Who Has Affordable Auto Insurance Rates for Active Military in San Francisco?

The vehicle you are insuring is probably the biggest factor when trying to find economical insurance for active military. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The next list presents coverage prices for a selection of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in San Francisco, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $1,493
Dodge Grand Caravan CV $1,541
Chevrolet Malibu LS $1,627
Ford Escape XLS 4WD $1,685
Honda CR-V EX 4WD $1,725
Toyota Tacoma 4WD $1,768
Dodge Ram 3500 Crew Cab ST 2WD $1,805
Ford Focus SES 2-Dr Coupe $1,829
Ford Edge SEL 2WD $1,832
Honda Odyssey LX $1,850
Kia Optima EX $1,861
Nissan Altima 2.5 4-Dr Sedan $1,866
Volkswagen Jetta S 4-Dr Sedan $1,876
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can influence price quotes substantially.

Looking at the numbers, you can expect models like the Hyundai Elantra, Dodge Grand Caravan, Chevrolet Malibu, Ford Escape, and Honda CR-V are most likely going to be some of the cheaper vehicles to insure for military personnel.

For military personnel, one of the largest things that determine the amount you pay for auto insurance is where your residence is in San Francisco. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of lower rates.

The next table ranks the highest-priced places in California for active military to purchase auto insurance in. San Francisco makes the list at #3 with an annual cost of $1,763 for the average policy, which is around $147 per month.

How much does car insurance cost in San Francisco, CA?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,142
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,628
7 Long Beach $1,578
8 Fontana $1,566
9 Santa Clarita $1,548
10 Stockton $1,541
11 Modesto $1,532
12 Garden Grove $1,524
13 Moreno Valley $1,506
14 Riverside $1,497
15 Santa Ana $1,483
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,395
19 Huntington Beach $1,374
20 Fremont $1,361
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Price information shown is estimated as the garaging address in San Francisco can influence coverage rates significantly.

Finding decent, reasonably-priced auto insurance is challenging, and deciding which company offers the best car insurance rates for active military requires more quotes for comparison. Each company uses different criteria for determining rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in San Francisco, CA.

It’s a good idea to be aware that California car insurance rates are impacted by many factors that can increase the price you have to pay. That is why it is so important to compare lots of rates to find the best auto insurance quotes for active military. Car insurance prices are made up of many factors and change frequently, so the cheapest option the last time you checked may now be one of the higher cost companies.

Best Cheap Insurance Rates for Military

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,226
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,325
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,496
10 Allstate $1,497
11 GEICO $1,513
12 The Hartford $1,575
13 Allied $1,603
14 MetLife $1,606
15 Esurance $1,688
16 State Farm $1,699
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $1,946
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Wawanesa has some of the cheapest car insurance rates in San Francisco at around $1,146 a year. USAA, Century National, CSAA, and Nationwide also are some of the best San Francisco, CA auto insurance companies.

In the rate table above, if you currently have coverage with USAA and switched to Wawanesa, you might realize a yearly savings of roughly $9. California drivers with Century National may save as much as $80 a year, and CSAA insureds might lower prices by up to $88 a year.

It’s important to note that these rates are averaged across all types of insureds and vehicles and are not factoring in an exact zip code location for active military. So the insurer that is most affordable for your situation may not even be in the top 24 companies in the list above. That is why you need to get car insurance quotes using your own driver data and vehicle information.

Discounts on San Francisco insurance

Cheaper San Francisco, CA car insurance for military personnelInsurers that provide policies for active military may also give you premium discounts that could reduce prices by as much as 35% or more if you can meet the requirements. Popular car insurance companies and a selection of discounts can be read below.

The diagram below illustrates the comparison of auto insurance rates with and without some available policy discounts. The premiums assume a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, defensive driving course, multiple vehicle, marriage, claim-free, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for active military is 28% or $661.

The example below shows how choosing a deductible can impact insurance rates when searching for cheap insurance for active military. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The data above shows that a 30-year-old driver could lower their car insurance rates by $350 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could lower their rates as much as $750 or more just by using higher deductibles. When increasing deductibles, it will be required to have plenty of money set aside to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

California car insurance companies ranked

Selecting a high-quality auto insurance provider is difficult considering how many companies are available to choose from in San Francisco. The company information in the lists below can help you select which car insurance providers you want to consider putting your business with.

These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from the insurers below and more, follow this link.

Top Car Insurance Companies for Active Military in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Ideas for finding cheaper auto insurance for active military

Here are a few money-saving solutions that can help California drivers find more affordable car insurance.

The last suggestion is particularly necessary, as we noted in the article above. Insurance rates change a lot, so don’t be hesitant to switch companies if a lower price can be found. Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you several hundred dollars every year. Spend a few minutes and compare prices and find cheaper car insurance for active military in San Francisco.

The auto insurance agents in San Francisco shown below are willing to provide answers to your questions and help you determine which coverages and limits you need, as some drivers have questions and prefer to have some professional guidance when shopping for the best coverage for active military. It can be complicated to find the cheapest auto insurance company, and getting professional guidance from a licensed agent can bring satisfaction knowing your policy gives you adequate protection in the event of a claim.

To locate an agency near you, click the button following the list or click here to compare rates now.

April Insurance Agency
1788 19th AveSan Francisco, CA 94122(415) 242-8100

Nationwide Insurance: Anita Daisy Lo Agency
6037 Geary BlvdSan Francisco, CA 94121(415) 592-8388

Dave and Jake Stewart State Farm Insurance
821 Folsom St #101San Francisco, CA 94107(415) 982-9033

State Farm: Michael Woo
2166 Market StSan Francisco, CA 94114(415) 565-6777

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