🚗 Car insurance cost in San Francisco, CA (2026)
Estimated average: $3,019 per year — +40% vs. the U.S. average of $2,150.
$3,019
Est. car insurance in San Francisco
per year
$2,795
California average
$2,150
U.S. average
808,988
Population
Estimate your car insurance in San Francisco
San Francisco car insurance estimator
Estimated$5,283/year
Starts from the San Francisco estimate. Get quotes to confirm your price.
San Francisco car insurance FAQ
How much is car insurance in San Francisco, CA?
The estimated average is $3,019 per year — above the state average (+8% vs. the California average of $2,795, and +40% vs. the U.S. average).
Is car insurance more expensive in San Francisco than elsewhere in California?
San Francisco has about 808,988 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in San Francisco?
Compare at least three quotes from insurers active in San Francisco, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.