car insurance in san francisco

car insurance in san francisco

Car insurance in san francisco

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Car Insurance in San Francisco

Nearly 400,000 cars are registered in San Francisco with all of them needing car insurance. With commuters entering the city during the week, there are typically an additional 35,000 cars and drivers on the streets of San Francisco each day in addition to those that are registered in the city.

San Francisco Requirements for Car Insurance

The city of San Francisco mandates car insurance coverage similar to that mandated by the state of California.

Drivers must have:

  • A minimum of $15,000 in injury liability for one person in an accident
  • A minimum of $30,000 for all injuries in an accident
  • At least $5,000 coverage for all property damage in an accident

In addition, the California Low-Cost Automobile Insurance Program (CLCA) is being piloted in the city of San Francisco, specifically making low-income insurance available to city drivers based on their household income, their historical driving record (violations and accidents), and the value of the vehicle they are driving.

However, it is only available to those individuals who have no other collateral to pay damages, should they be liable in a car accident.

Car Insurance Laws in San Francisco

The laws of California coverage of auto insurance apply to car insurance in San Francisco as well. They state all drivers must be able to illustrate their ability to be “financially responsible for damages or injury to others resulting from the ownership or operation of a motor vehicle.”

There are four ways for drivers to demonstrate that ability:

  • Have proof of car insurance coverage by a motor vehicle or automobile liability policy
  • Pay a cash deposit of $35,000 with the California Department of Motor Vehicles
  • Produce a certificate of self-insurance, which is issued by the Department of Motor Vehicles to owners of fleets of more than 25 vehicles
  • Purchase a surety bond for $35,000 obtained from an insurance company that is licensed to do business in the state of California

All San Francisco drivers must be able to demonstrate that they have covered the minimum limits of auto insurance requirements

They may also show an alternative method of payment that is government approved, which includes any of the four documents above.

Drivers without car insurance face serious penalties for not complying with California car insurance laws.

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San Francisco Auto Insurance Companies

The majority of national car insurance agencies, including Progressive, Geico, State Farm, All State, and Nationwide provide car insurance in San Francisco.

Along with the national brands, there are a few specific California-based companies, including the California State Automobile Association, that insure drivers and automobiles in San Francisco.

Most companies have local agents available to give car insurance quotes, but the majority also have quotes available online, making the necessity of comparison shopping for car insurance easily accomplished.

Average Rates in San Francisco

San Francisco rates are, on average, higher than most other areas of the United States — a fact that makes it even more necessary to get comparison quotes.

The average driver pays $1,493 per year to insure their vehicle, though this rate fluctuates widely depending on the type of vehicle, how often it is driven, the driver’s record of accidents and violations, how many people might drive the car, and even the specific zip code within the city where the car is registered.

San Francisco Driving and Car Insurance Statistics

Of the nearly 800,000 people living in the city of San Francisco, men are slightly more likely to be driving than women, which is in line with the general population. However, men are significantly more likely to be involved in car accidents (80 percent) than women (20 percent).

In addition, San Francisco has a fair number of very old and young drivers:

  • Five percent of San Francisco drivers are under the age of 19
  • 13 percent of drivers are under the age of 25
  • 16 percent of San Francisco drivers are over the age of 65
  • Eight percent of drivers are over the age of 75

While the city of San Francisco does not have a high rate of accidents and fatalities, they are still a concern. According to the Fatality Analysis Reporting System, there were 39 car accidents that resulted in fatalities in San Francisco in 2009.

Accidents are most commonly caused by:

  • Colliding with pedestrians
  • Speeding
  • Leaving the roadway
  • Colliding with motorcycles
  • Alcohol impairment

The other major concern in San Francisco is stolen vehicles or property theft from vehicles. According to the National Insurance Crime Bureau, the most frequently stolen cars in San Francisco are:

  • 1991 Honda Accord
  • 1995 Honda Civic
  • 1989 Toyota Camry
  • 1994 Acura Integra
  • 1994 Nissan Sentra
  • 2003 Toyota Corolla
  • 1999 Chevy Pickup (full-size)
  • 1997 Nissan Altima
  • 1995 Saturn SI
  • 1998 Toyota Pickup (4 x 2)

Yet even with all of these concerns, up to 18 percent of driving residents do not have car insurance. The possibility of theft or an accident, even when they may not be the fault of the driver, necessitate car insurance to be compliant and to make sure that any damage will be covered.

The Need for San Francisco Car Insurance

With any potential threat of theft or accident, making sure to have car insurance is a necessity. In order to verify that you are currently getting or will be getting the best San Francisco rates, it is certainly worth getting quotes from a number of different insurance agencies.

Compare at least five or six agency offerings, and be sure to specify the minimum levels of coverage that are required for San Francisco and California.

Like all insurance, the fees may seem expensive when they come due each month, but insurance is more than worth it after a car is stolen or in an accident .

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What drives up car insurance rates in San Francisco?

Where you live in San Francisco affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Francisco is no exception to the rule. From zip code 94128 to 94124, premiums rise by 19 percent—that’s $295.

Expensive San Francisco Zip Codes: 94139, 94137, 94134, 94102, 94124

Cheap San Francisco Zip Codes: 94128, 94123, 94131, 94114, 94127

Best Car Insurance Rates in San Francisco, CA

Are you a car owner from San Fransisco, looking to take a car insurance policy? If so, you need not worry as all the leading insurance companies are catering to this Californian city. Thus, you are going to find an inexhaustible option and hence, finding the most suitable policy would not be a big deal. Rather, it is more important to gather information on the driving conditions in the city, the average rates for the insurance premium as well the company, offering the most comprehensive policy, within the modest rates. Paragraphs underneath shall reveal the key points in that regard.

Cheapest Car Insurance Companies in San Francisco, California

Century National, GEICO, Nationwide, and Grange are a few of the major names that are catering to this city. Comparison between the average rates on the insurance premium, quoted by these companies, reveals the fact that Century National charging is the modest rates on the Insurance policies of the same value and similar extent of coverage, among all the insurance companies in the city. Century National is charging 1104 USD on an average, which is substantially lower than the state average that stands at USD 1667 per year. GEICO and Nationwide are the other 2 companies, charging the minimum rates for the insurance premium.

Cost of Car Insurance in San Francisco: by Neighborhood

The rates for insurance premium in San Fransisco are likely to vary by a margin of USD 100 or even more, based on the specific Bay Area the car owner is residing. Attributes like the count of car thefts as well as the count of motor accidents in a given area determine the cost of the insurance policy. Thus, 2 car owners from 2 different bay regions pay different rates for insuring the same model of cars from the same brand.

Best Car Insurance in San Francisco

In this regard, the competition is primarily between the companies like GEICO, AMERIPRISE, Military Members, and Metromile. However, the differences in this regard are really competitive as all these companies give good Fight to each other in one term or another. For instance, GEICO is rated the best,if you consider the aspect of convenience in terms of buying and managing the policy. On the other hand, AMERIPRISE has got the record for best claim handling. Metromile policies are perfect for the drivers, who will drive lower than the average rates. Thus, any of these companies, more suiting your insurance needs will be the best insurer in your case.

Auto Insurance Agents in San Francisco

The city has got an extensive network of agents for different leading Insurance companies in the country. You will be surprised to know that the insurer encourages the buyers to deal with the agents, either in person or over the phone, prior to buy the policy online. This is not a bad alternative as you can have some over-the-table session with the experts who can assist you to find the most suitable policy in your case.

Minimum Car Insurance Requirements in San Francisco, CA

  • Coverage for Physical Injuries to the minimum extent of USD 15000 per head or USD 30000 for each accident.
  • Minimum coverage for liability for property damage to the extent of USD 5000.
  • Physical Injury coverage for Uninsured Drivers to the extent of USD 15000 per head and USD 30000 for each accident.
  • Coverage for property damage for Uninsured drivers to the minimum extent of USD 3500.

Fatal Accidents in San Francisco

The rates in that regard vary from one Bay area to another and depending on the count in the concerned area, the rate of the insurance premium is likely to go up. This is a big city, and thus, it is obvious that there will be more chances for such accidents to occur, compared with the smaller cities. As for records, between 2011 and 2015, 160 cases of fatal accidents have been recorded in the city.

Driving Conditions in San Francisco

A report published by the department of Roadways suggests that San Fransico occupy the 3rd position in the list of the Worst traffic cities in the United States. On an average, the commutation lasts for 30 minutes. Between 2012 and 2014, the city has recorded 30 death cases, arising due to motor accidents.

In the majority of the intersections, taking the left turn is prohibited. It is against the law to use the used undergarments as clothes to wipe the Car screens.

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