Car Insurance Quotes San Francisco
Car Insurance Quotes San Francisco
Car insurance in San Francisco can be a significant expense for drivers. The average monthly cost for state-mandated minimum liability car insurance is approximately $64, which is slightly higher than both the national average of $52 and the California average of $53. For more comprehensive coverage, known as full coverage, drivers in San Francisco can expect to pay around $231 per month. This is considerably more than the national average of $175 per month and the California average of $159 per month.
Several insurance companies offer competitive rates in San Francisco. Wawanesa generally offers the cheapest rates for full coverage, with six-month policies averaging around $620. GEICO is another affordable option, with average rates of $728 for a six-month policy. USAA, available to military members and their families, also offers competitive rates, with six-month policies starting at $930. State Farm and Progressive are other popular choices, with six-month premiums averaging $1,117 and $1,033, respectively. comparing quotes from these and other insurers is key to finding the best deal for your specific needs and circumstances.
Driving without insurance in San Francisco carries significant legal and financial consequences. If caught driving without proof of insurance, drivers may face fines ranging from $100 to $200 for a first offence. Subsequent offences within three years can result in fines between $200 and $500. In addition to fines, drivers may have their vehicle impounded and their driver’s license suspended. California’s “no-pay, no-play” law restricts uninsured drivers from recovering non-economic damages, such as pain and suffering, even if the accident was not their fault. These penalties highlight the importance of maintaining continuous insurance coverage to avoid legal repercussions and ensure financial protection in case of an accident.
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How Much Does Car Insurance Cost in San Francisco
The state-mandated minimum liability car insurance in San Francisco will cost you roughly $64 per month, which is somewhat more than the $52 national average and the $53 California average.
You have to pay $231 a month on full auto insurance if you’re thinking about getting more comprehensive coverage in San Francisco. This is roughly $63 higher than the national average of $168 per month and $41 more than the average monthly cost in California, which is $190.
California Car Insurance Coverage Requirements
Drivers in San Francisco need to be sure their car insurance policy meets California’s minimum coverage standards. The following are the minimum car insurance coverages in California:
- Bodily injury liability: $30,000 per person/ $60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured motorist bodily injury*: $30,000 per person/ $60,000 per accident
- Uninsured motorist property damage*: $3,500 per accident
Many drivers may decide to have higher limits of liability and other coverages to protect their cars, even if these are the minimum requirements for auto insurance coverage in San Francisco.
Bundling insurance policies in San Francisco
Despite San Francisco’s known for having a high cost of living, there are still strategies to reduce your car insurance premium. Combining home and auto insurance is one of the easiest ways to save money. You can qualify for a 10% or more discount when you combine your renters’ or homeowners’ insurance with your motor insurance. Make sure to inquire about bundle discounts while looking for prices in order to lower your insurance costs.
Company Avg. 6 Mo. Premium
Wawanesa…………..$620
GEICO………………..$728
USAA………………….$841
State Farm…………..$883
Progressive…………$885
Nationwide…………$899
Allstate……………….$1,306
What Are the Penalties for Driving Without Insurance in San Francisco?
There are severe penalties for driving without auto insurance anywhere in San Francisco. A punishment of roughly $900 may be imposed on drivers who are insured but are not carrying proof of insurance when they are pulled over. You can get that fine reduced to $25 by going to traffic court and showing proof of insurance.
If you drive in California without insurance, you will face more problems than just hefty fines. In the event of an accident, uninsured drivers are not entitled to non-economic damages such as pain and suffering under the state’s “No-pay, No-play” comparative negligence system.
For a first offense, uninsured drivers risk fines and penalties ranging from $100 to $200. If you are found to be without auto insurance, your premiums will increase by roughly 35% once you obtain coverage. Within three years of your first offence, other offences will mean fines of $200 to $500 and other penalties.
Discounts for Car Insurance in San Francisco
It’s good to look for the best affordable car insurance in San Francisco due to the state’s higher-than-average premium prices. You can reduce the cost of your car insurance rates by taking advantage of discounts.
If you’re a good driver, then you’re in luck. A 20% reduction in auto insurance costs is required by California law for good drivers. The following are the requirements for the Good Driver Discount:
- You’ve been a licensed driver for the past three years
- You have no more than one driving point on your record in the last three years
- You haven’t taken traffic school because of traffic violations
- You haven’t had an at-fault accident that caused injury or death
- You don’t have any DUIs or other alcohol-related convictions.
Maintaining a clean driving record, taking advantage of available discounts, and comparing quotes from multiple insurers are essential steps in securing the best rates. For additional information, visit here
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