With narrow roads, one-way streets and steep hills, driving in San Francisco comes with unique challenges that can be tricky no matter how long you’ve been driving there.

The best way to protect yourself from car accidents and damage from break-ins is to invest in a full coverage car insurance policy. To show you how different factors — like your age, vehicle and driving record — affect your car insurance rate we’ve compiled real quotes from Jerry customers in San Francisco.

Cheapest minimum coverage insurance in San Francisco

California drivers must carry the following coverage, per state law:

• $30,000 per person for bodily injury liability.
• $60,000 for bodily injury of all persons (meaning per accident).
• $15,000 for property damage liability per accident.

Here are some of the cheapest quotes for state minimum coverage that drivers in San Francisco received through Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in San Francisco

Some risks that may be unique to the Bay Area, such as earthquakes and auto theft, are usually not covered by state minimum insurance. Comprehensive coverage provides protection against damage caused by non-collision events such as weather-related incidents, animal interference and theft.

Full coverage also includes collision coverage, which pays for repairs to your vehicle after an accident, regardless of who is at fault.

Cheapest car insurance for young drivers in San Francisco (18-29 years old)

Young drivers often pay more for car insurance than older drivers, but that doesn’t mean they can’t get affordable rates. Here are cheap car insurance quotes that young Jerry customers in San Francisco have received.

Cheapest car insurance for mature drivers in San Francisco (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Here are the cheapest San Francisco car insurance quotes real Jerry customers age 55 and older received.

Cheapest car insurance for drivers with a clean record in San Francisco

Here are the cheapest quotes San Francisco drivers who maintain a spotless driving record received via Jerry.

Cheapest car insurance for drivers with a low credit score in San Francisco

Here are the cheapest car insurance rates that San Francisco drivers with a credit score below 550 received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in San Francisco

Cheapest car insurance for drivers with a speeding ticket in San Francisco

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a content strategist with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.