What Insurance is Cheapest for Drivers Requiring a SR22 in San Francisco?

For high risk drivers, one of the more important criteria that are used to help calculate the cost of insurance is where your car is garaged. More populated areas tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The illustration below lists the highest-priced places in California for drivers requiring a SR22 to buy an auto insurance policy in. San Francisco is ranked at #3 with the annual price of $1,693 for the average insured, which is about $141 each month.

Car insurance prices in San Francisco
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,058
3 San Francisco $1,693
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,644
7 Long Beach $1,626
8 Santa Clarita $1,580
9 Garden Grove $1,554
10 Stockton $1,541
11 Moreno Valley $1,536
12 Fontana $1,535
13 Riverside $1,527
14 Fresno $1,517
15 Santa Ana $1,497
16 Anaheim $1,488
17 Modesto $1,487
18 San Jose $1,423
19 Fremont $1,403
20 Huntington Beach $1,374
21 San Diego $1,368
22 Oxnard $1,358
23 Irvine $1,343
24 Bakersfield $1,340
25 Chula Vista $1,311
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Annual rates are estimated as the specific geographic location can influence insurance rates noticeably.

The make and model of vehicle needing coverage is probably the most important factor when consumers are trying to find low-priced auto insurance for drivers requiring a SR22. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost less to insure than adrenaline junky models.

The data below shows car insurance costs for a number of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Francisco, CA
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $5,230
Hyundai Elantra SE Touring Station Wagon $5,318
Honda CR-V LX 2WD $5,356
Ford Escape XLS 2WD $5,364
Jeep Wrangler Rubicon 4WD 2-Dr $5,650
Toyota Prius $5,781
Toyota Tacoma 2WD $5,856
Ford Edge SE AWD $5,865
Chevrolet Malibu Hybrid $5,915
Dodge Grand Caravan Crew $5,971
Ford Explorer Eddie Bauer AWD $5,976
Chevrolet Impala LTZ $6,183
Toyota Camry XLE $6,193
Ford Fusion S 4-Dr Sedan $6,191
Toyota RAV4 2WD $6,196
Ford F-150 Lariat Crew Cab Platinum 2WD $6,239
GMC Sierra 2500HD SLE Regular Cab 4WD $6,245
Ford Focus S 4-Dr Sedan $6,279
GMC Sierra SLE Regular Cab 2WD $6,346
Dodge Ram 3500 Crew Cab Laramie 2WD $6,413
Honda Odyssey Touring $6,533
Jeep Grand Cherokee Limited 2WD $6,538
Nissan Altima 3.5 SR 4-Dr Sedan $6,533
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Data rating is based on single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices substantially.

Based on these rates, models like the Honda Accord, Hyundai Elantra, and Honda CR-V are likely to be the more affordable vehicles to insure for high risk drivers. Prices will tend to be more expensive anyway because of the fact that there is a higher risk for drivers requiring a SR22, but generally speaking those vehicles will tend to have the lowest insurance prices that you are likely to find.

The example below shows how choosing a deductible can impact insurance premiums when researching cheap insurance for drivers requiring a SR22. The rates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

In the chart above, a 40-year-old driver could lower their car insurance rates by $360 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $544 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could drop their prices up to $896 annually just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How accidents and tickets impact rates

The obvious way to snag the cheapest insurance prices for high risk drivers is to drive safely and avoid accidents and keep your driving record clean. The example below demonstrates how traffic citations and fender-benders can drive up insurance premiums for each age group. The data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of auto insurance in San Francisco per year with no accidents and a clean driving record is $1,912. Get two speeding tickets and the average cost surges to $2,709, an increase of $797 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for drivers requiring a SR22 increases to an average of $6,015. That’s an increase of $4,103, or $342 per month, just for not driving carefully!

How to find cheaper car insurance for drivers requiring a SR22

It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you get lower-cost coverage.

The last tip in the list is certainly critical, as we hit on in this article. Insurance prices can change significantly in a year, so don’t be unwilling to switch to a new company if a cheaper price is available. Brand loyalty is great, but it isn’t a good idea if that devotion results in you overpaying money that could be going to better use. Take a few minutes and compare prices to find cheaper auto insurance for drivers requiring a SR22 in San Francisco.

The agencies below can help you decide which coverages are best, since some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping around for cheaper insurance for drivers requiring a SR22. It can be hard to find the cheapest rates, and getting professional guidance from a licensed agent can provide you satisfaction knowing you have adequate coverage if you have an accident or claim. To find a San Francisco insurance agency close to you, click the button at the bottom of the list.

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