Car insurance in San Francisco and what you need to know
Getting car insurance quotes in San Francisco from companies is essential if you want to find car insurance in the city. The price of what your friends and acquaintances cover for car insurance in San Francisco will differ depending on many factors - including your age, driving and location history. To help you narrow down your search for car insurance in San Francisco, we've rounded up the car insurance rates for you. We've found the cheapest options for many types of drivers. We've also listed some crucial factors that affect the price of car insurance in the city :
- Percentage increase in San Francisco car insurance costs compared to the national average = 46.76 %
- Percentage increase in the cost of car insurance in San Francisco compared to the California average = 14.59 %
- Percentage decrease in the cost of car insurance in San Francisco compared to the most expensive in California = 21.92 %
Minimum or full coverage ?
Should I get minimum or full coverage car insurance in San Francisco ?
Top insurance, top price
Cheap High Risk Car Insurance in San Francisco
Car & home bundle
Best car and home insurance San Francisco CA
Your driving record is important for car insurance in San Francisco
We've all been part of this story or seen it before. You get car insurance quotes in San Francisco and are looking for the best deal on an insurance program. You receive a fantastic car insurance quote that is affordable and provides the coverage choices you are trying to find. Then the insurance company informs you that the total cost of the insurance premium is greater than the initial quote and comes back to you. What happened? This may be due to insurance points. The amount of points added to a driver's record for an offense varies by location. If your state Department of Motor Vehicles driving record is revealed, your San Francisco car insurance rates could be considerably higher than the prices the insurance provider initially quoted.
Your credit affects the cost of your auto insurance
Apart from your background and the type of car you drive, your credit score can affect the price of your car insurance in San Francisco. Many companies use credit scores to decide the price of your car insurance. Studies indicate that using this particular score helps determine if a person is more likely to have an accident; insurance companies provide insurance. In fact, 85% of San Francisco auto insurance companies now consider your credit score when calculating the price of your auto insurance. Car insurance coverage allows insurers to assess the most acceptable rate for each customer. So, in the long run, your costs can affect car insurance in San Francisco. While your credit history plays a role in the pricing of your car insurance, it's important to focus on the things you can control, like paying your bills on time and keeping an eye on how you apply for credit.
- Changes in average car insurance rates in San Francisco based on credit scores = 68 %
- Maximum changes in San Francisco car insurance rates based on credit scores = 130 %
- 85% of car insurance companies in San Francisco take your credit score into account when calculating the amount of your car insurance.
Full coverage car insurance
Protect yourself, your passengers and others. Find out what driving with full coverage in San Francisco can do for you, knowing that everything and everyone is protected.
Third Party Liability Car Insurance
Meet the insurance requirements for driving in San Francisco with a minimum liability auto insurance plan. It's always better to be protected than not to be protected at all.
High risk car insurance
Finding the best high risk car insurance in San Francisco can be daunting. We help you to dig into it, so you can get the best San Francisco car insurance rate if you have a high risk coverage plan.
Type of car insurance coverage Average annual rate
- Car insurance without comprehensive or collision coverage = $1,750
- Car insurance with comprehensive only $2,150
- Car insurance with comprehensive and collision coverage $2,990
San Francisco car insurance rates by age
The reason for this is simply that age groups are more likely to pay than others due to a likelihood of expensive claims and accidents. Younger drivers are known to behave recklessly and have more traffic incidents. They are therefore more expensive to insure. San Francisco car insurance prices drop for adults as they start to age, as they gain more experience and also have accidents in comparison. This trend continues until drivers reach their 70's, when car insurance prices begin to rise. But even though age is one of the most important factors that play into the cost of car insurance in San Francisco, the effect of age on car insurance rates can vary from state to state. Overall, however, you will see that it's always more expensive to pay for a San Francisco car insurance plan.
Cost of car insurance in San Francisco by gender and marital status
In a number of states, gender is no longer a factor that can be used to calculate auto insurance rates. As for your marital status, it can still influence your San Francisco car insurance rates. In general, married couples are more likely to receive a car insurance rate. Unmarried people are more likely to have an accident than married men and women. You can get a reduced insurance rate for having a partner. But this practice is not widespread. The fact is that married couples are not as likely to have car accidents. There are a number of theories as to why this is the case; some sources claim that married motorists often drive less than their counterparts. Others assume that married motorists have a more stable and less risky lifestyle than single people. Either way, if you've just gotten married or you're married, then you may be eligible for cheaper car insurance in San Francisco.