Car Insurance in San Francisco

Car Insurance Quotes for San Francisco Drivers

Having the right auto insurance coverage in San Francisco is important. While car insurance is often required no matter where you live, San Francisco's steep hills, one-way streets, scarce (and costly) parking, assertive bikers, and lots of distracted tourists in cars and on foot make it one of the trickiest cities to drive a vehicle in.

While some San Francisco residents can get around parts of this compact city without a vehicle, most people in the Bay Area need a car and an auto insurance policy to go with it. Count on GEICO to provide you with convenient auto insurance in San Francisco, so you'll be protected in the event of an accident.

We have competitive auto insurance rates that can include added features like the award-winning GEICO Mobile app, 24/7 emergency roadside assistance, and a variety of car insurance discounts. It's easy to get a San Francisco car insurance quote with GEICO, so start your free quote online today.

California Car Insurance Coverage Requirements

Drivers across San Francisco and the entire Bay Area need to make sure they have a car insurance policy that meets the minimum coverage requirements for the state of California. California's minimum auto insurance coverages include:

• Bodily injury liability: $15,000 per person/ $30,000 per accident
• Property damage liability: $5,000 per accident
• Uninsured motorist bodily injury*: $15,000 per person/ $30,000 per accident
• Uninsured motorist property damage*: $3,500 per accident

While these are the minimum car insurance coverage requirements for San Francisco and the state of California, many drivers may choose to carry higher limits of liability and have additional coverages to protect their vehicles.

Additional San Francisco Auto Insurance Coverage to Consider

Collision Coverage

If you are involved in an accident and you hit another vehicle or object or if you got hit by another vehicle, collision coverage steps in to cover the repair costs after your deductible, regardless of fault. It does not cover damage caused by theft, vandalism, floods, fire, or hitting an animal.

Comprehensive Coverage

Comprehensive coverage is an optional coverage you can carry to help protect your vehicle from damage not caused by collision, such as theft, vandalism, floods, fire, or hitting an animal.

Auto Insurance Coverage in San Francisco, CA - Getting Started

There are a few essential steps to getting started with auto insurance in San Francisco, CA. First, acquaint yourself with California's minimum insurance requirements. Then, evaluate your unique coverage needs, considering factors like your driving habits, vehicle value, and budget. Once you clearly understand your needs, get a quote from GEICO.

Before finalizing your decision, carefully review the terms and conditions of your chosen policy to ensure it provides adequate protection on the roads of San Francisco.

Local Factors Impacting San Francisco Auto Insurance Rates

Several local factors such as population density, traffic congestion, accident frequency, theft occurrences, and distinctive weather patterns, significantly influence auto insurance rates in San Francisco. The cost of damage repairs and replacement vehicles can also greatly impact auto insurance premiums. All of these factors impact your driving habits, safety on the road, and probability of filing claims. Understanding these factors is crucial for making informed coverage decisions.

Is Car Insurance in San Francisco Expensive?

Car insurance in San Francisco tends to be more expensive than in other areas due to several factors specific to the city, such as the high population density and heavy traffic congestion that increases the likelihood of accidents. Additionally, San Francisco has a relatively high rate of vehicle theft and vandalism, which can further impact insurance costs. The city's elevated cost of living, including car repair and medical expenses, also influences insurance rates. The prevalence of luxury vehicles and many uninsured or underinsured motorists can contribute to the overall increase in insurance premiums as well. Overall, these factors result in the generally higher cost of car insurance in San Francisco compared to other areas.

How to Save Money on Auto Insurance in San Francisco

To save money on auto insurance in San Francisco, make the most of available discounts like those for safe driving histories, bundling policies, or equipping your vehicle with safety features. Maintaining a clean driving record by steering clear of accidents and traffic infractions can also qualify you for reduced premiums. You should also regularly reassess your coverage needs and adjust your policy accordingly to avoid paying for coverage you no longer need.

Lastly, you may consider increasing your collision and comprehensive deductibles. Option for a higher deductible can lower your premium, but make sure you are comfortable with the deductible you choose should a loss occur.

San Francisco Destinations

In San Francisco, you'll find well-known attractions such as Fisherman's Wharf, Alcatraz, and Golden Gate Park. You can also explore lesser-known corners of the city to discover outstanding restaurants, galleries, and shopping. San Francisco and the Bay Area offers many enjoyable experiences for tourists and residents alike.

Bay Area Freeways

Numerous freeways serve the Bay Area, including U.S. Highway 101, which spans the Golden Gate Bridge north of the city into Marin County and travels south through San Jose. Interstate Highway 80 crosses the Bay Bridge east into Oakland and onward to Sacramento. There are several "offshoots" of Highway 80 that cover different parts of the Bay Area. Interstate 280 runs south from the city, parallel to and west of 101. Interstates 880 and 680 travel north-south along the east side of the San Francisco Bay.

Driving around San Francisco

Downtown San Francisco streets are arranged in a grid pattern. Market Street, the main downtown thoroughfare, cuts through the grid in a diagonal direction. It is illegal to make a left turn at most Market Street intersections. The streets of San Francisco are numbered by the hundreds per block, but if you don't have a GPS, it is important to know the cross street when searching for an address. San Francisco also has numbered streets and numbered avenues in different areas of the city.

If you prefer not to drive in San Francisco, there are good public transportation options. The Muni (short for San Francisco Municipal Transportation Agency) is a system of streetcars, buses, and the famous San Francisco cable cars that can take you to downtown attractions and outlying neighborhoods. The BART (Bay Area Rapid Transit) connects San Francisco with East Bay cities such as Berkeley, Oakland, and Walnut Creek. The BART also serves both the San Francisco (SFO) and Oakland (OAK) airports.

More about California Car Insurance

Need to find out more about state required coverage levels or teen driving laws in California? Visit our California car insurance page for more information to help you make an informed decision about your auto insurance.

Contact Us

We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.

Learn More

• California Auto Insurance
• CA Defensive Driving Discount
• San Diego Auto Insurance
• Los Angeles Auto Insurance
• California Renters Insurance