The words “low-priced” and “auto insurance” really should not be used together, specifically when looking for the cheapest auto insurance for drivers with a DUI. Because it’s so expensive, let’s learn about some things that can significantly affect auto insurance prices, and find a few ways to shave a little off the next policy you buy.
One of the many things that aid in calculating auto insurance rates is where you live. More densely populated places tend to pay more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The illustration below ranks the priciest cities in California for drivers with a DUI to purchase a policy in. San Francisco is ranked #3 with the annual price of $1,745 for the average policy, which is about $145 per month.
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Rates are approximated as the specific San Francisco residence address can modify price quotes greatly.
The car, truck, or SUV you are trying to insure is a large factor that determines the availability of the cheapest insurance for drivers with a DUI. Vehicles with economical engines, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than high performance models.
The list below features coverage costs for a selection of the most economical automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,965|
|Ford Escape XLT 4WD||$2,007|
|Hyundai Elantra GLS Touring Station Wagon||$2,097|
|Honda CR-V LX 4WD||$2,103|
|Ford Explorer XLT AWD||$2,198|
|Toyota RAV4 Limited 4WD||$2,328|
|Honda Odyssey LX||$2,357|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,410|
|Chevrolet Impala LS||$2,436|
|Toyota Camry SE||$2,460|
|Jeep Grand Cherokee Laredo 2WD||$2,484|
|Chevrolet Malibu Hybrid||$2,489|
|Dodge Grand Caravan Hero||$2,484|
|Ford Edge SEL 2WD||$2,491|
|Volkswagen Jetta 2.0T Station Wagon||$2,510|
|Ford F-150 Lariat King Ranch 4WD||$2,547|
|Ford Focus SES 4-Dr Sedan||$2,576|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$2,592|
|Dodge Ram Quad Cab ST 2WD||$2,601|
|Toyota Corolla S||$2,624|
|Kia Optima EX||$2,666|
|Hyundai Sonata Limited 4-Dr Sedan||$2,676|
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Table data represents single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific San Francisco, CA location which can alter rates significantly.
Based upon the rates shown, you can presume that cars like the Honda Accord, Ford Escape, Hyundai Elantra, Honda CR-V, and Ford Explorer are likely to be the cheaper vehicles to insure after getting a DUI. Car insurance rates will be more costly because there is more inherent risk for drivers with a DUI, but generally speaking those specific models will have the lowest insurance rates compared to other types of vehicles.
Selecting a good quality insurer can be rather challenging considering how many companies there are in San Francisco. The company rank data displayed below can help you pick which car insurance companies to look at purchasing from.
The rankings below only include companies who write in the majority of U.S. states, so companies that may only write in California are not factored into this list. To check rates from these companies and more, click here.
Top 10 Large Auto Insurance Providers Overall in San Francisco
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Types of discounts on San Francisco insurance rates
Car insurance companies that provide policies for drivers with a DUI may also offer rate discounts that can reduce rates by 30% or more if you qualify for them. A list of companies and a partial list of their discounts are outlined below.
- State Farm has savings for defensive driving training, accident-free, multiple policy, passive restraint, and anti-theft.
- Farmers Insurance may include discounts for bundle discounts, electronic funds transfer, pay in full, business and professional, distant student, homeowner, and early shopping.
- Progressive offers discounts including online signing, good student, online quote discount, continuous coverage, homeowner, multi-policy, and multi-vehicle.
- GEICO offers premium reductions for anti-theft, multi-policy, defensive driver, daytime running lights, and seat belt use.
- Auto-Owners Insurance has discounts for mature driver, safe driver, air bags, paid in full, group or association, and anti-lock brakes.
- The Hartford discounts include air bag, bundle, vehicle fuel type, anti-theft, good student, and driver training.
- Farm Bureau includes discounts for good student, renewal discount, 55 and retired, youthful driver, and multi-vehicle.
- USAA may have discounts that include multi-vehicle, driver training, annual mileage, defensive driver, family discount, and safe driver.
The chart below illustrates the difference between premium costs with and without discounts. The data is based on a female driver, three speeding tickets and no accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, passive restraint, homeowner, paperless filing, continuous coverage, and multiple policy discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for drivers with a DUI is 28% or $1,131.
Driving violations and accidents
The best way to enjoy the most affordable auto insurance rates after getting a DUI is to drive safely and avoid accidents and traffic citations. The chart below illustrates how traffic citations and fender-benders influence insurance costs for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance per year with no accidents and a clean driving record is $2,396. Add in one speeding ticket and the average cost hikes up to $2,757, an increase of $361 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for drivers with a DUI jumps again to an average of $3,764. That’s an increase of $1,368, or $114 per month, just for not keeping your driving record clean!
The agents below are a good start to help you make a decision which policy fits your needs best, since many people would rather get some professional input when shopping for the best coverage for drivers with a DUI. It can be time-consuming to find the cheapest car insurance policy, and a licensed agent can add peace of mind knowing you have sufficient coverage for your assets.
To locate a San Francisco auto insurance agent by location nearest to you, click the button below the list or click here to compare price quotes now.
- Cliff Young – State Farm Insurance Agent
1636 Irving St a – San Francisco, CA 94122 – (415) 665-5118
- Farmers Insurance – Elbert Taylor
386 29th St – San Francisco, CA 94131 – (415) 285-4800
- Sam and Associates Insurance Agency
2225 Taraval St – San Francisco, CA 94116 – (415) 665-0181
- Primeras Insurance Agency
3339 23rd St – San Francisco, CA 94108 – (415) 829-7312