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Cheap Car Insurance in San Francisco, California

Want to learn more about San Francisco and how you can acquire cheap car insurance? Well, San Francisco is a coastal city located in Northern California. Founded in 1776 as a mission, San Francisco is one of the oldest cities in California. Mild weather and an abundance of tourist attractions draw people from around the world to the city every year.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in San Francisco. Get your free customized auto insurance quote today!

Driving Conditions in San Francisco

Heavy traffic is typical in all major metropolitan areas in California. Unique situations in San Francisco include Lombard Street. Known as the crookedest street in the world, the sharp turns on Lombard Street can cause stress for motorists. Driving across the Golden Gate Bridge is also a nerve-racking experience because of traffic congestion that is caused by a combination of commuters trying to get across the bridge and tourists visiting the famous site.

Unique Laws in San Francisco

Drivers in San Francisco are often irked by laws related to making a left turn along 19th Street. Many drivers who are unfamiliar with the city have had to make a right turn and backtrack because left turns are prohibited in most intersections along the street.

In San Francisco, it’s against the law to wipe a car with used underwear at a carwash. Also, the city’s housing code prohibits storing your own belongings, except cars, in public and private garages. The fine for violating that code is up to $500.

San Francisco Crime Statistics

Information related to auto thefts and property crime in cities across the country has been provided by the FBI. Crash statistics and drunk driving statistics are available from the California Office of Transportation.

  • Auto Thefts: There were 4,174 auto thefts in San Francisco in 2011. This means that there were 5.1 auto thefts per 1,000 residents.
  • Property Crime: There were 32,886 property crimes in San Francisco in 2011. This means that there were 40.4 property crimes per 1,000 residents.
  • Drunk Driving: There were 323 DUI-related deaths and injuries in San Francisco in 2010.
  • Crash Statistics: There were 3,945 total vehicle crashes that resulted in a death or injury in San Francisco in 2010.

In 2015, according to the FBI, 6,915 vehicles were reported stolen in San Francisco. Also, 53,019 property crimes were reported that year.

San Francisco Vehicle and Driving Safety Requirements

Seat Belt Law

Children under age 2 must ride facing the rear of a vehicle in an appropriate child passenger safety seat, according to the California Highway Patrol. Children weighing at least 40 pounds or standing at least 40 inches tall are exempt. Children under age 8 must be properly restrained in an appropriate child safety seat in the back seat of a vehicle.

Cellphone Law

Motorists can’t hold a wireless telephone or electronic wireless communication device while driving a vehicle, the California Highway Patrol says; however, hands-free use is allowed. Instead of a device being held, it must be mounted in the 7-inch square in the lower corner of the windshield farthest removed from the driver or in a 5-inch square in the lower corner of the windshield nearest to the driver. Another option: Attach the device to the dashboard where it does not block the driver’s view of the road and does not hinder airbag deployment.

Helmet Law

Anyone under age 18 must wear a helmet when riding a bicycle on a street, bikeway or public bike path or trail. Helmet use also is mandated for anyone under 18 who’s riding a scooter or skateboard, or using inline skates.

Impaired Driving Law

For drivers over age 21, the blood alcohol limit for DUI is 0.08 percent. A first-time DUI conviction can lead to a $1,000 fine, plus more than $2,600 in penalty assessments; a six-months jail sentence; a six-month license suspension; a 30-day vehicle impoundment; and installation of an interlock breath device in the driver’s vehicle.

Under California law, authorities have “zero tolerance” for anyone under 21 who’s been caught driving under the influence. The state Department of Motor Vehicles automatically suspends or revokes the driving privileges of a driver under 21 who was busted for DUI (alcohol or a combination of alcohol and drugs) who had a blood alcohol level of at least 0.01 percent or refused to take a blood alcohol screening or test.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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