Auto Insurance Center logo
(844) 777-5466
Enter Your Zip Code to Get
Insurance Offers in Your Area!
Get FREE Insurance Quotes:
  • Save up to $400 on average.
  • After getting instant quotes, there's no commitment to buy.
  • Spend 6 of the most useful minutes of your life with us.
  • Delivering car insurance coverage since 1997.
  • Your information is safe with us!

Best Cheap Auto Insurance in San Francisco 94116

Looking for cheap auto insurance in San Francisco? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As one of the oldest cities in California, San Francisco is known as the crown jewel of the Bay Area.

The region was first inhabited by the Ohlone Native American tribes before Spain came to the area in 1775. Juan Bautiza de Anza traveled from San Diego and established a Spanish presidio and mission.

Spain would inhabit the area until the signing of the Treaty of Guadalupe Hidalgo in 1848, which gave the United States control over the region.

The Gold Rush in 1848 created a large influx of immigrants to the region. Within a year, more than 50,000 people came to the area looking for gold.

The city was incorporated on April 15, 1850. During the latter half of the 1800s, Chinese immigrants traveled to San Francisco to help build the Central Pacific Railroad. San Francisco’s Chinatown quickly grew into the largest Chinese settlement outside of Asia.

San Francisco suffered a severe earthquake on April 18, 1906 that crippled the city and its population. However, the city was able to rebuild quickly and improve the city center.

During the Great Depression, San Francisco saw a growth in its suburbs as well as the building of the Golden Gate and San Francisco Bay Bridges.

San Francisco played a vital role in arms production during World War II, specifically supplying the Pacific theater.

Today, the city maintains its reputation as the cultural center for bohemianism as well as a technology/startup hub.

Top San Francisco attractions include: Golden Gate Bridge, Ferry Building Marketplace, Mission District, Muir Woods National Monument, Alcatraz, Fisherman’s Wharf and Chinatown.

San Francisco Bay Area is home to two professional sports teams: Giants (MLB) and 49ers (NFL). The Giants have had the most recent success, winning the World Series in 2010, 2012 and 2014. Because of its climate, San Francisco offers various outdoor activities including having more than 200 miles of bicycle paths in the city.

Insurance Discounts in San Francisco

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in San Francisco

San Francisco is classified as a warm Mediterranean climate. The annual high temperature is 63.8 degrees and the annual low temperature is 50.8 degrees. The summers are usually dry while the winters are mild and wet. The weather temperature is influenced by cool breezes off of the Pacific Ocean, which makes the city experience cooler temperatures than inland towns across the coast. The city also experiences fog frequently. As for natural disasters, the San Francisco region is prone to earthquakes thanks to its proximity to the San Andreas Fault.

San Francisco has been ranked one of the worst city for motorists. Be sure to check traffic reports and weather before driving in San Francisco.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

  • Company
  • Description
  • Address
  • Contact
Reviews
  • I recently bought a car and a friend recommended I go to these guys for my insurance. When I called them, the receptionist transferred me right away to an agent, who answered all my annoying questions. They shopped around for me and found a rate I am happy with. I now pay what I would have paid if I got insurance online--plus, I get to talk to an agent whenever I have any questions and he returns my calls right away. Imagine that!