What Auto Insurance is Cheapest for Drivers with Accidents in San Francisco?

The words “bargain” and “auto insurance” probably shouldn’t be used together, especially when trying to find the lowest insurance prices for drivers with accidents. Because it’s so expensive, let’s introduce you to a few of the things that help determine car insurance premiums, and find out if we can help you take the bite out of the next policy you buy.

Determining which companies quote the cheapest insurance rates for drivers with accidents takes a tad more effort than just quoting one company’s rates. Every car insurance company uses a slightly different approach for determining prices, so let’s take a look at the overall cheapest insurance companies in San Francisco, CA.

It’s a good idea to be aware that California insurance rates are based on many factors that may substantially change the price of your policy. Turning one year older, filing a claim, or getting into an accident can produce rate changes that can cause some rates to be more affordable than competitors.

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USAA may offer some of the most affordable car insurance rates in San Francisco at around $1,155 a year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the more affordable San Francisco, CA insurance companies.

In this example, if you currently have a policy with Wawanesa and switched to USAA, you might achieve an annual savings of around $37. Customers with CSAA could save as much as $43 a year, and Nationwide customers might cut rates by $58 a year.

Remember that these premium estimates are averaged for all types of insureds and vehicles and and are not figured with an exact location for drivers with accidents. So the car insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That is why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The car, truck, or SUV you are buying coverage for is probably the most important factor when comparison shopping for economical coverage for drivers with accidents. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The next list showcases car insurance premiums for a number of the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in San Francisco, CA
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,991
Toyota Prius $3,247
Ford Escape XLS 4WD $3,315
Honda Accord LX 4-Dr Sedan $3,321
Honda CR-V LX 4WD $3,315
Ford Fusion S 4-Dr Sedan $3,546
Ford Explorer Eddie Bauer 4WD $3,581
Jeep Wrangler Sahara 4WD 2-Dr $3,723
Toyota Corolla S $3,728
Ford Focus SE 4-Dr Sedan $3,751
Nissan Altima Hybrid 4-Dr Sedan $3,763
Volkswagen Jetta SE 4-Dr Sedan $3,773
Toyota RAV4 2WD $3,794
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Premium data assumes single female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific garaging location which can raise or lower insurance rates greatly.

Based upon the rates shown, you can presume that makes and models like the Hyundai Elantra, Toyota Prius, and Ford Escape are the most affordable vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will be more costly just due to the fact that there is more liability exposure for drivers with accidents, but overall those specific models will tend to have the least expensive rates compared to other vehicles.

Safe drivers pay cheaper rates

The ideal way to maintain good insurance prices in California for drivers with at-fault accidents is to be an attentive driver and not have accidents or get tickets. The information below shows how speeding tickets and at-fault claims can raise premium costs for each age group. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,075. Add in two speeding tickets and the average cost hikes up to $2,743, an increase of $668 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for drivers with accidents increases to an average of $5,349. That’s an increase of $3,273, or $273 per month, just for not being attentive to the road!

Finding a highly-rated insurance company can be challenging considering how many companies are available to choose from in San Francisco. The ranking information shown next may help you choose which providers to look at shopping prices with.

The rankings below include the largest auto insurers in America, so companies that only write business in California or surrounding areas are not factored into these rankings. To view rates from the insurers below and more, click this link.

Top 10 Large Auto Insurance Companies in San Francisco Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Ideas for buying budget-friendly auto insurance for drivers with accidents

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help San Francisco drivers quote low-cost coverage.

That last idea is remarkably necessary, as was pointed out in the article above. Rates fluctuate constantly, so drivers shouldn’t hesitate to switch to a new company if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if it’s costing you thousands of dollars over the life of your policy. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for drivers with accidents in San Francisco.

The insurance agencies listed below are willing to help you determine which insurance coverage will be best for you, as lots of people like to get some professional advice when trying to find lower insurance rates for drivers with accidents. It can be time-consuming to find the best rates on your own, and a licensed agent can add satisfaction knowing your policy gives you suitable coverage if you ever need to use it.

To find a San Francisco insurance agent closest to you, click the link at the bottom.

Allstate Insurance: Myrna De Vera
2121 19th Ave Ste 102San Francisco, CA 94116(415) 566-9400

Robert E. Kennedy Insurance Agency
Flood Building, 870 Market St #740San Francisco, CA 94102(415) 951-0738

Kajal Pashmi – State Farm Insurance Agent
3138 Geary BlvdSan Francisco, CA 94118(415) 742-4459

Wilson Chan – State Farm Insurance Agent
25 Division St #200San Francisco, CA 94103(415) 593-8802

Cliff Young – State Farm Insurance Agent
1636 Irving St aSan Francisco, CA 94122(415) 665-5118

View map of San Francisco, CA insurance agents