Cheap Car Insurance in San Francisco, California

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.

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.

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.

San Francisco Vehicle and Driving Safety Requirements

No one in the state of California is permitted to use a cell phone without a headset while operating a motor vehicle. Texting is banned completely, and bus drivers and people under the age of 18 are not allowed to use a cell phone with or without a headset.

Seat belts are a requirement for both drivers and passengers. Children who are under 57 inches in height must use an appropriate child restraint for their height and weight. All children under the age of eight must be in a booster seat or car seat.

Impaired Driving Laws in San Francisco

Driving under the influence in California is defined as driving with a blood alcohol content (BAC) level over .08. According to the California Department of Motor Vehicles, commercial drivers are subject to a much stricter limit of .04. California law also states that people who are addicted to drugs may not drive at all.

A first-time offender will face penalties including a license suspension lasting four months. Anyone who has another offense within 10 years of the first offense will have their license suspended for one year.

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  • Barbary Insurance Brokerage


    Jerry Becerra
    Barbary insurance brokerage is an independent insurance broker in san francisco. It is also a place to come for information about coverage, insurance companies, and the always-changing climate for insurance buyers.

    230 California St #700
    San Francisco, CA 94111
    (415) 788-4700
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    Stay away,employee joanne taylor is rude and abrasive...

  • Sweet And Baker Insurance Brokers, Inc.


    Bruce Callander
    Sweet & baker is a full service san francisco based insurance broker offering the sale and service of personal insurance, life and health insurance and commercial insurance products including employee benefits, technology and workers compensation insurance throughout the greater bay area and silicon valley in california. We were established in 1951 by donald sweet and bruce baker, both native san franciscans.

    What makes your specific agency stand out from your competition?
    As your insurance representative, it is imperative that we are actively involved in industry trends, changes and issues. Sweet & baker uses this information to meet the needs of individuals and businesses. We understand that insurance is an investment in asset protection. An insurance policy is designed to protect assets from a significant loss or liability suit, which would otherwise cause a substantial financial loss, emotional distress and economic ruin. Some of our clients desire full insurance protection with very little exposure. We work with those clients to find comprehensive coverage at competitive rates. Others are willing to assume the risk of reasonably affordable claims in exchange for lower premiums. For these clients, sweet & baker obtains coverage with higher deductibles, protecting them from catastrophic losses while keeping premiums at a minimum.

    • Multi-policy Discounts

      Financial Services

      Insurance For Non-profiits

      Real Estate Insurance

      Insurance For Resorts, Hotels & Hospitality

      Insurance For Education

      Insurance For Startups

      Technology Insurance

      Winery Insurance

      High Valued Home Insurance

    • Insurance

    • 0B60897

    44 2nd St
    San francisco, CA 94105
    (415) 512-2100
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  • United General Insurance Agency


    Rita Gilbert
    Auto insurance

    3150 California St
    San Francisco, CA 94115
    (415) 922-7283
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  • Alan Chan


    1700 California St Ste 210
    San Francisco, CA 94109
    (415) 776-2190
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    Geico who? I actually save money staying with Alan & his team than
    switching to the competition. If you don't believe me, go price it out

    Caroline has been very helpful and when you call in, there is a live person
    on the other end that takes the call. No automated system here!

    After nearly 30 years with Alan and, before Alan's time, his father, it's
    time to write a note in praise of an outstanding insurance agent. Any time I
    have needed anything related to my insurance (I have both home and auto),
    Alan and his staff have been right on it with excellent, speedy,
    professional attention.. There may be someone, somewhere, who is as good,
    but there is no one better. Highly recommended.

  • Cal Insurance & Associates


    2311 Taraval St
    San Francisco, CA 94116
    (415) 661-6500
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    I recently bought a car and a friend recommended I go to these guys for my insurance. When I called them, the receptionist transferred me right away to an agent, who answered all my annoying questions. They shopped around for me and found a rate I am happy with. I now pay what I would have paid if I got insurance online--plus, I get to talk to an agent whenever I have any questions and he returns my calls right away. Imagine that!

  • Daniel Sui Insurance Agency


    338 Balboa St
    San Francisco, CA 94118
    (415) 752-3157
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    Cares about the customer beyond the call of duty - in my case over15 years. If doing business in a professional way is important to you then this is the Insurance Company to pick. One of the things I miss about leaving the State is being able to use Dan's Agency.

  • Dawn Prince


    655 14th St
    San Francisco, CA 94114
    (415) 552-6200
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    I recently relocated to San Francisco and was referred to the Dawn Prince agency. I found the staff there to be extremely personable and professional. They assisted with my business needs in a timely manner and offered information about a variety of other resources in the area. They were very helpful and I would recommend them to anyone new to the Bay area.

  • Ferrer Insurance Services


    5 3rd St Ste 1025
    San Francisco, CA 94103
    (415) 856-0709
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    The service is usually over and above beyond the call of duty. They are always ready, willing and able to help. Telephone calls are promptly returned and the quality of work is just ""super"" In addidtion, they are so knowledgeable and is truly very competent.

    The price is very competitive. I checked with other carriers and while their rates are slightly lower,
    the benefits are not the same. This company took the time to explain why there was a difference in the rates. First of all, the limits of coverages are usually different and there are no hidden charges. The office took care of my insurance needs in a timely manner. I was pleased with their services that I recommended this office to all my friends.

    These people will always try and sell you the highest policy and it is usually horrible. Go to a better company because they are not worthy of anyone's business.

  • Gamboa & Morton Insurance Agency


    3372 22nd St
    San Francisco, CA 94110
    (415) 282-5888
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    John and his teams works fast when others didnt work at all.

  • Jill Chan


    2665 Ocean Ave Ste C
    San Francisco, CA 94132
    (415) 333-4500
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    Jill Chan is part owner of a shopping center in Bay Point CA and like alot of owners of comercial property in Bay Point she lives far away from this property and is just there to collect the rent. The shopping center in Bay Point Shore Acres shopping center is in teribble condition but I guess it doesn matter because the owners don't need to live around it the only thing their interested in is collecting the rent and running the community into the ground. Based on this way of doing business would you really want to trust her with your insurance needs I wouldn't!

  • Mary Spellman


    2408 24th St
    San Francisco, CA 94110
    (415) 401-7000
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    Mary is a smart, hardworking, and most important educated in the field of insurance. I highly recommend Mary Zell Spellman and her team for your insurance needs.

    Mary and her team are so sweet, caring, and professional. I've been dealing
    with a motorcycle injury case (got rear-ended) and Mary has been so so
    helpful. I'm not making this up - she actually cares what happens to those
    that she insures! She was very concerned about my injury and is doing
    everything she can to help. Whenever I get any confusing information from my
    health insurance or the other party's insurance, she has been super helpful
    and replies quickly to all my confused emails. Definitely would

  • Sandy Lee


    188 S Park St Apt 4
    San Francisco, CA 94107
    (415) 227-9833
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    When a friend referred me to Sandy, I asked for a quote and in record time she had given me not only a lower rate with more coverage but also offered to insure other parts of my life. Switching to Sandy at State Farm saved me $420 a year from Allstate! Sorry Allstate, but I have a new GOOD and RELIABLE neighbor that looks out for me!

    The thing about Sandy is she actually cares about her clients and wants to help save money so we can save for other things like our kid's college fund!

    She's always accessible day or night and does not sleep! I think she lives to provide quotes and policies for her friends and family. Once you meet her, you won't be sorry you chose her for your insurance agent!

    I trust her and you can too!

  • Traci Hollander


    556 Castro St
    San Francisco, CA 94114
    (415) 575-3775
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    I just wanted to take a moment to write today to let you know that I sincerely appreciate and thank both your team and the corporate team at State Farm for their superb service over the last month.

    As you know, I recently had an auto accident which was very unexpected and was no fault of my own. From the claims intake to the corporate assistance, I was very pleased with the 100% perfect response I received. I was astonished at how quickly the process went. What could have been a tortuous process turned into a very seamless and easy process. From your office to the call center at Team #4, everyone was completely aware of the situation and there was never any confusion, wait times, lag or misinformation.

    I am a complete believer in State Farm and wanted to thank you.

    Best regards,
    ELI B. , CEO

    Despues de estar con diferentes companias, pagando mas de lo que supuestamente teniamos que ahorar, decidi buscar otra aseguransa y fue asi como tubimos el placer de conocer a la Sr, Mercedes Jones Mil gracias por ofrecernos un servicio de calidad y por tener la paciensia de explicarnos la cobertura con detalle. Su profesionalismo y atencion hicieron la experiencia mas facil y agradable. Muchisimas gracias por su ayuda y por hablarnos en nuestro idioma. Nos aseguraremos en recomendarla con nuestro amigos y familia. Esperamos que podamos tenerla como nuestro agente de aseguransa por mucho tiempo. Gracias por hacer esta experiencia facil y placentera.

  • Aaa - Jasmine Fu
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Did you know ?

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

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

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

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