Car Insurance in San Francisco

Car Insurance Quotes for San Francisco Drivers

Having the right car insurance in San Francisco is a must. Its steep hills, one-way streets, scarce (and costly) parking, assertive bikers and lots of distracted tourists in cars and on foot make it one of the trickiest cities to drive in. While some San Francisco residents can get around parts of this compact city without a vehicle, most people in the Bay Area need a car and a car insurance policy to go with it.

Count on GEICO to provide you with personalized San Francisco car insurance coverage so you'll have confidence you're protected in the event of an accident. We also have local insurance agents and competitive auto insurance rates that can include added features like the award-winning GEICO Mobile app, 24/7 emergency roadside assistance, and a variety of car insurance discounts. It's easy to get a San Francisco car insurance quote with GEICO, so start your free quote online today.

California Car Insurance Coverage Requirements

Drivers across San Francisco and the entire Bay Area need to make sure they have a car insurance policy that meets the minimum coverage requirements for the state of California. California's minimum auto insurance coverages include:

  • Bodily Injury Liability: $15,000 per person/ $30,000 per accident
  • Property Damage Liability: $5,000 per accident
  • Uninsured Motorist Bodily Injury*: $15,000 per person/ $30,000 per accident
  • Uninsured Motorist Property Damage*: $3,500 per accident

While these are the minimum car insurance coverage requirements for San Francisco and the state of California, many drivers may want to have additional coverage for their vehicles.

San Francisco Destinations

In San Francisco, you'll find well-known attractions such as Fisherman's Wharf, Alcatraz, and Golden Gate Park. You can also explore lesser-known corners of the city to discover outstanding restaurants, galleries, and shopping. San Francisco and the Bay Area offers many enjoyable experiences for tourists and residents alike.

Bay Area Freeways

Numerous freeways serve the Bay Area, including U.S. Highway 101, which spans the Golden Gate Bridge north of the city into Marin County and travels south through San Jose. Interstate Highway 80 crosses the Bay Bridge east into Oakland and onward to Sacramento. There are several "offshoots" of Highway 80 that cover different parts of the Bay Area. Interstate 280 runs south from the city, parallel to and west of 101. Interstates 880 and 680 travel north-south along the east side of the San Francisco Bay.

Driving around San Francisco

Downtown San Francisco streets are arranged in a grid pattern. Market Street, the main downtown thoroughfare, cuts through the grid in a diagonal direction. It is illegal to make a left turn at most Market Street intersections. The streets of San Francisco are numbered by the hundreds per block, but if you don't have a GPS, it is important to know the cross street when searching for an address. San Francisco also has numbered streets and numbered avenues in different areas of the city.

If you prefer not to drive in San Francisco, there are good public transportation options. The Muni (short for San Francisco Municipal Transportation Agency) is a system of streetcars, buses, and the famous San Francisco cable cars that can take you to downtown attractions and outlying neighborhoods. The BART (Bay Area Rapid Transit) connects San Francisco with East Bay cities such as Berkeley, Oakland, and Walnut Creek. The BART also serves both the San Francisco (SFO) and Oakland (OAK) airports.

San Francisco Insurance Agents

For San Francisco drivers, getting a car insurance policy with GEICO means you have access to experienced local insurance agents who are standing by to answer questions about your policy. We have insurance agents across the Bay Area who know their local communities and are eager to help. Learn more about our San Francisco insurance agents.

More about California Car Insurance

Need to find out more about state required coverage levels or teen driving laws in California? Visit our California car insurance page for more information to help you make an informed decision about your auto insurance.

*Uninsured Motorist coverages can be waived.

  1. As defined by CIC § 1861.025
  2. As defined by California Code of Regulations Title 10 § 2632.13
  3. California Vehicle Code, per CIC § 1861.025