Who Has the Cheapest San Francisco Auto Insurance for a Company Car?

Establishing which companies quote the cheapest insurance rates for a company car takes a bit more effort than just getting one or two price quotes.

Every car insurance company uses their own method for setting rates, so to begin we’ll rank the most competitive insurance companies in San Francisco.

Best Cheap Insurance Rates in California

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Century National $1,178
3 Wawanesa $1,192
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,447
8 Mercury $1,503
9 Allstate $1,513
10 Allied $1,541
11 Progressive $1,542
12 GEICO $1,575
13 The Hartford $1,575
14 MetLife $1,590
15 State Farm $1,733
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $1,946
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USAA normally has some of the best car insurance rates in San Francisco at around $1,121 annually. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the more affordable San Francisco, CA auto insurance companies.

As the example above demonstrates, if you have coverage with CSAA and switched to USAA, you could realize savings of approximately $101. Insureds with Nationwide could save as much as $142 a year, and 21st Century customers might reduce rates by $258 a year.

To find out how much you can save, click here to start a quote or visit any of the companies below.

These premiums are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact location for a company car. So the auto insurance company that is best for you may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own individual information.

The vehicle you are seeking coverage for is probably the most important factor that determines whether or not you can buy cheap coverage for a company car. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The information below showcases insurance prices for a selection of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in San Francisco, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,576
Ford F-150 XLT Crew Cab 2WD $1,624
Honda CR-V EX 2WD $1,643
Toyota Tacoma Double Cab 4WD $1,717
Toyota RAV4 Limited 4WD $1,722
Dodge Grand Caravan Hero $1,717
Jeep Wrangler Sport 4WD 2-Dr $1,724
Chevrolet Malibu Hybrid $1,717
Toyota Prius $1,768
Ford Edge Sport 2WD $1,812
Toyota Corolla XLE $1,820
Ford Fusion Sport 4-Dr Sedan $1,844
Dodge Ram Quad Cab SLT 2WD $1,874
Chevrolet Impala LT $1,883
GMC Sierra SLE Regular Cab 2WD $1,890
Chevrolet Equinox LT AWD $1,883
Ford Explorer Limited 2WD $1,921
Ford Focus SES 2-Dr Coupe $1,937
Jeep Grand Cherokee Laredo 4WD $1,940
Dodge Ram 2500 Crew Cab ST 2WD $1,969
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in San Francisco, CA location which can influence price quotes noticeably.

Looking at the rates, makes and models like the Ford Escape, Ford F-150, Honda CR-V, Toyota Tacoma, and Toyota RAV4 are most likely to be the most affordable vehicles to insure for your employer’s vehicle.

Discounts on San Francisco insurance

Cheaper San Francisco, CA insurance for your employer's vehicleInsurance providers that offer coverage for a company car may also offer rate discounts that may potentially lower prices by 25% or more if you can meet the requirements. Companies and a summarized list of policyholder discounts are outlined below.

The diagram below shows the comparison of car insurance costs with and without policy discounts. The data is based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, claim-free, anti-theft, accident-free, multiple vehicle, and homeowner discounts applied. When discounts are applied, theaverage amount saved on insurance for a company car is 28% or $516.

The chart below illustrates how your choice of deductibles can increase or decrease annual premium costs when researching cheap insurance for a company car. The rate quotes are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could save $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Even younger drivers, like the 20-year-old example, can save $1,190 each year by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of discretionary funds to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find more affordable auto insurance for a company car

The list below summarizes some of the recommended money-saving solutions that can help you get more affordable car insurance.

The final tip is very vital, as we noted in the prior information. Prices charged by companies can change significantly in a year, so don’t be afraid to change insurance companies if a better rate can be found.

Brand loyalty is great, but it’s not recommended if that stubbornness costs you a lot of money. Take a few minutes and compare prices and find cheaper auto insurance for a company car in San Francisco.

The agents below can help you decide which auto insurance policy fits you best, since lots of drivers aren’t clear which coverage they need and would like to have some advice when comparing insurance rates for your employer’s vehicle. It can be time-consuming to find the cheapest rate yourself, and getting advice from a licensed California insurance agent can give comfort knowing you have adequate protection in case of an accident or claim.

To find a San Francisco insurance agency close to you, click the button at the bottom or click here to compare prices now.

Riskguard Insurance Solutions
422 Presidio AveSan Francisco, CA 94115(415) 447-4212

Kajal Pashmi – State Farm Insurance Agent
3138 Geary BlvdSan Francisco, CA 94118(415) 742-4459

Rebekah Shapiro – State Farm Insurance Agent
1736 Stockton St #9San Francisco, CA 94133(415) 525-3344

Jerry Verdi – State Farm Insurance Agent
408 Columbus Ave #2San Francisco, CA 94133(415) 788-7881

Find a San Francisco, CA insurance agent near you