Who Has Cheap San Francisco Car Insurance for Veterans?

The vehicle model you are trying to insure is one of the biggest factors that determines whether or not you find economical insurance for veterans. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The information below presents coverage costs for a selection of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Francisco, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Odyssey LX $1,484
Toyota Prius $1,495
Ford Escape XLT 2WD $1,545
Ford Explorer Limited 4WD $1,629
Chevrolet Malibu LT $1,637
Ford F-150 Lariat Crew Cab 2WD $1,629
Honda Civic LX-S 4-Dr Sedan $1,650
Honda CR-V EX 2WD $1,656
Hyundai Elantra SE 4-Dr Sedan $1,679
GMC Sierra SL Crew Cab 4WD $1,711
Chevrolet Equinox LTZ 2WD $1,718
Dodge Grand Caravan SE $1,735
Ford Focus S 4-Dr Sedan $1,795
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in San Francisco, CA location which can increase or decrease premiums considerably.

Based on these rates, we can tell that models like the Honda Odyssey, Toyota Prius, and Ford Escape are likely to be the most budget-friendly vehicles to insure for veterans.

One of the more important factors that are looked at to help calculate the price you pay for insurance is where you choose to live. Areas with more people or more claims tend to pay slightly more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The illustration below rates the most expensive places in California for veterans to buy car insurance in. San Francisco makes the list at #5 with an annual cost of $1,711 for the average policyholder, which is approximately $143 monthly.

How much does auto insurance cost in San Francisco?
Rank City Average Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 Oakland $1,738
4 Sacramento $1,720
5 San Francisco $1,711
6 San Bernardino $1,628
7 Long Beach $1,578
8 Garden Grove $1,570
9 Stockton $1,556
10 Moreno Valley $1,551
11 Santa Clarita $1,548
12 Modesto $1,532
13 Fontana $1,519
14 Fresno $1,502
15 Santa Ana $1,497
16 Riverside $1,497
17 San Jose $1,437
18 Anaheim $1,430
19 Bakersfield $1,394
20 Huntington Beach $1,374
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Rates are estimated as the specific geographic location can revise price quotes considerably.

Figuring out which company offers the most affordable auto insurance rates for veterans calls for a tad more effort in order to find a policy that fits your budget.

Each auto insurance company uses their own method for establishing rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in San Francisco. It’s important that you understand California auto insurance rates are impacted by many things that may substantially change the policy price. Getting older, buying a home instead of renting, or getting caught speeding may prompt premium changes that can cause some rates to be much cheaper than others.

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Wawanesa has some of the cheapest car insurance rates in San Francisco at around $1,146 each year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also are some of the cheaper San Francisco, CA car insurance companies.

As depicted above, if you are a policyholder with USAA and switched to Wawanesa, you may see annual savings of roughly $9. Drivers with Century National might save as much as $32 a year, and CSAA insureds might lower prices by up to $52 a year.

To compare your rates to other California insurance companies, click here to start your free quote or quote rates from the companies below.

It’s important to note that these premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for veterans. So the company that can offer you the best price may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own personal information and vehicle type.

The information below illustrates how your deductible choice can change insurance premiums when searching for cheap insurance for veterans. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

A 30-year-old driver could reduce rates by $560 a year by changing from a $100 deductible to a $500 deductible, or save $842 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates as much as $1,246 or more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be important to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Ending up with a good quality insurer can be rather challenging considering how many companies provide coverage in San Francisco. The company ratings shown next may help you select which auto insurance companies you want to consider when comparing rate quotes. These rankings are only made up of the largest companies in the United States, so smaller companies are not factored into these rankings.

Top Auto Insurance Companies for Veterans 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

Get discounts on San Francisco auto insurance

Discounts on auto insurance for veteransInsurance providers that sell policies for veterans could also offer special discounts that may potentially lower prices by as much as 40% or more if you are eligible. Companies and a selection of discounts can be found below.

The diagram below compares insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, accident-free, passive restraint, marriage, anti-theft, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for veterans is 28% or $735.

If you like to have a consultation when buying car insurance for veterans, the agents below are a good start to aid you in deciding which insurance coverage will be best for you.

To find an agent close to you, click the button following the list.

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How to find cheaper car insurance for veterans

The list below details a few money-saving solutions that can help drivers get cheaper coverage.

The last tip is especially vital, as was affirmed in the prior article. Car insurance prices can change in a short period of time, so don’t hesitate to switch to a new company if you find a better deal.

Staying with the same company for years is fine, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for veterans in San Francisco.