South San Francisco, CA Car Insurance

What rates should residents of South San Francisco expect to pay for their car insurance? Compared to their surrounding area, how do rates in South San Francisco stack up? What about against the rest of California? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in South San Francisco?

According to the chart above, the average cost of auto insurance in California is about $4 a month more expensive than it is in South San Francisco.

When stacked up against the national average, the average monthly policy payment for South San Francisco is more affordable. You can expect to pay about $29 below the national average for auto insurance in South San Francisco.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down average rates for South San Francisco to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in South San Francisco.

Average Car Insurance Rates by Gender

Despite the national trend of women paying less than men for car insurance coverage, in South San Francisco men actually pay $51 per month for coverage while women pay $55.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In South San Francisco, drivers with one accident on their record will experience rates around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $61 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In South San Francisco, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $50 per month for auto insurance.

Cars, trucks, and vans on the other hand, cost about the same to insure, around $53 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in South San Francisco are vehicles less than or equal to one-year-old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in South San Francisco, with married couples paying about $7 less per month.

Average Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in South San Francisco. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in South San Francisco, CA

Recent trends in car insurance for South San Francisco drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance coverage in South San Francisco had been decreasing from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $51 a month

How does South San Francisco compare to neighboring areas?

Why are car insurance rates in South San Francisco different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around where you live. These factors include things like:

• Regional regulations
• Total number of drivers in the area
• Road Safety (total number of local car accidents)
• Local crime rates
• Off-street parking access

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in South San Francisco?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in South San Francisco.

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South San Francisco Insurance FAQs

What factors affect car insurance quotes in South San Francisco?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in South San Francisco different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in South San Francisco?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to South San Francisco?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to South San Francisco or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.