Who Has Cheap San Francisco Auto Insurance for Hybrid Vehicles?

The words “bargain” and “insurance” really shouldn’t be used in the same sentence, especially when you are searching for the lowest insurance prices for hybrid vehicles. To save some money, let’s familiarize you with some of the factors that influence auto insurance rates, and come up with some ways to take the bite out of the next policy you buy.

For hybrids, one of the largest criteria that are used to help calculate the amount you pay for auto insurance is where you call home. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas more rural areas benefit from lower rates.

The information below sorts the highest-priced places in California for hybrid vehicles in which to buy car insurance. San Francisco shows up at #3 with an annual premium of $1,763 on average, which is around $147 per month.

How much is car insurance in San Francisco?
Rank City Annual Premium
1 Glendale $2,121
2 Los Angeles $2,083
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,720
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,588
9 Santa Clarita $1,580
10 Garden Grove $1,554
11 Modesto $1,547
12 Moreno Valley $1,536
13 Fontana $1,519
14 Riverside $1,497
15 Santa Ana $1,483
16 Fresno $1,457
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,416
20 Fremont $1,389
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Information shown are comparative as the garaging address in San Francisco can affect premiums substantially.

The vehicle needing coverage is one of the largest factors when consumers are trying to find the most economical coverage for hybrid vehicles. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.

The table below showcases insurance rates for the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in San Francisco, CA
Insured Vehicle Estimated Cost for Full Coverage
Jeep Wrangler Sport 4WD 2-Dr $1,487
Ford Escape XLS 2WD $1,576
Toyota Tacoma 4WD $1,612
Dodge Grand Caravan SE $1,622
Honda CR-V EX-L 4WD $1,614
Honda Accord LX 4-Dr Sedan $1,625
Volkswagen Jetta SE 2.5 Station Wagon $1,690
Ford Explorer Eddie Bauer AWD $1,736
Hyundai Elantra Blue 4-Dr Sedan $1,763
Toyota Prius $1,801
Jeep Grand Cherokee SRT-8 4WD $1,828
Nissan Altima Hybrid 4-Dr Sedan $1,838
Ford Fusion Sport 4-Dr Sedan $1,828
Honda Odyssey EX W/Rear Entertainment $1,835
Chevrolet Malibu Hybrid $1,866
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in zip code location which can impact premiums significantly.

Based upon the rates shown, makes and models like the Jeep Wrangler, Ford Escape, Toyota Tacoma, Dodge Grand Caravan, and Honda CR-V are most likely going to be some of the cheaper vehicles to insure for hybrids.

Finding decent, low-cost car insurance is hard enough, and deciding which companies have the lowest-priced car insurance rates for hybrid vehicles calls for even more diligence. Each insurer has a unique formula for determining rates in each state, so let’s take a look at the lowest cost car insurance companies in California.

It’s a good idea to know that California car insurance rates are influenced by many factors that control the price you have to pay. Things like having a birthday, buying a new vehicle, or getting a few speeding tickets may generate price changes that can cause some rates to be more affordable than others.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 CSAA $1,186
3 Century National $1,190
4 Wawanesa $1,192
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,491
8 Progressive $1,512
9 Mercury $1,533
10 Allied $1,541
11 Allstate $1,543
12 GEICO $1,575
13 MetLife $1,590
14 The Hartford $1,623
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,756
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $1,966
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USAA may offer some of the most affordable car insurance rates in San Francisco at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide also qualify as some of the most economical San Francisco, CA car insurance companies.

In the above example, if you are currently insured with Wawanesa and switched to CSAA, you might achieve a yearly savings of approximately $6. Drivers with Nationwide could save as much as $64 a year, and 21st Century insureds might cut rates by $152 a year.

To find the cheapest rates for your vehicle, click here to begin a quote or quote prices from the following companies.

Understand that those rates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for hybrid vehicles. So the car insurance company that has the cheapest price for you may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

What is the best car insurance company in California?

Insuring your vehicle with the highest-rated car insurance provider can be rather challenging considering how many companies provide coverage in California. The rank data shown below can help you pick which auto insurers you want to consider when trying to find the cheapest insurance for hybrid vehicles.

The ratings below are only made up of companies with a national presence, so smaller companies are not taken into consideration for these rankings. To compare prices from many more California auto insurance companies, follow this link.

Top Car Insurance Companies for Hybrid Vehicles 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

Should you buy full coverage?

Buying cheaper car insurance is important to most vehicle owners, and one great way to buy cheap insurance for hybrid vehicles is to only buy liability coverage. The information below compares annual premium costs with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

If the expense is averaged for all age categories, physical damage insurance costs $2,273 per year over and above liability coverage. At some point, about every driver wonders if it’s a good idea to buy full coverage. There is no exact rule to delete comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say your vehicle’s claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 annually to have full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

The illustration below demonstrates how deductibles can affect premium costs when quoting cheap insurance for hybrid vehicles. Data assumes a single female driver, comp and collision included, and no discounts are applied.

The data above shows that a 30-year-old driver could reduce rates by $544 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $816 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could potentially save $1,216 each year by choosing a larger deductible amount.

When using a larger deductible, it is essential to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Ideas for finding more affordable car insurance for hybrid vehicles

Here are some of the better penny-pinching solutions that can help California drivers buy lower-cost coverage.

The last item on the list is particularly valuable, as was discussed in this article. Auto insurance prices can be adjusted at any time, so don’t be tentative to buy from a new company if a better rate can be found.

Brand loyalty is great, but we do not recommend it if that inflexibility results in costing you money that could be used for better things. It only take a few minutes to shop around to find cheaper insurance for hybrid vehicles in San Francisco.