🏠 Home insurance cost in San Francisco, CA (2026)
Estimated average: $2,360 per year — +3% vs. the U.S. average of $2,300.
$2,360
Est. home insurance in San Francisco
per year
$2,185
California average
$2,300
U.S. average
808,988
Population
Estimate your home insurance in San Francisco
San Francisco home insurance estimator
Estimated$1,487/year
Starts from the San Francisco estimate. Get quotes to confirm your price.
San Francisco home insurance FAQ
How much is home insurance in San Francisco, CA?
The estimated average is $2,360 per year — above the state average (+8% vs. the California average of $2,185, and +3% vs. the U.S. average).
Is home 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 home 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.