Auto Insurance in San Francisco (94112)
California · Expensive · 78th percentile statewide
Carrier Rates in 94112
6-month premiums from SERFF rate filings. Standard driver profile.
How 94112 Compares
San Francisco (94112) is expensive for auto insurance in California, ranking in the 78th percentile.
The cheapest carrier is USAA at $542/6mo — 71% less than the most expensive (Allstate at $1,838).
The median premium of $1,006 is 10% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Francisco (94112)?
The median 6-month premium in San Francisco (94112) is $1,006 across 9 carriers. Premiums range from $542 to $1,838, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94112?
USAA offers the lowest rate in 94112 at $542/6mo. That's 71% less than the most expensive option (Allstate at $1,838/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 94112?
Auto insurance rates in San Francisco (94112) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Francisco ranks in the 78th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 94112?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.