In an ideal world, we could simply tell you the one company that has the most affordable insurance in California. It's just not that easy, however, as there are many unknown elements such as the safety ratings of your vehicle, when you were born, and if you have a tendency to get into accidents. This article delves into the different ways you can keep rates low and educate you enough to have a good beginning to your search for cheaper coverage.
Finding cost effective insurance is not the easiest thing to accomplish, and finding out which companies quote the lowest-priced car insurance rates for uninsured drivers requires even more diligence. Each auto insurance company has a different formula to set premium rates, so first let's look at the rankings for the car insurance companies that tend to be cheaper in San Francisco.
It's a good idea to know that California car insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. This price variation is why drivers need to do a thorough rate comparison when trying to find the best insurance rates for uninsured drivers. Insurance rates consist of many factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be quite expensive.
Lowest Insurance Price Quotes in California
|Rank||Company||Cost Per Year|
|Compare Rates Now Go|
USAA offers some of the lowest car insurance rates in San Francisco at around $1,121 a year. Century National, CSAA, Wawanesa, and Nationwide also are some of the cheaper San Francisco, CA car insurance companies.
As shown in the table above, if you currently have a policy with CSAA and switched to USAA, you may realize yearly savings of roughly $65. Customers with Wawanesa may save as much as $71 a year, and Nationwide insureds might reduce prices by as much as $129 a year.
To discover how much you can save, click here or quote prices from the following companies.
Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and and are not figured with a specific location for uninsured drivers. So the insurer that has the lowest price for you may not even be in the top 24 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
One of the more important factors that determine the price you pay for insurance is where you call home. Cities with larger populations or higher claim trends tend to pay more, whereas less populated areas have the benefit of cheaper auto insurance prices.
The next table sorts the most costly cities in California for uninsured drivers in which to purchase auto insurance. San Francisco is ranked at #4 costing $1,745 for coverage, which is about $145 monthly.
|Start a Quote Go|
Rates are comparative as specific location information can impact premium rates substantially.
The vehicle needing coverage is one of the primary factors that determines whether or not you can buy affordable auto insurance for uninsured drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than more modest models.
The list below ranks car insurance rates for the more affordable automobiles to insure in California.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,324|
|Ford Escape Limited 4WD||$1,439|
|Toyota Tacoma 4WD||$1,485|
|Honda Accord LX-P 4-Dr Sedan||$1,498|
|Ford F-150 XLT Super Cab 4WD||$1,516|
|Ford Edge SEL AWD||$1,542|
|Honda Odyssey EX-L W/Rear Entertainment||$1,657|
|Toyota Camry XLE||$1,666|
|Chevrolet Impala LS||$1,688|
|Jeep Grand Cherokee Limited 4WD||$1,698|
|Dodge Grand Caravan CV||$1,688|
|GMC Sierra SLE Crew Cab 2WD||$1,693|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,714|
|Ford Explorer Eddie Bauer 4WD||$1,758|
|Chevrolet Malibu LT||$1,763|
|Chevrolet Silverado LS Extended Cab 4WD||$1,771|
|Start a Quote Go|
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle location which can raise or lower prices greatly.
Based upon these rates, we can assume that makes and models like the Honda CR-V, Ford Escape, Toyota Tacoma, and Honda Accord are most likely to be the most budget-friendly vehicles to insure for drivers with no prior coverage.
Get discount San Francisco insurance
Car insurance companies that offer quotes for uninsured drivers may have price discounts that may potentially lower prices by as much as 40% or more if you qualify. A few of the larger companies and some of the discounts can be found below.
- Mercury Insurance may include discounts for ease of repair, accident-free, anti-theft, type of vehicle, and good driver.
- Farmers Insurance has savings for pay in full, bundle discounts, teen driver, good student, multi-car, and distant student.
- Farm Bureau offers discounts including driver training, safe driver, multi-policy, renewal discount, and multi-vehicle.
- State Farm offers premium reductions for good student, accident-free, Steer Clear safe driver discount, safe vehicle, defensive driving training, and good driver.
- Allstate may have discounts that include 55 and retired, teenSMART discount, good payer, multi-policy, and premier plus.
- GEICO discounts include daytime running lights, membership and employees, multi-policy, multi-vehicle, air bags, and emergency military deployment.
The chart below shows the comparison of insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, defensive driving course, claim-free, vehicle safety, passive restraint, and safe-driver discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for uninsured drivers is 28% or $661.
The illustration below illustrates how your choice of deductibles can affect insurance rates when searching for cheap insurance for uninsured drivers. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could cut expenses by $360 a year by increasing from a $100 deductible to a $500 deductible, or save $544 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could shave up to $896 or even more just by using higher deductibles.
When raising deductibles, it's a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Careless driving habits raise San Francisco car insurance rates
The recommended way to enjoy cheap car insurance prices in California for drivers with no prior coverage is to drive carefully and avoid getting tickets or having accidents. The chart below highlights how speeding tickets and fender-benders influence yearly insurance costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,684. Receive two speeding tickets and the average cost surges to $3,713, an increase of $1,029 each year. Now throw in one accident along with the two speeding tickets and the annual cost of car insurance for uninsured drivers increases to an average of $4,749. That's an increase of $2,065, or $172 per month, just for being a less-than-perfect driver!
How to find cheaper insurance for uninsured drivers
The list below details a few thrifty solutions that can help drivers find lower-cost coverage.
- Good credit can save money
- Avoid getting tickets or violations
- Higher deductibles mean lower rates
- Avoid accidents
- Buy vehicles with five-star safety ratings
- Do not insure for full coverage
- Comparison shop at least once a year
The last tip is extraordinarily necessary, as we discussed in this write-up. Car insurance rates in San Francisco adjust frequently, so you should be ready to buy a policy from a new company if you can save money. Many drivers have brand loyalty and that's fine, but it's not a great idea if that dedication is costing thousands of dollars over several years. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for uninsured drivers.
The insurance agencies below can help you determine which policy fits your needs best, as some people prefer to get some help when shopping around for cheaper insurance for uninsured drivers. It can be hard to find the cheapest auto insurance company, so getting professional guidance from a licensed agent can give peace of mind knowing you have decent coverage if you have a claim. To find an auto insurance agency near you, click the button link following the list.
Fillia Fransisca - State Farm Insurance Agent
2315 Noriega St - San Francisco, CA 94122 - (415) 661-3726
State Farm: Michael Woo
2166 Market St - San Francisco, CA 94114 - (415) 565-6777
Al Zeidler Insurance Agency
1714 Stockton St #417 - San Francisco, CA 94133 - (415) 753-1936
Rebekah Shapiro - State Farm Insurance Agent
1736 Stockton St #9 - San Francisco, CA 94133 - (415) 525-3344