choice. 

How much does car insurance in San Francisco cost?

The average cost of a full coverage per year in San Francisco is $2,441, while the cost of minimum coverage is $842. Still, the amount you pay depends on several factors: claims records, credit score, age, and the type of coverage you are going.

How much car insurance do I need in San Francisco?

It is a must for every driver in the city to have a minimum. However, it is always a good idea to upgrade your minimum policy to full coverage. You can never know when you will get into an accident that you are at fault for, and that is outside what a minimum coverage can handle.

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