Auto Insurance in San Francisco (94116)
California · Below Average · 33th percentile statewide
Carrier Rates in 94116
6-month premiums from SERFF rate filings. Standard driver profile.
How 94116 Compares
San Francisco (94116) is below average for auto insurance in California, ranking in the 33th percentile.
The cheapest carrier is USAA at $531/6mo — 69% less than the most expensive (Allstate at $1,686).
The median premium of $871 is 5% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Francisco (94116)?
The median 6-month premium in San Francisco (94116) is $871 across 9 carriers. Premiums range from $531 to $1,686, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94116?
USAA offers the lowest rate in 94116 at $531/6mo. That's 69% less than the most expensive option (Allstate at $1,686/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 94116?
Auto insurance rates in San Francisco (94116) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Francisco ranks in the 33th 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
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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.