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Auto Insurance in San Francisco, CA

Local car insurance for San Francisco. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in San Francisco, CA depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
San Francisco, CA
Population ~837,442 · San Francisco County · California statewide average: ~$1,223/yr (NAIC, 2023).

San Francisco ZIP codes

Car Insurance 94101
Car Insurance 94102
Car Insurance 94103
Car Insurance 94104
Car Insurance 94105
Car Insurance 94106
Car Insurance 94107
Car Insurance 94108

FAQ

How much is car insurance in San Francisco, CA?

San Francisco rates depend on your ZIP, coverage and profile; the California statewide average is about $1,223/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in San Francisco?

We list San Francisco ZIP-level pages below; each shows local car insurance details and free quotes.