What Insurance is Cheapest for Drivers with Good Credit in San Francisco?

You’ve seen the captivating ads from companies like Farmers and Progressive that say if you switch you’ll get the cheapest price. So drivers just need to choose the one with the best commercial, right?

Unfortunately, it’s just not that easy, as there are many unknown elements such as what level of deductibles you need, the amount of liability insurance you need, where you live in San Francisco, and whether you are female or male. This article goes into detail about the best ways to save on auto insurance and will hopefully give you some help in finding cheaper rates.

Finding low-cost car insurance is not the easiest thing to do, and determining which companies have the most affordable auto insurance rates for drivers with good credit takes even more perseverance. Every car insurance company has a unique approach to establish rates, so first let’s look at the rankings for the auto insurance companies with the most affordable rates in California.

We do need to point out that San Francisco auto insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. This price variation is why it is critical to compare many different companies to get affordable car insurance quotes for drivers with good credit. Auto insurance prices are determined by many things and can decrease or increase without notice, so the most economical company when you last compared rates may now be priced much higher than other options.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 Century National $1,214
4 CSAA $1,222
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,477
8 Mercury $1,503
9 Progressive $1,558
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,603
13 The Hartford $1,623
14 MetLife $1,638
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,966
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USAA normally has some of the lowest car insurance rates in San Francisco at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also are some of the more affordable San Francisco, CA car insurance companies.

In the above example, if you buy coverage from Century National and switched to USAA, you might realize yearly savings of approximately $93. Customers with CSAA could save as much as $101 a year, and Nationwide insureds might lower prices by $129 a year.

To find out how much you can save, click here to begin a quote or feel free to get quotes from the companies below.

These estimates are averaged for all insureds and vehicles and and are not figured with a specific location for drivers with good credit. So the auto insurance company that is best suited for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

For financially responsible drivers, one of the largest factors that determine car insurance rates is your zip code in San Francisco. Cities with larger populations are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.

The table below rates the highest-priced places in California for drivers with good credit to buy auto insurance in. San Francisco makes the list at #3 with an annual rate of $1,745 for car insurance, which is approximately $145 each month.

How much does auto insurance cost in San Francisco?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,142
3 San Francisco $1,745
4 Sacramento $1,720
5 Oakland $1,687
6 Long Beach $1,626
7 Stockton $1,588
8 San Bernardino $1,580
9 Garden Grove $1,570
10 Moreno Valley $1,551
11 Santa Clarita $1,548
12 Modesto $1,547
13 Fontana $1,535
14 Riverside $1,527
15 Fresno $1,472
16 Santa Ana $1,439
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,360
20 Bakersfield $1,353
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Information shown are comparative as the specific geographic location can alter coverage prices substantially.

Get discount San Francisco insurance

Save on auto insurance for financially responsible drivers in San FranciscoInsurance companies that provide coverage for drivers with good credit may also offer rate discounts that can lower rates by as much as 35% or more if you qualify for them. A list of companies and the discounts they provide can be read below.

The diagram below shows the difference between insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, multiple policy, claim-free, passive restraint, marriage, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for drivers with good credit is 28% or $695.

Cautious drivers save money

The obvious way to earn cheap auto insurance rates in California for financially responsible drivers is to be a careful driver and maintain a clean driving record. The chart below illustrates how violations and accident claims increase insurance rates for different insured age categories. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

The data charted above shows the average cost of car insurance in San Francisco per year with a clean driving record and no accidents is $3,093. Add in one speeding ticket and the average cost increases to $3,488, an increase of $395 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for drivers with good credit increases to an average of $4,604. That’s an increase of $1,511, or $126 per month, just for being a little careless behind the wheel!

Finding a good quality car insurance company is hard considering how many companies are available to choose from in San Francisco. The rank data below can help you choose which coverage providers to look at buying from.

These rankings are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not included in the list. To check prices from many more California auto insurance companies, simply click here.

Top 10 Major Car Insurance Companies Overall in San Francisco

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The agents shown below are willing to answer your questions and help you decide which insurance coverage will be best for you, as some people have coverage questions and would like to get some guidance when shopping for the best coverage for financially responsible drivers. It can be complicated to find the best coverage yourself, and getting professional guidance from a licensed agent can bring satisfaction knowing your coverage gives you decent coverage if you have a claim. To find an agent close to where you live, click the button below the list or click here to compare price quotes now.

View map of San Francisco, CA insurance agents

How to find the cheapest auto insurance for drivers with good credit

Here are some of the recommended thrifty suggestions that can help drivers get lower-cost car insurance.

The last suggestion is particularly necessary, as we discussed in this write-up. Car insurance rates vary considerably, so drivers shouldn’t be resistant to buy from a new company if a more affordable rate is found. Having a favorite company is fine, but we do not recommend it if that faithfulness ends up costing you potentially thousands of dollars a year. If you have a few minutes, compare rates and find cheaper car insurance for drivers with good credit in San Francisco.