Auto Insurance in San Francisco (94115)
California · Below Average · 26th percentile statewide
Carrier Rates in 94115
6-month premiums from SERFF rate filings. Standard driver profile.
How 94115 Compares
San Francisco (94115) is below average for auto insurance in California, ranking in the 26th percentile.
The cheapest carrier is USAA at $547/6mo — 69% less than the most expensive (Allstate at $1,768).
The median premium of $853 is 7% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Francisco (94115)?
The median 6-month premium in San Francisco (94115) is $853 across 9 carriers. Premiums range from $547 to $1,768, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94115?
USAA offers the lowest rate in 94115 at $547/6mo. That's 69% less than the most expensive option (Allstate at $1,768/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 94115?
Auto insurance rates in San Francisco (94115) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Francisco ranks in the 26th percentile statewide, meaning it's below average 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 94115?
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.