How Much is San Francisco Auto Insurance for Drivers with a DUI?

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.

How much does auto insurance cost in San Francisco?
Rank City Annual Rate
1 Los Angeles $2,104
2 Glendale $2,058
3 San Francisco $1,745
4 Sacramento $1,703
5 Oakland $1,687
6 Long Beach $1,610
7 Santa Clarita $1,595
8 Fontana $1,581
9 San Bernardino $1,580
10 Stockton $1,556
11 Garden Grove $1,554
12 Moreno Valley $1,536
13 Modesto $1,532
14 Riverside $1,482
15 Fresno $1,457
16 Anaheim $1,444
17 Santa Ana $1,439
18 San Jose $1,381
19 Irvine $1,371
20 Huntington Beach $1,360
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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.

Cheapest Vehicles to Insure in San Francisco, CA
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
Toyota Prius $2,333
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

  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

Types of discounts on San Francisco insurance rates

Save on auto insurance after getting a DUI in San FranciscoCar 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.

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.

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