San Francisco, San Francisco County, CA

Auto Insurance in San Francisco, CA

San Francisco drivers deal with steep hills, dense traffic, and high vehicle theft rates. We find you comprehensive coverage that protects your vehicle in the city's challenging conditions.

Serving ZIP codes: 94102, 94103, 94110, 94117, 94122, 94133

(619) 821-4121

San Francisco Auto Insurance Rate Snapshot

Average Rate

$198/mo

Rates Start At

$94/mo

Top Local Risk

Steep hills, dense traffic, and high vehicle theft rates

Rates vary by driver profile, vehicle, and coverage level. Get a free personalized quote.

Driving in San Francisco: What Affects Your Auto Insurance Rate

Local Driving Conditions

San Francisco has one of the highest vehicle theft rates in California — comprehensive coverage is essential for all SF drivers.

Major Roads & Freeways

US-101I-80I-280SR-1Bay Bridge

Available Discounts in San Francisco

Good driver Multi-vehicle Low mileage Anti-theft device Bundle discount

SR-22 in San Francisco

SR-22 available. All driver profiles accepted.

Auto Insurance Coverage Options in San Francisco, CA

California minimum vs. recommended coverage for San Francisco drivers

Coverage Type	CA Minimum	Recommended for San Francisco
Liability Only	30/60/15	250/500/100
Collision	Not required	$500 deductible
Comprehensive	Not required	$250 deductible
Uninsured Motorist	Optional	250/500

Call (619) 821-4121

Why San Francisco Drivers Choose Sewell for Auto Insurance

Same-Day Coverage

Get covered today. We bind auto insurance policies same-day for San Francisco drivers — no waiting.

Personalized Coverage Guidance

We compare available carrier options to help find a competitive rate for your San Francisco address.

SR-22 Specialists

Need an SR-22? We file same-day with multiple carriers. DUI, accidents, or lapse in coverage — we help.

Bilingual Service

English and Spanish-speaking agents ready to help San Francisco drivers find the right auto coverage.

Find Cheap Auto Insurance in San Francisco Today

Rates shown from $94/mo. Request a personalized quote to compare available coverage options for your San Francisco, San Francisco County needs.

Call or Text (619) 821-4121

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More Insurance Coverage in San Francisco

Home Insurance in San Francisco

SF homeowners face earthquake risk, fog-related moisture damage, and high property values. We find the right coverage for your San Francisco home.

Motorcycle Insurance in San Francisco

SF riders navigate steep grades and dense traffic. We offer competitive motorcycle insurance for Bay Area riders.

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Sewell Insurance Agency provides auto insurance, homeowners insurance, and motorcycle insurance in San Francisco and throughout San Francisco County, California. Licensed in CA. Call or text (619) 821-4121 or email sales@insuredbysewell.com for a free auto insurance quote.