The vehicle you are seeking coverage for is one of the largest considerations in finding cheaper car insurance for government employees. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.
The list below estimates coverage premiums for a handful of the more affordable automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,267 |
| Ford Escape Limited 4WD | $1,377 |
| Ford F-150 STX Super Cab 2WD | $1,395 |
| Honda Odyssey EX | $1,474 |
| GMC Sierra SLE Crew Cab 2WD | $1,505 |
| Chevrolet Malibu Hybrid | $1,513 |
| Chevrolet Equinox LS 2WD | $1,505 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,556 |
| Honda CR-V LX 4WD | $1,559 |
| Toyota Corolla S | $1,582 |
| Toyota Camry XLE | $1,591 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,610 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,638 |
| Dodge Ram Quad Cab SLT 4WD | $1,643 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,669 |
| Ford Focus SE 4-Dr Sedan | $1,689 |
| Ford Edge SEL 2WD | $1,694 |
| Toyota Camry Hybrid | $1,720 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,730 |
| Chevrolet Impala LT | $1,723 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in vehicle location which can raise or lower rates greatly.
Based upon these rates, you can conclude that vehicles like the Honda Accord, Ford Escape, and Ford F-150 are most likely to be the most economical vehicles to insure for state and federal workers.
Trying to find budget car insurance is not the easiest thing to do, and determining which company offers the cheapest auto insurance rates for government employees will involve even more perseverance. Each company uses a different method to establish rates, so to begin we’ll rank the auto insurance companies with the most affordable rates in California.
Best Car Insurance Prices in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,190 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,533 |
| 9 | Allied | $1,541 |
| 10 | Allstate | $1,543 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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Wawanesa may offer some of the best car insurance rates in San Francisco at around $1,146 annually. USAA, Century National, Nationwide, and CSAA also are some of the best San Francisco, CA car insurance companies.
As shown above, if you are insured with USAA and switched to Wawanesa, you could earn savings of upwards of $9. California drivers with Century National might save as much as $44 a year, and Nationwide customers might realize rate reductions of up to $80 a year.
To discover how much you can save, click here to start a quote or quote prices from the following companies.
Understand that those estimates are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for government employees. So the car insurance company that fits your situation best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
For state and federal workers, one of the more important considerations that are looked at to help calculate car insurance rates is where you keep your car. Cities with larger populations will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The illustration below shows the most expensive areas in California for government employees in which to buy car insurance. San Francisco ranks #5 with a yearly premium of $1,693 for the average policy, which is approximately $141 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,644 |
| 7 | Fontana | $1,581 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,541 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Garden Grove | $1,524 |
| 15 | Fresno | $1,517 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,430 |
| 18 | Bakersfield | $1,394 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,374 |
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Prices are approximated as the vehicle garaging location can revise insurance rates substantially.
How violations and accidents impact rates
The easiest way to get the best auto insurance rates in San Francisco for state and federal workers is to drive safely and not have accidents or get tickets. The information below shows how violations and fender-benders can affect car insurance costs for different age categories. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $1,909. Receive two speeding tickets and the average cost swells to $2,549, an increase of $640 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for government employees jumps again to an average of $5,114. That’s an increase of $3,206, or $267 per month, just for not driving attentively!
How to get discounts on San Francisco auto insurance rates
Insurance companies that offer quotes for government employees may additionally offer discounts that may potentially lower prices by as much as 40% or more if you meet specific criteria. Companies and their offered discounts can be found below.
- Farm Bureau offers discounts including good student, renewal discount, safe driver, youthful driver, and multi-policy.
- MetLife may include discounts for multi-policy, good student, defensive driver, good driver, claim-free, and accident-free.
- Progressive offers premium reductions for multi-vehicle, multi-policy, online signing, homeowner, continuous coverage, good student, and online quote discount.
- AAA has discounts for multi-policy, good driver, anti-theft, education and occupation, and AAA membership discount.
- American Family offers discounts for bundled insurance, mySafetyValet, TimeAway discount, good driver, early bird, and air bags.
- GEICO has savings for military active duty, federal employee, air bags, anti-theft, multi-policy, and seat belt use.
- State Farm policyholders can earn discounts including Drive Safe & Save, safe vehicle, student away at school, good driver, good student, driver’s education, and passive restraint.
The information below visualizes the comparison of yearly insurance costs with and without discounts applied. The rate quotes are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, multiple policy, multiple vehicle, passive restraint, anti-theft, and defensive driving course discounts applied. With discounts applied, the average savings per year on auto insurance for government employees is 28% or $738.
The diagram below illustrates how your deductible choice can affect insurance premiums when getting quotes for cheap insurance for government employees. The prices are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could save $476 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $712 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can save as much as $1,008 or more just by choosing higher deductibles when buying full coverage. When raising deductibles, it is a good idea to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.