Car Insurance in San Francisco
Numbers refreshed
California averages for car insurance in San Francisco, along with how people there drive.
- $141Full coverage, monthly California average.
- 30/60/15.The state's minimum limits.
What San Francisco area drivers pay
Full coverage in California averages $1,690 a year, while the legal minimum averages $760. In a big city, insurance prices are usually higher than the state average because of more traffic, claims and theft.
| Coverage in California | Per year | Per month |
|---|---|---|
| Liability | $760 | $63 |
| Collision | $718 | $60 |
| Comprehensive | $211 | $18 |
| Full coverage (all three) | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
San Francisco driving
| Census figure | San Francisco |
|---|---|
| People | 830,235 |
| Average trip to work | 30 minutes |
| Drive to work alone | 29% |
| Homes with no car | 30% |
| Median household income | $140,970 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate of your own
Using the California calculator, you get pricing for your age, record and car. The state's rules are covered in California car insurance requirements.
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