2026 San Francisco Car Insurance Calculator
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Local insurance tip
Smash-and-grab break-ins are common in San Francisco. Comprehensive covers the broken window, but not the stolen contents, so keep valuables out of sight.
Cost Breakdown ·
| Coverage | Monthly | Description |
|---|---|---|
| State minimum | $82 | Legal bare minimum (liability only) |
| Standard liability | $131 | High Liability, no physical damage |
| Full coverage | $175 | Comprehensive ($500 ded.) |
| Premium protection | $238 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $516 |
| 20-24 | High | $289 |
| 25-54 | Standard | $175 |
| 55-69 | Low | $166 |
| 70+ | Moderate | $219 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $175 |
| Speeding Ticket | Moderate | $214 |
| At-Fault Accident | High | $259 |
| DUI / DWI | Very high | $499 |
San Francisco Snapshot · June 2026
$175/mo
City avg (+7% CA AVG)
#16
State Rank
40%
ZIP Spread
summer outlook
- Wildfire season builds through the dry summer. Fire, smoke, and ash can damage or destroy a vehicle, and comprehensive covers wildfire loss.
Risk factors
Recommended Coverage
Theft coverage
Break-ins and vehicle theft run high around Union Square and Fisherman's Wharf, and comprehensive covers the window damage and a stolen car, though not belongings taken from inside.
Flood coverage
Winter storms bring heavy rain that floods low streets and underpasses around the Marina and Mission Bay, and only comprehensive covers that water damage.
Uninsured motorist
A notable share of California drivers carry no coverage, so a collision on the bridges or US-101 can leave you covering your own costs without it.
Collision
Dense traffic, steep hills around Lombard Street, and tight street parking in the Financial District make low-speed collisions and rollback damage common in the city.
Rate by Nearby Cities (7)
Location Breakdown
Compared to city avg ($175)
Compared to city avg ($175)
Rate by Common Cars (50)
Compared to standard 10-yo sedan ($175)
What Every SF Driver Needs To Know
If my car is broken into in San Francisco, what does insurance actually cover?
Comprehensive covers the damage to the car itself, like a smashed window or a damaged door, and it covers the vehicle if it's stolen outright. What it doesn't cover is the personal belongings taken from inside, such as a laptop or bag, which fall under renters or homeowners insurance instead. Because break-ins here so often target visible valuables, the most effective protection is leaving nothing in view, while comprehensive handles the repair to the car.
Am I getting California's good driver discount in San Francisco?
You should be, if you qualify. State law requires every insurer to offer a discount of at least 20% to drivers who've been licensed three years, have no more than one violation point, haven't been principally at fault in a serious-injury crash, and have no recent DUI. It isn't optional, so confirm with your insurer that it's applied to your policy.
Does where I park in San Francisco change my insurance risk?
It does. Break-ins and theft cluster around vehicles left on the street, which is the norm in a city with little off-street parking, and a garaged car is rated as lower risk. Reporting off-street parking when you have it can reduce the comprehensive portion of your premium, and it sharply lowers the odds of a break-in in the first place.
Does California's at-fault system change what I should carry in San Francisco?
It shapes it. The driver who causes a crash is responsible for the damage, so the other party's liability coverage is meant to pay your costs. When that driver is uninsured or carries only minimum limits, your own uninsured and underinsured motorist coverage fills the gap, which matters given the share of California drivers who go without it.
Sources: California DMV · FEMA · NICB