Who Has Cheap San Francisco Auto Insurance Quotes for a School Permit?

Establishing which insurers offer the most affordable insurance rates for a school permit requires a bit more effort in order to find the best policy. Every car insurance company has a unique approach for setting rates, so let’s examine the insurance companies with the overall best prices in San Francisco.

We do need to point out that San Francisco insurance rates are determined by lots of factors which can substantially change the price you pay. Simply turning a year older, buying a different vehicle, or getting a ticket for running a stop sign may cause policy rate changes resulting in some rates now being cheaper than before.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 Century National $1,178
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,366
7 Grange $1,433
8 Progressive $1,496
9 Mercury $1,503
10 Allstate $1,513
11 GEICO $1,575
12 Allied $1,588
13 MetLife $1,638
14 The Hartford $1,639
15 Unitrin $1,699
16 State Farm $1,733
17 Esurance $1,756
18 Travelers $1,806
19 Bristol West $1,849
20 Farmers $2,006
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USAA normally has some of the cheapest car insurance rates in San Francisco at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the lowest-priced San Francisco, CA insurance companies.

In the above example, if you are currently insured with Wawanesa and switched to USAA, you could see yearly savings of about $36. California drivers with Century National could save as much as $57 a year, and CSAA customers might realize rate reductions of up to $101 a year.

To find cheaper insurance rates for your vehicle, click here to get quotes or feel free to get quotes from the companies below.

These prices are averaged across all drivers and vehicles and and are not figured with a specific location for a school permit. So the company that is best suited for you may not even be in the list above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

The make and model of vehicle that needs insurance is one of the largest considerations that determines whether or not you find cheaper car insurance for a school permit. Vehicles with lower acceleration and performance, excellent safety ratings, or a track record of few liability claims will cost less to insure than higher performance models.

The data below ranks coverage premiums for a selection of the more affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Francisco, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 2WD $5,062
Honda CR-V EX 4WD $5,110
Toyota Prius $5,479
Honda Odyssey LX $5,636
Dodge Grand Caravan SE $5,684
Ford Focus SE 4-Dr Sedan $5,955
Honda Civic DX 4-Dr Sedan $5,964
Ford Edge SEL 2WD $5,955
Toyota RAV4 Sport 4WD $6,002
Chevrolet Malibu Hybrid $6,009
Toyota Camry LE $6,002
Volkswagen Jetta LE 4-Dr Sedan $6,008
Toyota Tacoma Double Cab 4WD $6,002
Ford Explorer Eddie Bauer AWD $6,053
Ford F-150 FX4 Super Cab 4WD $6,061
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle location which can raise or lower coverage prices substantially.

Based upon the table data, you can assume that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Honda Odyssey are likely to be a few of the cheaper vehicles to insure for a learners permit. The price for car insurance will be more expensive because of the fact that there is more risk for a school permit, but generally speaking those particular vehicles will tend to have the lowest prices compared to all other vehicles.

For a learners permit, one of the more important things that aid in calculating insurance cost is where you choose to live in San Francisco. More densely populated places tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.

The following table lists the priciest cities in California for a school permit in which to purchase auto insurance. San Francisco shows up at #5 with the annual price of $1,693 for the average policyholder, which is approximately $141 per month.

Car insurance prices in San Francisco
Rank City Annual Rate
1 Glendale $2,142
2 Los Angeles $2,104
3 Oakland $1,755
4 Sacramento $1,720
5 San Francisco $1,693
6 San Bernardino $1,644
7 Stockton $1,603
8 Long Beach $1,562
9 Modesto $1,547
10 Santa Clarita $1,533
11 Fontana $1,519
12 Garden Grove $1,508
13 Moreno Valley $1,491
14 Anaheim $1,488
15 Riverside $1,482
16 Fresno $1,472
17 Santa Ana $1,453
18 Fremont $1,389
19 San Jose $1,381
20 San Diego $1,368
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Price information shown is estimated as the specific area where the vehicle is garaged can raise or lower prices substantially.

The chart below illustrates how your choice of deductibles can impact insurance rates when trying to find cheap insurance for a school permit. The premiums are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $342 a year by increasing from a $100 deductible to a $500 deductible, or save $516 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could lower their rates $1,026 annually by choosing a larger deductible amount.

When choosing a higher deductible, it will now be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Selecting a good quality insurance company can be rather challenging considering how many different companies insure vehicles in San Francisco. The information in the lists below could help you select which car insurance providers to look at when shopping car insurance rates for a school permit.

These ratings only include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California will not be included in the list. If you’d like to compare prices from these and other companies in California, simply click here.

Top 10 Large Auto Insurance Providers in San Francisco Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Large Auto Insurance Providers 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

Impact of speeding/accidents on San Francisco insurance rates

In a perfect world, the ideal way to snag the most affordable insurance rates in San Francisco for a learners permit is to drive safely and avoid accidents and keep your driving record clean. The information below highlights how traffic violations and at-fault fender-benders raise premium costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of car insurance in California per year with no accidents and a clean driving record is $2,596. Add in two speeding tickets and the average cost rises to $3,710, an increase of $1,114 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a school permit goes up to an average of $7,698. That’s an increase of $5,102, or $425 per month, just for not paying attention while driving!

Tips for finding cheaper insurance for a school permit

The list below details some thrifty suggestions that can help you locate cheap car insurance.

That last tip is very vital, as was emphasized in the article above. Prices charged by auto insurers adjust often, so you should be ready to switch carriers if a more affordable rate is found.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you several hundred dollars every year. In just a few minutes you could shop around and find cheaper auto insurance for a school permit in San Francisco.

If you have coverage questions and would like to get help from a professional when shopping for the best coverage for a learners permit, the professional agents shown below can probably help you make a decision which auto insurance policy would work best for you.

To locate a San Francisco insurance agent near you, click the button below the list or click here to compare price quotes now.

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